Life and Disability Insurance for People with or at Risk of HIV: Aligning Policy with Evidence.
J Insur Med
; 51(1): 25-28, 2024 Jul 01.
Article
en En
| MEDLINE
| ID: mdl-38802086
ABSTRACT
Antiretroviral medications have substantially improved life expectancy for people with HIV. These medications are also highly effective in preventing HIV acquisition in people who do not have HIV, a strategy known as HIV preexposure prophylaxis (PrEP). Despite these advances, some life and disability insurers continue to deny or limit coverage for people with HIV, and some have even refused to cover people who are using PrEP to protect themselves. These policies unfairly deny people with HIV, PrEP users, and their families the peace of mind and financial protection that can come with life and disability insurance coverage. This article summarizes the current evidence on HIV treatment and prevention, arguing that underwriting decisions by life and disability insurers should not be made based on HIV status or use of PrEP.
Palabras clave
Texto completo:
1
Banco de datos:
MEDLINE
Asunto principal:
Infecciones por VIH
/
Seguro por Discapacidad
/
Seguro de Vida
Límite:
Humans
País/Región como asunto:
America do norte
Idioma:
En
Revista:
J Insur Med
Año:
2024
Tipo del documento:
Article