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Can you take out a life insurance policy on your mom if she has HIV?
Wiki User
∙ 13y ago
This may be possible - but it would be most likely a quite expensive life insurance policy.
Wiki User
∙ 13y ago
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Why was HIV excluded from insurance policies?
You can not buy Life Insurance if you have HIV because it is a disease that can kill with no known cure. There is the option to buy a Guaranteed Issued policy if you can afford the premiums.
Can you take out a small life policy being HIV positive if you live more than 3 years after you take out the policy?
Yes. Contact me and I will get you started. 4LifeGuild
Can a person living with HIV get life insurance?
So far no
Do insurance companies need a written consent from patients to learn their HIV status?
No, there is no privacy when you have insurance. If you get treatment or testing for something medical and it is covered by insurance. The insurance company will know anything related to that. However the HIPPA law that was inacted prevents them from telling anyone else. No. Insurance companies must make the applicant aware they will be testing for HIV, provide general information to them and have the applicant sign a written informed consent. Health insurance (including hospital, medical, and surgical expense coverage) cannot be denied simply because the applicant is HIV positive. However, disability and life insurance companies are allowed to ask applicants if they have been diagnosed or treated for AIDS or ARC, and deny coverage or charge other than a standard premium for the policy based on the answer. While they may not ask if an applicant has ever had a positive HIV test, they can require an HIV test as part of the company's underwriting rules before issuing a policy.
Do life insurance companies report HIV status to department of public health?
No, life insurance companies do not report HIV status findings to public health departments but will report their findings to whom you authorized them to when you signed the medical information release form.
Do life insurance companies test for HIV?
Yes, life insurance companies do test for HIV. However, some life insurers may provide coverage for people with HIV. Depending on the insurer and amount of coverage, you may or may not be tested. However, you will have to answer health questions which usually ask about HIV.
Do met life life insurance companies test for HIV?
I believe they cant not test for hiv because its against the law . Answer is No This answer is not correct. The do test for HIV and most likely will not offer any type of life insurance if you test positive. There is not law prohibiting them from testing. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
How much does a one-million-dollar life insurance policy cost?
It depends on the insurance company and it also depends on rather or not the person whom you are trying to get insured was a smoker, drug user, or had HIV/AIDS. You can not get a policy without the insured knowing it. They must pass a health screening. That is what determines your quote. These online insurance companies can't really tell you anything with their online quotes. But if you are really serious then you would need to contact a insurance salesman or some sort of agent. They say, the typical million-dollar policy is around $250. Not affordable for the average person. And also remember that you have to have a reason for wanting a large policy like that to begin with. That type of policy will not be given to the average person who's gross income is $25K yearly. They would offer a person like that a normal life insurance policy. You must have reason for wanting one.
Does health insurance lower the cost of HIV medicine?
This depends on the type of insurance you have. If HIV medications are covered in your insurance plan, then the cost is lower for you; the insurance company will pay for a percentage of the price of the medication.
What are the chances of recovering from AIDS?
there is no medical proof of recovering from HIV/AIDS. However there are still questions that are not adequately answered like, like how long does HIV take over completely after infection? but once you are HIV positive, there is no way of recovering
Do any major companies offer life insurance with no medical exam upfront?
llk-It all depends on your age and the amount of policy you are applying for. If you are getting the policy through an employer they will offer a basic amount you can get without any exam but one is required if the amount goes over a certain threshold. Most individual policy written does require an exam to rule out any pre-existing condition like HIV.
An applicant for insurance has been asked to submit to an HIV test. This is legal if?
Answer: The test is only in conjunction with tests for other conditions. In Ohio, an insurer may require an applicant for coverage under the policy to submit to an HIV test only in conjunction with tests for other health conditions.
