Disability cover for HIV positive people is an optional addition to the life Insurance policy and covers certain conditions that may not apply to HIV negative individuals. The disability cover for HIV positive people covers a range of conditions that are more specific to those living with HIV and include the following conditions.

HIV wasting syndrome
Pneumocystis Carinii Pneumonia
Toxoplasmosis of the brain
Cryptosporidiosis with diarrhoea
Isosporosis with diarrhoea
Extrapulmonary cryptococcosis

These conditions are an example of the HIV specific conditions and are shown here as a guideline to give you an idea of the conditions, which, if they present themselves, are considered a disability under the policy and qualify you to claim against the disbility portion of the HIV Life Insurance policy.

This list is by no means a complete list and you should check the policy document for the complete list of conditions that qualify as disability. Other examples of conditions that would be consiered a disability may include:

Extrapulmonary TB
Kaposi’s sarcoma
HIV encephalopathy

Every Life Insurance policy for HIV positive people will include an adherence clause which requires you to maintain your health and would include being on an antiretroviral program amongst other conditions. It is important to get HIV Insurance quotes and request that the adherence clause be fully explained to you. It is an essential part of the policy document that you are required to adhere to for the LIfe Insurer to pay out in the event of your death or disability.

The conditions are not designed to be difficult to maintain but must be adhered to. They usually require Bi-annual CD4 count testing with the results being sent to the insurance company. This would be done by the testing company and you would be reminded of the requirement in order to maintain your HIV Life Insurance policy.

Get quotes now from our experienced consultants who will explain every aspect of the Life Cover as well as the adherence reqyuirements. Once you have received the advice and understand the adherence, you will be in a position to decide on the amount of cover you require to protect your families financial future in the event of your death.