HIV Insurance Guide

If you're HIV positive, it's usually harder to qualify for normal life insurance. For this reason, HIV insurance provides cover for you specifically if you are HIV positive. This HIV insurance allows you to provide for your family in the event of your death, qualify for home loans as well as provide for your financial needs should you become disabled.

There are two main types of HIV insurance available on the market: life cover and disability cover. Generally, HIV insurance premiums are higher than for people who not infected with HIV, as HIV-positive people are considered a higher insurance risk.

To get HIV insurance, you will usually have to agree to participate in treatment regimen which is determined by your insurer. This programme is designed to keep you healthy and alive for longer. This typically involves the following steps:

• If you are already having antiretroviral treatment, you will have to ensure that you follow the treatment programme recommended by your healthcare practitioner and take a CD4+ blood test regularly. Your HIV insurance provider will usually require a copy of these results.
• If you are not taking antiretroviral treatment, you will have to take a CD4+ blood test regularly and provide a copy of the result to your HIV insurance provider. Should the results show that your CD4+ count is below a certain level, you will be required to start antiretroviral treatment within a certain time period and follow the treatment schedule.

Want to apply for HIV insurance? Get a quote for HIV insurance now. Want to find out what other people think of Metropolitan Funeral Plans? Read our HIV insurance reviews in South Africa written by ThinkMoney subscribers.