Even though the life expectancy of those living with HIV or AIDS has improved over time still people discover that they are turned away based on their HIV status. It was recently reported that the Therapy Action Campaign, general secretary was declined HIV life insurance by a well known insurance vendor because of her status, this is regardless of the fact that she has been on ARS for the past 10 years and that the virus has not multiplied in her body in all that time.

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Although the life-span of those living with HIV or AIDS has improved over the years still
individuals realize that they are turned away based on their HIV status. It was lately disclosed that
the Treatment Action Campaign, general secretary was refused HIV life insurance by a popular
insurance agency due to her status, this is regardless of the fact that she has been on ARS for
the past ten years and that the virus has not multiplied in her system in all that time. Activists are
raising their voices against what they consider discrimination by insurance carriers. If you are HIV
positive and are thinking about purchasing HIV life insurance coverage you may be interested in
obtaining the facts about HIV life insurance in South Africa. In this article I am going to be clearing
up the insurance industries position on the issue in addition to the people who are affected by HIV
or individuals who support the view that those infected with HIV must be given the possibility to
buy life insurance if they so choose.
The Insurance Industries Position
The insurance industry have been reluctant or have refused to make life insurance available for
those who are HIV positive on account of the monetary implication it would have on companies or
the industry on the whole. Their reasoning is that those who are infected with HIV have a limited
life-span and so will likely not have the ability to pay back the loan amount taken out on the
insurance plan. When a healthy man or woman takes out life insurance at a young age, the
insurance provider reasons that the individual will pay back as much or more of the value of the
insurance plan. When someone who is terminally ill takes out an insurance plan the chances that
the insurance carrier will have to pay out a life insurance policy without having obtained the same
worth returned in monthly premiums is higher. This in a nutshell signifies that the insurance carrier
loses funds. If you would like a lot more data on Full Write-up, simply see: hiv aids
The Contrary Position
People who have been infected with HIV but who have been using ARV's and living a healthy
lifestyle think that they should be privy to life insurance coverage. Their argument is that research
reveals that the life span of people living with HIV is 80% of that of a health man or woman if the
person has a healthy lifestyle and takes their medications. These indicators can be checked by
medical practitioners simply by monitoring the infected persons viral load. Individuals who are
responsible about managing their disease believe that given the stats they must be afforded life
insurance. No longer is HIV the death sentence which it had been previously and therefore the
insurance industry should change their policies accordingly.
Is there some sort of HIV life insurance available today?
The answer is yes. There is life insurance coverage obtainable for those living with HIV by certain
life insurers. Those thinking about buying this insurance coverage need to prepare themselves for
the price. Although insurance policies are available they generally do cost you more than life
insurance plans for individuals who are not infected.