Life and Disability Insurance for People with or at Risk of HIV: Aligning Policy with Evidence.
acquired immune deficiency syndrome (AIDS)
antiretroviral therapy (ART)
human immunodeficiency virus (HIV)
people with HIV (PWH)
preexposure prophylaxis (PrEP)
Journal
Journal of insurance medicine (New York, N.Y.)
ISSN: 0743-6661
Titre abrégé: J Insur Med
Pays: United States
ID NLM: 8401468
Informations de publication
Date de publication:
01 Jul 2024
01 Jul 2024
Historique:
medline:
28
5
2024
pubmed:
28
5
2024
entrez:
27
5
2024
Statut:
ppublish
Résumé
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.
Identifiants
pubmed: 38802086
pii: 500920
doi: 10.17849/insm-51-1-25-28.1
doi:
Substances chimiques
Anti-HIV Agents
0
Types de publication
Journal Article
Langues
eng
Sous-ensembles de citation
IM
Pagination
25-28Informations de copyright
Copyright © 2024 Journal of Insurance Medicine.