Health Financing/Insurance

New Insurance Policy for HIV Positive

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National Aids Control Organization (NACO) is going to press insurance companies to make insurance ‘inclusive and universal for people living with HIV (PLHIV). Presently HIV is excluded from all insurance policies available in the country. Earlier HIV/AIDS was regarded as an incurable disease, however now it has become a manageable health problem. A ministry official said, “Those living with HIV are living longer and have less morbidity cases, thanks to the increase in anti-retroviral therapy (ART) coverage. With timely initiation of ART, PLHIV may live a normal life up to 20 more years. Companies need to realize that covering HIV patients with a medical policy is no more a loss making proposition.” HIV has been taken out from the exclusion list making it possible for poor PLHIVs to be covered under health insurance, which can make them entitled to one time hospitalization for nearly 700 in-patient procedures with costs up to Rs 30,000 by paying a minimal registration fee of Rs 30 per annum.

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