HIV/AIDS PERSON WILL GET INSURANCE COVER FROM 2014 ,EVEN NEGATIVE TO POSITIVE CANNOT BE DENIED INSURANCE : GOOD DECISION BUT HIGHER PAYMENT FOR HIV/AIDS THAN NORMAL NEED RECONSIDERATION LIKE USA

PROF.DRRAM ,HIV/AIDS,SEX DISEASES,SEX WEAKNESS & ABORTION SPECIALIST 
profdrram@gmail.com,+917838059592,+919832025033 DELHI –NCR,INDIA 
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Persons suffering from HIV/AIDS or other pre-existing illness will have to pay higher premium for life insurance, regulator IRDA said today.Insurance Regulatory and Development Authority (IRDA) Chairman T S Vijayan said insurance companies will provide life cover to persons with pre-existing illness, but the pricing will be based on commercial considerations.‘The whole idea is the person may be having a disease, once the policy has started even if the person is having disease, he is not excluded. Obvious thing is pricing has to be different. That is the commercial decision left to the industry,’ he told reporters after a Ficci event here.

He said a few insurers have already introduced cover for HIV/AIDS infected patients. ‘I am sure more companies will bring policies,’ Vijayan said.The IRDA had in October come out with a draft circular, asking all insurers to provide life-insurance cover to HIV/AIDS patients.

The circular on policies for people with HIV/AIDS is likely come into effect from April 2014 and insurers would be required to put in place procedures for underwriting and claim settlement, and proposal form before that.The circular also provides for health insurance products offered by life insurers for those who are HIV negative at inception of the policy and acquire HIV/AIDS after commencement of insurance policy.

With respect to such persons who are HIV negative at date of commencement of the contract and subsequently found to be HIV positive during the term of the policy, the circular states that the insurers should not reject/deny any claim on such grounds and in all such cases, the underwriting guidelines and claims settlement guidelines applicable at the time of commencement should be applicable.
but decision to high payment should be relloked as most of HIV/AIDS PATIENT POOR AS IN ONE STUDY 45% ARE FEMALE AND OF THESE 40-50% ARE JOBLESS SO UNTIL GOVT BRING ANY GOOD INSURNCE POLICY LIKE OBAMAHEALTH CARE POLICY IN USA WHERE EVERY HIV/AIDS PATIENT GETS INSURANCE EVEN AT LOWER PREMIUM FOR EVEN DIGNOSIS AND FULL TREATMENT INCLUDING OF OPPUTUNISTIC INFECTIONS SAME WAY KIKE HEATH INSURANCE POLICY FOR COMMON VILLAGERS OF BPL GROUP IT SHOULD BE PROVIDED TO HIV/AIDS PATIENTS AS MOST RE NEGLECTED AND VERY POOR.

PROF.DRRAM ,HIV/AIDS,SEX DISEASES,SEX WEAKNESS & ABORTION SPECIALIST 
profdrram@gmail.com,+917838059592,+919832025033 DELHI –NCR,INDIA 
FOLLOW ON FACE BOOK:www.facebook.com/drramkumar 
FOLLOW ON TWITTER:www.twitter.com/profdrram 
.

Persons suffering from HIV/AIDS or other pre-existing illness will have to pay higher premium for life insurance, regulator IRDA said today.Insurance Regulatory and Development Authority (IRDA) Chairman T S Vijayan said insurance companies will provide life cover to persons with pre-existing illness, but the pricing will be based on commercial considerations.‘The whole idea is the person may be having a disease, once the policy has started even if the person is having disease, he is not excluded. Obvious thing is pricing has to be different. That is the commercial decision left to the industry,’ he told reporters after a Ficci event here.

He said a few insurers have already introduced cover for HIV/AIDS infected patients. ‘I am sure more companies will bring policies,’ Vijayan said.The IRDA had in October come out with a draft circular, asking all insurers to provide life-insurance cover to HIV/AIDS patients.

The circular on policies for people with HIV/AIDS is likely come into effect from April 2014 and insurers would be required to put in place procedures for underwriting and claim settlement, and proposal form before that.The circular also provides for health insurance products offered by life insurers for those who are HIV negative at inception of the policy and acquire HIV/AIDS after commencement of insurance policy.

With respect to such persons who are HIV negative at date of commencement of the contract and subsequently found to be HIV positive during the term of the policy, the circular states that the insurers should not reject/deny any claim on such grounds and in all such cases, the underwriting guidelines and claims settlement guidelines applicable at the time of commencement should be applicable.
but decision to high payment should be relloked as most of HIV/AIDS PATIENT POOR AS IN ONE STUDY 45% ARE FEMALE AND OF THESE 40-50% ARE JOBLESS SO UNTIL GOVT BRING ANY GOOD INSURNCE POLICY LIKE OBAMA HEALTH CARE POLICY IN USA WHERE EVERY HIV/AIDS PATIENT GETS INSURANCE EVEN AT LOWER PREMIUM FOR EVEN DIGNOSIS AND FULL TREATMENT INCLUDING OF OPPUTUNISTIC INFECTIONS SAME WAY KIKE HEATH INSURANCE POLICY FOR COMMON VILLAGERS OF BPL GROUP IT SHOULD BE PROVIDED TO HIV/AIDS PATIENTS AS MOST RE NEGLECTED AND VERY POOR.