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.

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.

Conclusion

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.