Comprehensive cover for people living with HIV or Diabetes.

HIV Insurance Answers

There is a growing concern with people who are HIV positive and their health insurance. Many have been told that HIV insurance simply does not exist. This is not true, you can get insurance if you are HIV positive. Here is some more information about HIV insurance.

In general, it can be better to get group cover than individual cover. This is because group cover can work out cheaper and the coverage will most likely be better. Also, the rates are likely to stay more stable over time. The way to get group cover would be through your employer, if you work for yourself or if your employer does not offer health insurance, then you are going to have to go it alone. In this case you need to find an insurance company that specialises in HIV insurance.

You can call an insurance company and get an insurance policy if you are HIV positive, just be aware that it is going to cost you a lot more than if you are not infected with HIV, that is if you can find an insurance company to underwrite your policy. There are, however, companies that specialise in HIV insurance. This kind of insurance company will probably have higher premiums than a regular insurance company, but they will still be lower than getting insurance through a regular insurance company if you are HIV positive. This is because they have already got the infrastructure in place to ensure that you remain as low a risk as it is possible for you to be.

Although it does get expensive to get insurance if you are HIV positive, it is possible. The one thing you need to realise is that you should never lie on your application. When you sign an insurance policy you are declaring that all the information provided by you and stated in the policy documents is true as far as you are aware. If it is found that you knew you were HIV positive and lied about it then you can be sued for insurance fraud and that really will ruin your life.