Expert Zone

Straight from the Specialists

Health insurance for people with HIV


(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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