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Straight from the Specialists

Health insurance for people with HIV

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(The views expressed in this column are the author’s own and do not represent those of Reuters)

The insurance regulator recently floated a proposal which mandates all health insurance providers to put an underwriting policy in place for covering people with HIV or those working closely with HIV+ persons, such as doctors and nurses.

This will come as a relief for those affected or working in the field as chances are they would be refused a health insurance cover in the current scenario. Under normal circumstances, insurance companies would refuse outright to cover such individuals or exclude it as a pre-existing condition and not provide any benefits.

It will be interesting to gauge the insurance companies’ response to this as these plans might create a ‘bleeding’ scenario. Since the risk here is known and is no more left to chance or at least not completely, the usual models of underwriting many not work.

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