Informative Guide: Health Insurance for HIV patients


Informative Guide: Health Insurance for HIV patients

Rahul, a working professional, was experiencing fever and fatigue from some days. Because of which he was taking a lot of leaves from work. Thinking this, he went to the doctor for regular health check-up and was shocked to know that he has HIV/AIDS. This is no less than a trauma. He was living away from his family and used to bear their expenses. He is now worried about the treatment. There are many individuals like Rahul who go through the same angst.

In the last decade, there has been a massive increase in the number of HIV/AIDS cases in India. It has the third-largest HIV positive patients. Even though very few health insurers offer health insurance for HIV patients in India to fight this fatal disease. However, with the help of advanced medical treatments, HIV positive patients can live longer life. HIV positive individuals also face the burden of high medical expenses and have a greater need for medical insurance. In 2020, the Insurance Regulatory Development Authority of India (IRDAI) has ordered many health insurers to provide health insurance for HIV patients in India. The regulatory body has guided all insurers to publish underwriting philosophy of offering insurance coverage to individuals affected with HIV/AIDS.

In India, the awareness related to HIV/AIDS is still low. However, after the IRDAI guidelines, Care Health Insurance offers coverage for HIV patients. Their health insurance policy, Care is a sigh of relief for HIV patients.

Let us discuss how this medical insurance benefits HIV patients. Care offered by Care Health Insurance includes coverage for the list of expenses:

  • Pre and post hospitalisation medical expenses
  • In-patient hospitalisation expenses
  • Day-care treatment
  • Domiciliary hospitalisation

The detailed description of Care has been mentioned below:

Some of the other features that helps in reducing the financial burden are:

  • Auto Recharge of Sum Insured: The insurer will recharge the policy in case you have exhaused the coverage because of claims.
  • Cashless Treatment: This benefit allows you to avail of the treatment without worrying about the medical expenses.
  • Annual Health Check-Up: With the help of this benefit, you can assess your health condition and take preventive measures.

All the medical records and information of the insured will be kept confidential. The insured need not worry and can live a stress-free life. The insured must comply with all the rules given by IRDAI.


With changing time and advanced medical care, people with HIV/AIDS can now live a healthy life. There is a need for health insurance among HIV patients. The treatment and other medical facilities are expensive. Thus, medical insurance is a necessity for such patients. Individuals are in the hope that in the future, there will be an adequate solution.

In this situation, the medical insurance offered by us is of great help. It offers the best health insurance plan in India that are both affordable and adequate.

If you have someone in your family who is HIV positive, then you must secure them with health cover. Considering the benefits to opt for Care health insurance policy are many. Firstly as it does not have any third-party administrator, instead, it has an in-house claim settlement team due to which the claim settlement process is quick.

For more information on premium and other details, you can visit the company’s official website or call them on their toll-free number. The customer care team will get back to you and will help in buying the best health insurance plan in India as per your requirements.

>> Also Read: Health Insurance for Care and Treatment of HIV Patients

Disclaimer: Underwriting of claims for HIV/AIDS is subject to policy terms and conditions.

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