In fact, the exclusion looks more prominent, when insurers consider diabetics to buy life insurance, although with a higher premium. Many a time, insurers have a special policy that is designed for diabetics and LIC also has one such policy called Asha Deep that covers cancer, kidney failure, stroke and heart diseases requiring bypass surgery.

While you come across discrimination like this, it’s obvious to feel dejected that why an HIV positive person cannot declare that he is suffering from AIDS like the way he would tick the box for smoking or drinking and still buy the policy.

Antiretroviral Therapy (ART) is the treatment to keep the HIV virus in check. It is a therapy that robustly improves the life expectancy and quality of life of those suffering with HIV.  And the risk that insurance companies underwrite by taking on HIV-positive clients has been lowered vastly across the population with ART, says the Department of AIDS Control (DAC), formerly known as NACO. Insurance companies have to stop treating HIV as a deadly disease and must come up with policies especially for people who suffer HIV.

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