HIV And Insurance — Not An Easy Fit

When you think about items that disqualify you from obtaining things like life insurance or disability cover you generally think of things like terminal ailments and pre-existing conditions and also HIV. HIV and insurance aren’t an easy match. For many years if you were identified as having HIV, things like life insurance and disability cover were simply not a possibility. Things have started to change.

It is now possible for HIV and insurance to get together. A single insurance company has taken the jump and it is prepared to insure people who have been identified as having both diabetes and HIV.

The policies are only open to those who are identified as HIV positive, certainly not anyone who has currently advanced to the status of having Aids. The option of getting a plan may reopen if anti retroviral medicine is taken and the consequence of this is the disease returns to being in check and the person is downgraded to HIV positive again.

Apart from this sort of situation, the life policies provided by this insurance provider are extremely similar to other life insurance policies. They exclude the same kind of events for example suicide and dying because of terrorist or even battle actions.

The main difference, aside from this insurance provider permitting diabetes, HIV and insurance to meet, would be that the people who the organization agrees to insure will need to take regular blood assessments to make sure that they are managing their own problem correctly and taking just about all possible actions to ensure they live long lives. This really is to safeguard the organization from those who have given up or even wish their loved ones to have the financial advantage of a payout.

It is possible for you to get life or disability cover if you’re unfortunate enough to be diagnosed as being HIV positive or to acquire diabetes. No longer do you have to skrimp and save to provide for your family members when you pass on, instead you can get a life insurance policy and make sure that your family members are going to be provided for when it’s time for you to move on to the following life.

For more information about HIV and insurance visit the website http://www.alllife.co.za

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