People living with HIV still struggle to access insurance

clock • 5 min read

People living with HIV continue to face barriers to accessing both protection and general insurance, despite improvements in availability over the past decade, a major new report from NAT (National AIDS Trust) has warned.

One in four (25%) people living with HIV have been refused a financial product or quoted an unaffordable premium in the last five years, the report found. Many insurance products, such as income protection insurance and critical illness cover, remain completely unavailable to people living with HIV, the report highlighted. Life insurance that does not automatically exclude people living with HIV has been available since 2009. Most insurers now offer term life insurance that is inclusive of people living with HIV, though terms and conditions vary considerably. The report reminded re...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Individual Protection

Consumer Duty remains the biggest opportunity to expand protection

Consumer Duty remains the biggest opportunity to expand protection

"It is very easy to get bogged down in the regulatory requirements"

Andrew Gething
clock 18 November 2024 • 4 min read
NHS waiting list records drop in September

NHS waiting list records drop in September

A&E under strain

Jaskeet Briah
clock 15 November 2024 • 2 min read
COVER Protection and Health Summit 2024: In pictures

COVER Protection and Health Summit 2024: In pictures

Event on 07 November

COVER
clock 13 November 2024 • 1 min read