Health Insurance for HIV Patients

What is HIV?

HIV, or Human Immunodeficiency Virus, attacks the immune system of the body, weakening it and making it more vulnerable to other infections and diseases. It spreads through direct contact of bodily fluids with an infected person, most commonly during unprotected sex or sharing used syringes. An HIV infection is incurable and can ultimately lead to AIDS or Acquired Immunodeficiency Syndrome.

As per reports, India bears the world's third-largest number of HIV-affected individuals. Besides, a person once infected by HIV has to live with the infection for life. Although medicines can reduce the intensity of HIV in the blood, it is a lifelong expense. Having an HIV insurance policy can help HIV positive people to manage their medical expenses without burdening their finances.

Benefits of Buying Health Insurance for HIV Patients

Here are some of the key reasons to buy health insurance for HIV positive in India:

High Incidence of HIV in India

HIV has a high prevalence in India. As per reports, about 2.3 million people in India were living with HIV in 2021. With a frequent string of illnesses and infections, living with HIV can be emotionally and financially wearisome. By buying a health insurance policy for HIV patients, policyholders can stay prepared for any medical expenses resulting from HIV AIDS in future.
Comprehensive Coverage for HIV

Most HIV health insurance plans provide extensive coverage for medical expenses incurred in treating HIV positive people. Right from hospitalization and surgery costs to ambulance charges, the policy provides coverage for all. Thus, HIV patients can effectively manage the cost of treating the infection without exhausting their savings with the help of a mediclaim insurance policy.

List of Ideal Health Insurance for HIV Patients in India

Take a look at the right health insurance for HIV patients in India:

HIV Health Insurance Plans	Entry Age	Sum Insured (₹)	Pre-policy Medical Check-ups	Waiting Period
Aditya Birla Activ One Plan	91 days onwards	2 lakh to 6 crore	-	30 days
Bajaj Allianz Nidaan Swasthya Bima Plan	1 day to 65 years	4 lakh, 5 lakh	-	90 days
Care Assure Plan	18 to 65 years	1 lakh to 3 crore	=	90 days
Cholamandalam Divyang Bima Plan	1 day to 65 years	4 lakh, 5 lakh	Not required up to 50 years	30 days
Digit Total Protect Plan	91 days onwards	5000 to 1 crore	May be required	30 days, 60 days, 90 days
Future Generali DIY Health Plan	1 day to 65 years	4 lakh to 15 lakh	May be required	30 days
HDFC ERGO EquiCover Plan	1 day to 65 years	4 lakh, 5 lakh	May be required	90 days
ICICI Lombard Special Shield Plan	1 day to 65 years	4 lakh, 5 lakh	Not required up to 45 years	30 days
IFFCO Tokio Health Protector for Persons with Special Needs Plan	1 day to 65 years	4 lakh, 5 lakh	May be required	30 days
Liberty Critical Connect Plan	5 to 65 years	1 lakh to 1 crore	Not required up to 40 years	4 years
Magma HDI OneHealth Plan	91 days onwards	2 lakh to 3 crore	May be required	30 days
ManipalCigna ProHealth Insurance Plan	91 days onwards	2.5 lakh to 1 crore	May be required	30 days
National Meidclaim Plus Plan	90 days to 65 years	2 lakh to 50 lakh	May be required	30 days
New India Assurance Atmanirbhar Health Plan	1 day to 65 years	4 lakh, 5 lakh	Not required	30 days
Niva Bupa Health Recharge Plan	91 days to 65 years	2 lakh to 95 lakh	Required	30 days
Oriental Happy Family Floater Plan	91 days to 70 years	1 lakh to 50 lakh	Not required up to 55 years	30 days
Raheja QBE Health Bharosa Plan	1 day to 65 years	4 lakh, 5 lakh	May be required	30 days
Reliance Specially Abled Health Insurance Plan	1 day to 65 years	4 lakh, 5 lakh	Required	30 days, 90 days
Royal Sundaram Divyang Plus Plan	1 day to 65 years	4 lakh, 5 lakh	-	30 days
SBI Arogya Supreme Plan	91 days to 65 years	1 lakh to 5 crore	May be required	30 days
Star Special Care Gold Plan	1 day to 65 years	4 lakh, 5 lakh	Not required	90 days
Tata AIG Criti MediCare Plan	18 to 65 years	5 lakh to 2 crore	May be required	90 days
United India Samaveshi Suraksha Health Insurance Plan	1 day to 65 years	4 lakh, 5 lakh	Required	30 days, 90 days
Universal Sompo Saksham Bima Plan	1 day to 65 years	4 lakh, 5 lakh	May be required	30 days
Zuno Empower Health Insurance Plan	1 day to 65 years	4 lakh, 5 lakh	-	30 days
Zurich Kotak (formerly known as Kotak Mahindra) MediShield Plan	1 day to 65 years	4 lakh, 5 lakh	May be required	30 days

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Inclusions of Health Insurance for HIV Patients

An HIV insurance policy includes the following coverage:

Hospitalization expenses
Day care procedures
Pre-hospitalization expenses
Post-hospitalization expenses
Road ambulance charges
HIV/ AIDS hospital cash benefit
Second medical opinion

Note: The HIV insurance coverage may vary from one plan to another.

Exclusions of Health Insurance for HIV Patients

A health insurance policy for HIV patients excludes the following:

OPD treatment
AYUSH treatment
Non-medical expenses
Unproven treatment
Rest, cure and rehabilitation care

Tips to Prevent the Risk of HIV

Check out some of the tips to prevent the risk of HIV AIDS:

Avoid using unsterilized or used needles while injecting medicines
Use condoms while having sex
Take antiretroviral treatment (ART) to prevent HIV transmission from mothers to children
Obtain pre-exposure prophylaxis (PrEP) if you are at a risk of HIV

FAQs

Q1. Is HIV covered by insurance in India?

Ans: Yes. All health insurance companies in India provide medical coverage to HIV positive people.
Q2. Can an HIV patient have health insurance?

Ans: Yes. An HIV patient can buy a medical insurance policy but will have to serve a pre-existing disease waiting period.
Q3. What can I claim if I have HIV?

Ans: Under most HIV insurance plans, you can claim medical expenses incurred on in-patient hospitalization, day care procedures, pre-hospitalization & post-hospitalization expenses, and ambulance charges.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in