Challenges in accessing health insurance
People living with HIV/AIDS face unique barriers when it comes to accessing health insurance. Stigma, high premiums, and policies that often exclude necessary treatments create an environment of discrimination.
These obstacles deny individuals essential healthcare services and perpetuate their vulnerability.
Pankaj Nawani, CEO of CarePal Secure, emphasises the need for change.
He calls for more awareness and regulatory changes to ensure that health insurance policies are inclusive.
“To address these issues, we must begin by fostering awareness and eliminating stigma within the health insurance industry. Education campaigns targeted at insurers, healthcare providers, and the broader community can dismantle harmful stereotypes and encourage more inclusive practices,” he told CNBC-TV18.com.
Insurance coverage for people living with HIV/AIDS
In recent years, the landscape for HIV/AIDS-related health insurance has improved.
Policies are now available for individuals living with HIV, even if their condition has not progressed to the AIDS stage.
People with a CD4 count over 350 are eligible for specialised health insurance coverage, which is not restricted by age.
These policies typically cover medical expenses when HIV progresses to AIDS.
They provide financial support for hospitalisation, outpatient treatments, mental health support, and preventive care.
Additionally, some policies include antiretroviral therapy (ART) and non-allopathic treatments, further enhancing the quality of life for policyholders.
However, exclusions exist.
If AIDS is diagnosed within a certain period from policy purchase, it may be excluded from coverage. Moreover, communication with insurers is crucial, as claims may be denied if the AIDS diagnosis is not reported within the specified timeframe.
Available policies
| Insurance Provider | Plan Name | Key Features | Sum insured |
|---|---|---|---|
| Star Health Insurance | Star Health Net Plus Plan | – Coverage for HIV/AIDS patients -Confidentiality assured – Financial support at AIDS stage – No age limit for applicants | — |
| Manipal Cigna | Global Health Group Plan | – Coverage for HIV/AIDS and related illnesses – Extensive coverage for COVID-19 treatment | Up to ₹3 crore |
| Niva Bupa | Health Premia Individual Health Insurance Plan | – HIV/AIDS treatment after a waiting period of 48 months – Available in Silver, Gold, and Platinum variants | ₹5 lakh – ₹3 cr |
(Note: Information sourced from Policybazaar)
Wellness and holistic health support
Beyond medical insurance, wellness practices play a vital role in the mental and emotional well-being of individuals living with HIV/AIDS.
Yoga, for example, has proven to be beneficial in boosting immunity and easing stress.
Unni Krishnan Mohandas, Yoga Guru at Niraamaya Retreats Surya Samudra, highlights the importance of wellness: “We should recognise the healing power of yoga in strengthening immunity and easing the emotional challenges faced by those living with HIV/AIDS. Through walking meditation and breathing exercises, we aim to help reduce the mental stress caused by societal pressures, family expectations, and career challenges.”
The combination of insurance coverage and wellness practices can significantly improve the lives of individuals living with HIV/AIDS.
