The Truth About HIV Life Insurance Coverage

The Truth About HIV Life Insurance Coverage

By Augustus Dadey

In the last decade there have been lost of analysis into HIV and AIDS and medical specialists have drastically switched their opinions about the treatment of HIV along with the lifespan of people inflicted with the condition. A couple of years back those that had been infected with HIV did not have a good life expectance, and due to this HIV life insurance policies were near impossible to purchase. Thanks to more advanced treatment options life-span has increased drastically.

Before HIV was a condition which was expected to bring about a rapid and sure loss of life. Those inflicted were given months to live. As soon as first identified HIV and AIDS brought on large scale fear as the disease was taking tens of thousands of lives each year. Initially it spread amongst the impoverished and then between the gay groups and then in all communities at large. The illness continues to be controlled with schooling and all those who have contracted the illness are capable of live healthy and regular lives with the correct treatment.

With education and learning, more beneficial prevention treatments and drug treatments such as anti-retro viral the ailment is less disturbing compared to earlier years. HIV life insurance has also been a topic which insurance providers feel more comfortable talking about. There are still many insurance carriers that still do not offer policies for individuals inflicted with the illness but you can also get insurance companies that have spotted the gap in the marketplace and have decided to cater solely to those inflicted with the ailment.

Certain insurance providers permit their clientele to purchase insurance coverage in the event of contracting HIV, on the other hand their clients will only be insured should they be HIV free when choosing such a policy. Those who seek to buy this insurance plan while being HIV positive might not be successful.

Those insurers who cater for those inflicted with the illness have certain stipulations before covering an individual. The individual that is HIV positive will have to prove to be healthy and have healthy practices. The medical examiner will check to see that the persons CD4 count is within the suitable range. The insurance company will in addition ask a number of questions to ascertain whether the person lives in such a way which promotes health. Questions which are asked are generally questions for instance;

* Whether or not they use cigarettes, drink or take harmful drugs

* Whether the individual exercises on a regular basis

* Whether the person has a healthy diet plan

* Whether the individual has an optimistic outlook on life

* Whether they have several sexual partners and whether or not use protection

* Whether the person is residingin suitable conditions

* Whether the person has some other diseases

In conclusion apart from a physical examination the insurance vendor ought to be certain that the one seeking insurance policy is taking responsibility for themselves and is living in such a way which will lengthen their lives rather than reduce it.

Insurance providers do take on a bigger risk when insuring those with HIV although not as big a risk as what it was during the past.

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