Health Insurance for HIV Patients

Health insurance for HIV patients covers the medical expenses incurred on the treatment of HIV positive people. It provides coverage for in-patient hospitalization, day care procedures and ambulance charges incurred during the treatment of HIV. All health insurance companies offer medical insurance for HIV patients in India.

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      What is HIV?

      HIV, or Human Immunodeficiency Virus, attacks the immune system of the body, weakening it and making it more vulnerable to other infections and diseases. It spreads through direct contact of bodily fluids with an infected person, most commonly during unprotected sex or sharing used syringes. An HIV infection is incurable and can ultimately lead to AIDS or Acquired Immunodeficiency Syndrome.

      As per reports, India bears the world's third-largest number of HIV-affected individuals. Besides, a person once infected by HIV has to live with the infection for life. Although medicines can reduce the intensity of HIV in the blood, it is a lifelong expense. Having an HIV insurance policy can help HIV positive people to manage their medical expenses without burdening their finances.

      Benefits of Buying Health Insurance for HIV Patients

      Here are some of the key reasons to buy health insurance for HIV positive in India:

      1. High Incidence of HIV in India

        HIV has a high prevalence in India. As per reports, about 2.3 million people in India were living with HIV in 2021. With a frequent string of illnesses and infections, living with HIV can be emotionally and financially wearisome. By buying a health insurance policy for HIV patients, policyholders can stay prepared for any medical expenses resulting from HIV AIDS in future.

      2. Comprehensive Coverage for HIV

        Most HIV health insurance plans provide extensive coverage for medical expenses incurred in treating HIV positive people. Right from hospitalization and surgery costs to ambulance charges, the policy provides coverage for all. Thus, HIV patients can effectively manage the cost of treating the infection without exhausting their savings with the help of a mediclaim insurance policy.

      List of Best Health Insurance for HIV Patients in India

      Take a look at the best health insurance for HIV patients in India:

      HIV Health Insurance Plans Entry Age Sum Insured
      (₹)
      Pre-policy Medical Check-ups Waiting Period
      Aditya Birla Activ One Plan 91 days onwards 2 lakh to 6 crore - 30 days
      Bajaj Allianz Nidaan Swasthya Bima Plan 1 day to 65 years 4 lakh, 5 lakh - 90 days
      Care Assure Plan 18 to 65 years 1 lakh to 3 crore = 90 days
      Cholamandalam Divyang Bima Plan 1 day to 65 years 4 lakh, 5 lakh Not required up to 50 years 30 days
      Digit Total Protect Plan 91 days onwards 5000 to 1 crore May be required 30 days, 60 days, 90 days
      Future Generali DIY Health Plan 1 day to 65 years 4 lakh to 15 lakh May be required 30 days
      HDFC ERGO EquiCover Plan 1 day to 65 years 4 lakh, 5 lakh May be required 90 days
      ICICI Lombard Special Shield Plan 1 day to 65 years 4 lakh, 5 lakh Not required up to 45 years 30 days
      IFFCO Tokio Health Protector for Persons with Special Needs Plan 1 day to 65 years 4 lakh, 5 lakh May be required 30 days
      Kotak Mahindra Kotak MediShield Plan 1 day to 65 years 4 lakh, 5 lakh May be required 30 days
      Liberty Critical Connect Plan 5 to 65 years 1 lakh to 1 crore Not required up to 40 years 4 years
      Magma HDI OneHealth Plan 91 days onwards 2 lakh to 3 crore May be required 30 days
      ManipalCigna ProHealth Insurance Plan 91 days onwards 2.5 lakh to 1 crore May be required 30 days
      National Meidclaim Plus Plan 90 days to 65 years 2 lakh to 50 lakh May be required 30 days
      New India Assurance Atmanirbhar Health Plan 1 day to 65 years 4 lakh, 5 lakh Not required 30 days
      Niva Bupa Health Recharge Plan 91 days to 65 years 2 lakh to 95 lakh Required 30 days
      Oriental Happy Family Floater Plan 91 days to 70 years 1 lakh to 50 lakh Not required up to 55 years 30 days
      Raheja QBE Health Bharosa Plan 1 day to 65 years 4 lakh, 5 lakh May be required 30 days
      Reliance Specially Abled Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh Required 30 days, 90 days
      Royal Sundaram Divyang Plus Plan 1 day to 65 years 4 lakh, 5 lakh - 30 days
      SBI Arogya Supreme Plan 91 days to 65 years 1 lakh to 5 crore May be required 30 days
      Star Special Care Gold Plan 1 day to 65 years 4 lakh, 5 lakh Not required 90 days
      Tata AIG Criti MediCare Plan 18 to 65 years 5 lakh to 2 crore May be required 90 days
      United India Samaveshi Suraksha Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh Required 30 days, 90 days
      Universal Sompo Saksham Bima Plan 1 day to 65 years 4 lakh, 5 lakh May be required 30 days
      Zuno Empower Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh - 30 days
      See More Plans

      *Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Inclusions of Health Insurance for HIV Patients

      An HIV insurance policy includes the following coverage:

      • Hospitalization expenses
      • Day care procedures
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Road ambulance charges
      • HIV/ AIDS hospital cash benefit
      • Second medical opinion

      Note: The HIV insurance coverage may vary from one plan to another.

      Exclusions of Health Insurance for HIV Patients

      A health insurance policy for HIV patients excludes the following:

      • OPD treatment
      • AYUSH treatment
      • Non-medical expenses
      • Unproven treatment
      • Rest, cure and rehabilitation care

      Tips to Prevent the Risk of HIV

      Check out some of the tips to prevent the risk of HIV AIDS:

      • Avoid using unsterilized or used needles while injecting medicines
      • Use condoms while having sex
      • Take antiretroviral treatment (ART) to prevent HIV transmission from mothers to children
      • Obtain pre-exposure prophylaxis (PrEP) if you are at a risk of HIV

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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