You need health cover regardless of what you take two at a time - pills or stairs.
  • Health Insurance for HIV Positive/AIDS Patients

    In 2014, India was said to have the third highest number of AIDS infected people in the World. This is a disturbingly high number. Considering that the virus can affect anybody and there is no immunity or cure for this virus invented yet, it is one of those diseases that are much dreaded. While the equally dreaded cancer is considered as critcal illness, HIV/AIDS is far more dangerous because there is no cure yet and the person has to live with the disease for the rest of his or her life. However, if you have the financial help to survive, life might seem a little easier for most since you would have one thing less to worry about. Health insurance specifically for HIV/AIDS patients might be able to provide financial support, when it comes to fighting the disease.

    Why Health Insurance is Required for HIV Positive/AIDS Patients?

    HIV and AIDS are two of the most dreaded abbreviations in the line of medicine. Continuous research is being done to find the cure of HIV/AIDs. People are hoping that in the next few decades there will be an adequate solution. Currently there are medicines and treatments that help people survive for a longer period of time with the disease. These treatments and medical aids are not only expensive but have to be taken for a patient’s whole life. A health insurance, therefore, becomes absolutely necessary for such patients. It also harbours sudden costs and is able to provide for the newer treatment which scientists are working on, at all times.

    What are the Challenges Faced in Providing Health Insurance for HIV/AIDS patients?

    HIV virus attacks the immune system of an individual’s body, leading the person to be prone to any infections or diseases which the body could otherwise fight. When the body’s immune system is damaged, diseases could lead to death faster. Though people can live with the disease as mentioned earlier, it is very risky for insurers to invest on. Most companies in India make this disease part of their exclusion list for health insurance coverage hence providing no financial aid. However, in 2013, IRDA which is the leading insurance administrative body in India has urged health insurance providers to provide some sort of cover for these people. So far, there is only one insurance company which came forward covering this disease which is Star Health India.

    Star Health India’s Plan for AIDS/HIV Patients:

    Star Health is the first company to come up with a plan for AIDS/HIV positive patients in India. Some allowance in their plan provide coverage for HIV infected patients in their health insurance policy.

    Star India Medi-Classic Insurance Plan:

    Star as a conglomerate has always been a company which has indulged in philanthropy through health care, an important mission of their group, and hence have tried to make it work for the worst situations in health.

    Benefits and Features of Star India Medi-Classic Insurance Plan:

    • If the CD4 count for the disease is lower than 350, people can claim for coverage through this plan.
    • Expense claims for Human T-Cell Lympho Trophic Virus Type III (HTLV-III) or Lymphadenopathy Associated Virus (LAV) or for that matter AIDS are not covered. However, it does consider treatment costs of HIV patients if they meet certain criteria for treatment and stage. This means that they cover people who are in the earliest stages.
    • This plan also covers costs incurred for:
      • Inpatient hospitalization
      • Pre-hospitalization
      • Post-hospitalization
      • Non-allopathic treatments
      • 101 Day-Care procedures
    • The sum assured is automatically restored if the coverage is exhausted when meeting any claim.
    • No medical tests required if the individual is under the age of 50 years.
    • Free health check-ups for people who do not make any claims in 4 years worth upto Rs.5,000.
    • Other exclusions include:
      • Expenses incurred in treating HIV
      • Confirmation of being infected by AIDS within 90 days of policy commencement.
      • Any medical conditions that are pre-existing

    If someone has the disease or is HIV positive, it is essential that they come forward and seek treatment through such plans. The plan has also been recently upgraded to Star Health Netplus.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Health Insurance for HIV Positive/AIDS Patients Reviews

  • Page 1 of 1
    • HDFC Ergo Health Insurance
      "Good...."
      0.5 4.0/5 "Great!"
      On basis of credit card I got the health insurance. I got a marketing call for this insurance. They give the settlement if we hospitalized for 24 hours and major operations are covered. We can claim up to ten lakhs. Pregnancy, HIV, dental and some more disease are not been covered by HDFC Ergo.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2016
    • HDFC Ergo Health Insurance
      "Great if they provide better benefits.."
      0.5 2.5/5 "Just OK"
      Till date no claims with HDFC Ergo. For safer side I have taken this health insurance though I have one corporate plan. Excluding maternity, HIV and cancer they cover everything. 3lakhs is the medical coverage. Totally three members are covered in this health insurance. Great if they provide better benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 25, 2016
    • HDFC Ergo Health Insurance
      "HDFC has tie up with more than five thousand hospitals.."
      0.5 4.0/5 "Great!"
      Cosmetic surgeries and dental are not in the list of the HDFC Ergo so they will not cover on the health insurance. Post five years pre existing diseases will be covered. They reimburse for cancer but HIV is not on the list. HDFC has tie up with more than five thousand hospitals. Plan is very good but yet to experience their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 30, 2015
    • HDFC Ergo Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      HDFC ergo is using third party service. But the medical coverage offer was good like 2 lakhs for every years Most of the listed hospital are covered. Cancer and HIV are not covered. They charge around rs.8000 yearly in case we do not use policy it is reimbursement every year but if we call them they use to change the policy .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 26, 2015
    • Royal Sundaram Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      The coverage with the Royal Sundaram Health insurance company is around 75000 Rupees per annum. I can say everything is best with them. Claim percentage is good with them and I can get around 90% of the cost of the treatment not inclusive of dressing like band aids and all.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 26, 2015
    • HDFC Ergo Health Insurance
      "Good Insurance company!!"
      0.5 4.0/5 "Great!"
      I have taken a health insurance from HDFC ergo. This insurance covers all the health related issues and it has got even accidental benefits. It is not a standard coverage as every year the coverage gets increasing. This insurance does not cover the critical diseases like HIV. Overall it is a good company.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2015
    • ICICI Lombard Health Insurance
      "So far not claimed anything..."
      0.5 5.0/5 "Blown Away!"
      According to my knowledge, maternity and Aids are not covered under health insurance. ICICI Lombard told me that if any diseases are going to diagnosed it wonâ??t be covered as they made us for medical checkup. I have opted for 5lakhs of coverage and yearly I am paying around 36k. I was informed that some savings plan also included along with this health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 23, 2015
    • ICICI Lombard Health Insurance
      "Meets my expecation.."
      0.5 3.0/5 "Satisfactory"
      Never had any issues till now and not yet claimed anything with ICICI Lombard on health insurance. Now its been eight years so almost all diseases are being covered. Pre existing diseases are getting covered post two years. The disease that customer is inviting by their own are not covered like AIDs. The starting coverage is of 5lakhs and additional coverage is 5lakhs and totally it is of 10lakhs. My parents are excluded on this insurance. ICICI is very helpful.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 23, 2015
    • Religare Health Insurance
      "Customer friendly..."
      0.5 4.0/5 "Great!"
      Religare Health is covering all types of critical illness except dental and AIDs. According to my point of view, AIDs should be covered as it is necessary. Customer service is very good in Religare. Pre existing diseases will be covered but the waiting time is of 2 years. No claim bonus is up to 10%.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 19, 2015
    • Royal Sundaram Health Insurance
      "good.."
      0.5 3.0/5 "Satisfactory"
      I have several credit card and through that I got a call for an offer of health insurance and have selected Royal Sundaram. It is of family floater and per head the coverage is of 1lakh and dependents are seven members. Pregnancy is not covering and aids as well. If customer is above 60 years than they ask the person to go medical check up.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 29, 2015
    • Future Generali Health Insurance
      "Better coverage at good rate.."
      0.5 4.0/5 "Great!"
      I got health insurance along with my car insurance and Future Generali general insurance is not covering HIV. Pre existing diseases are not covering at any cost and at any interval. Premium is less as comparing to other insurance companies and coverage is better as well.
      Was this review helpful? 0
      , pune
      Reviewed on May 19, 2015
    • Star Health Health Insurance
      "Mediclaim policy..."
      0.5 4.0/5 "Great!"
      Family health optima is the health plan to protect my family members and overall coverage is 2-5lakhs. If customer is hospitalized more than 24hours than they can claim for insurance and network hospitals are in excess over the cities. Star health&Allied insurance is not covering pregnancy and HIV.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on May 09, 2015
    • ICICI Lombard Health Insurance
      "Good area for health insurance!!!"
      0.5 4.0/5 "Great!"
      I did not take health insurance personally with ICICI Lombard because it was opened via my organization. One of my colleagues was injured so he claimed for reimbursement and he got good response and ICICI is covering most of the hospitals. 4lakhs is the coverage and this is per head. HIV, cancer, pre-existing, dental, cosmetic surgeries are not covered under health insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 09, 2015
    • Cigna TTK Health Insurance
      "I had very good claim experience!!!"
      0.5 5.0/5 "Blown Away!"
      I had health insurance with Cigna TTK Health Insurance where it got opened by my previous organization and I claimed for insurance where they provided cashless and there was reimbursement around 3lakhs. The total health insurance was for 5lalkhs and there I included my parents by paying some additional amount. In Cigna TTK, all diseases were covered except HIV treatment.
      Was this review helpful? 2
      , pune
      Reviewed on Feb 06, 2015
    Common Loader Icon
    Page 1 of 1
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.