Best Health Insurance
For HIV Patients
  • Insurance For HIV Patients
  • Plan that cover HIV
  • Inclusions & Exclusions
Best Health Insurance For HIV Patients
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Best Health Insurance For HIV Patients in India

If you are looking for the best health insurance for HIV patients, you have come to the right place. According to National AIDS Control Organisation (NACO) 2021, there are 24 lakh people living with HIV in India. Even though there has been a little drop in the numbers over the years, the majority of the health insurance companies do not cover individuals having HIV. But there are a handful of companies that do offer health insurance for HIV patients in India. In this article you will get to know the HIV health insurance plans and its inclusions and exclusions.

Make Health Your Top Priority Banner

Complete Health Suraksha Banner

Health Insurance For HIV Patients in India

The following health insurance companies provide HIV health insurance plans. Let’s have a detailed understanding of these plans.

ManipalCigna LifeTime Health Plan

Manipal Cigna Lifetime health insurance plan that comes with a comprehensive coverage of up to 3 Crores. This plan can be customised depending upon your needs and can be opted throughout various walks of life.

What is Covered?

  • The plan covers hospitalisation expenses associated or caused by HIV, AIDs, ARC, STD or any variations or mutations of the said illness.
  • Pre and Post hospitalisation expenses will be covered by the company for up to 60 days (pre-hospitalisation) and 180 days (post-hospitalisation).

Terms and Conditions

The following are the terms and conditions of the plan with regards to HIV. The insured will be covered only if the following conditions are met:

  • Hospitalisation is done to access medically necessary treatment.
  • An authorised medical practitioner certifies the need for hospitalisation.
  • Disclosure of being HIV positive is necessary for medical conditions other than STD.
  • This cover will pay out up to the Sum Insured. The Sum Insured would be deducted by any
  • claims made under this particular section.

Niva Bupa Premia Health Insurance Plan

Niva Bupa formerly known as Max Bupa has an insurance plan called Premia Health Insurance Plan. The plan covers HIV/AIDs after a waiting period of 48 months. It comes in 3 variations i.e. Platinum, Gold and Silver.

What is covered?

  • The insurance company will cover hospitalisation costs, including day care costs, borne by the insured as a result of illnesses brought on by or linked to HIV/AIDS. The limit is laid out in the Policy Document.
  • Under this benefit, opportunistic infections caused by low immunity status in HIV/AIDS are provided coverage. Acute infections can develop from bacterial, viral, fungal or parasitic sources.
  • Medical costs incurred throughout the insurance period up to 90 days prior to hospitalisation will also be covered.
  • This benefit will cover post-hospitalization medical costs for up to 180 days following release and throughout the policy period.

Terms and Conditions

  • Patients with HIV/AIDS require hospitalisation or nursery services since their condition necessitates medical care. The prescription must be written by a licensed physician.
  • The patient has been identified as HIV positive.
  • Until 48 months have passed since the coverage, the insured won’t be qualified for HIV/AIDs benefit.
  • Up to Rs. 50,000 can be claimed as the maximum benefit amount. Within this limit, pre-hospitalization and post-hospitalization medical expenses are also covered.

What is not covered

  • This benefit does not apply to chronic illnesses such bronchial asthma, chronic liver disease, ischemic heart disease, chronic kidney disease, cerebro-vascular disease/stroke, or neoplasms that are not directly linked to the patient's immune level.
  • This benefit does not apply to lifestyle disorders such diabetes, hypertension, heart disease, and dyslipidemia that are unrelated to HIV/AIDS.

Aditya Birla Activ Fit

Aditya Birla's Activ Fit policy is specifically crafted to offer health insurance coverage for young adults who lead an energetic and fit life, providing encouragement for maintaining fitness while providing comprehensive coverage. It provides coverage for medical expenses incurred during the treatment of HIV/AIDS and STDs. There are beneficial aspects of the plan such as health returns, good health discounts, health check-up program in addition to EMI protection and premium waiver.

What is covered?

  • Cashless hospitalisation in 10051+ hospitals covered, including Covid-19, its variants and mental health issues.
  • Pre and post hospitalisation expenses covered.

Terms and Conditions

  • HIV/AIDS and STD covered up to Sum Insured.
  • The insured should be declared HIV+.
  • Hospitalisation should be authorised by a legitimate medical practitioner.


HIV/AIDs and related diseases were excluded from all insurance plans and policies as there was not much that could be done and the expenses were a lot more as compared to it. Now, with a little advancement in the treatment and considering the number of people going through it, certain insurance companies have come forward with insurance plans to help them out. It is necessary to read the policy document carefully and to find out everything in detail to benefit from the policies that offer coverage for HIV.

Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.

Unique Features

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of upto 15 %
  • Worldwide Maternity Benefit
  • In-patient care

NivaBupa Health Premia (Cons)

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 yrs
  • Treatment for Alcoholism

NivaBupa Health Premia (Other Benefits)

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

NivaBupa Health Premia (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Aditya Birla Activ Fit

A health insurance plan designed especially for the youth. The plan provides protection and rewards for good health.

Unique Benefits

  • Affordable Premiums
  • Discounts Available
  • Travel Protect

Aditya Birla Activ Fit (Pros)

  • Maternity Cover
  • Binge Refill Feature
  • 10% Good Health Discount
  • Daily Cash Benefit
  • Day Care Treatment

Aditya Birla Activ Fit (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Aditya Birla Activ Fit (Other Benefits)

  • Up to 100% NCB
  • Health Check-up
  • Home Treatment
  • OPD Expense Cover
  • Premium Waiver Benefit

Aditya Birla Activ Fit (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 45 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Best Health Insurance For HIV Patients: FAQ's

1. Is there any health insurance for HIV patients in India?

Yes, there are a few insurance firms in India that provide coverage for HIV patients. These firms offer specialised health plans made just for people with HIV/AIDS.

2. Are there waiting periods for HIV/AIDS coverage in health insurance plans?

Yes, there are waiting periods for some plans. For instance, there is a 48-month waiting time for HIV/AIDS coverage under the Niva Bupa Premia Health Insurance Plan. For details, read the plan's terms.

3. Can I claim pre and post-hospitalization expenses for HIV/AIDS treatment?

Yes, some insurance policies, like the Niva Bupa Premia Health Insurance Plan and the ManipalCigna Lifetime Health Plan, will pay for pre- and post-hospitalization costs for HIV/AIDS treatment. For specific information, consult the policy documents since limitations and conditions may differ.

Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Achintya Sharma


May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

Customer Review Image

Parag Mehta


May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

Customer Review Image

Anshul Garg


May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

Customer Review Image

Shivalika Varghese


May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar


May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge


May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Neelam Sharma


May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

Customer Review Image

Adi Kukreja


May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.