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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.
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∙ 12y ago
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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 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 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.
Can a person living with HIV get life insurance?
So far no
Can you take out a life insurance policy on your mom if she has HIV?
This may be possible - but it would be most likely a quite expensive life insurance policy.
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.
What does a reactive HIV test mean?
It means that the test was positive for HIV.
Would you consent to HIV test?
ABSOLUTELY. It could possibly save your life.
Does the HBsAG test for HIV?
No, HBV testing does not test for HIV.
Is a HIV test a medical examination?
No the HIV test is not a medical examination. It is a blood test.
Can a false positive HIV test make your insurance go up?
In the UK it is no longer legal for an insurance company to do this but this may vary depending on where you leave and how that company operates.
What life insurance companies take hiv persons?
I am not aware of any legitimate life insurance companies that will insure someone with HIV. Be aware of the companies that offer guarantee issue policies. These are basically scams. The premiums are very high for any decent amount of coverage and no benefits are payable for the first two years. If you add up the payments you will find that you will have paid the total insurance amount by the two year mark and you have to keep paying. You are better off putting the premiums in a bank account or mutual fund than guaranteed issue. 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.
