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Homearrow News and Events Year 2011 Med Insurance Policy for HIV+?

Med Insurance Policy for HIV+?

Times of India
02 February 2011
By Kounteya Sinha
New Delhi, India

Med Insurance Policy for HIV+?
India could soon see a national medical insurance policy for people living with HIV (PLHIV). In a meeting with insurance companies and the Insurance Regulatory Development Agency on February 3, the National AIDS Control Organisation (NACO) will push for making insurance "inclusive and universal for PLHIV". At present, HIV is excluded from insurance policies "violating the national mandate of providing stigma free care".

Union health ministry officials said HIV/AIDS, which was earlier regarded as a "incurable disease", has now become a "manageable health problem" and should be included in medical insurance policies. "Right now, there are individual health schemes in some states that cover certain healthcare related costs of PLHIV. Many health insurance policies exclude services to PLHIV and there is need for a package designed specially for such people.

We will discuss global best practices to see how a viable insurance policy can be created for them," joint secretary Aradhana Johri said. Another ministry official said, "Those living with HIV are living longer and have less morbidity cases, thanks to the increase in anti–retroviral therapy coverage. With timely initiation, 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 plan."

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