Can AIDS Patients Buy Insurance? Can They Get Claims?

This Saturday is the 39th anniversary of the discovery of the first case of AIDS, which means that the human have fought against the disease for nearly 40 years.

Although everyone has heard of AIDS, but in fact, some friends still don’t know what is AIDS exactly, do not know if insurance will claim for AIDS. Do not worry, I'll tell you today.

1. Why is AIDS called AIDS?

In fact, the full name for AIDS is called "Acquired Immunodeficiency Syndrome."

HIV is a microorganism too small to be seen through a common microscope. When it enters the body, it directly invades the body's immune system, interferes and destroys lymphocytes with an anti-infective ability, reduces the body's ability to resist disease, gradually loses the body's ability to protect the body from bacteria or viruses, and prevents the immune system from removing all these life-threatening bacteria. As a result, AIDS patients can be very vulnerable. Some bacteria and viruses that do not cause disease in normal people can multiply and cause infection. A benign illness in a normal person can become a serious and difficult to cure in a person. The World Health Organization (WHO) has noted a recent 2019 report on HIV resistance, noting an increase in drug resistance from two key anti-HIV drugs, Efavirenz and Nevirapine.

What does that mean?

According to the law, Vellen and Nevirapine are key anti-HIV drugs, and increased drug resistance in the population means that the original drugs are not working, making it increasingly difficult to fight AIDS.

2. How can HIV infection be prevented?

Although the human fight against AIDS is nearly 40 years old, so far no effective vaccine has been found and no definitive cure has been found. Prevention is therefore the best way to stay away from HIV. What should be done? Please:

Do not take drugs in any ways

Careful acceptance of blood transfusions and blood products;

Do not share needles, needles, gauze, cotton and other utensils with others;

Do not disinfect unqualified medical facilities or other places for injection, dental extraction, tattoos, eyebrows, acupuncture or surgery;

Avoid contact with the injured person's blood, body fluids or secretions during daily life or rescue;

Do not share with others the potential to puncture skin utensils, such as toothbrushes, shavings and electric razors.

If you have these behaviors and you find yourself at risk of contracting AIDS, please grab the "blocking" golden moment and take anti-lock medications within 72 hours of high-risk behavior.

If you suspect they have AIDS, you may have AIDS screening qualifications from medical health facilities to obtain screening services.

Although AIDS is not yet curable, but if there is high-risk behaviour, the best treatment is to detect infection as soon as possible and regulate the use of antiviral drugs.

3. When you infected HIV, can you buy insurance?

     If HIV infection is confirmed before purchasing insurance, it is essentially out of reach of insurance (in this case, insurance means critical health insurance, medical insurance, life insurance).

So, if you have already bought insurance, the insurance time online with the health notice, but if later accidentally infected with AIDS, the insurance will also pay?

Let’s look at different types of insurance

1. Will the serious illness insurance claim ?

Different products are treated differently, and we can find the answer in terms of insurance.

For example, the liability exemption clause for a serious health insurance product mentions: The insured person infected with HIV or aids during the insurance accident (the contract agreed by blood transfusion, due to occupational relations, due to organ transplantation caused by HIV or AIDS infection, except) we do not assume the responsibility of paying insurance premiums and insurance premiums.

So what it means is AIDS patients suffer from a mild or serious illness, there is no way to get a salary for a serious illness; AIDS caused by blood transfusions and industrial relations, suffering from serious/mild illnesses, can be paid for serious illnesses; If there is a death penalty for life in life because of the death of AIDS, then you will also pay the insured amount. We must remind you that many people infected with AIDS can be innocent victims, such as: THE AIDS due to blood transfusions; Work-related relationships, such as doctors, nurses, police officers, prison guards, etc.; Transplants. For these innocent people, different serious illness insurance will also have different treatment methods, we can pay attention to screening when buying.

2. Will the medical insurance claim?

If, in accordance with the health notice to purchase medical insurance, the latter fruit suffering from AIDS, how should it be handled?We know that the threshold for medical insurance claims is low, so the thresholds for health notices and exemption clauses are stricter.Most products are exempt from liability in the terms, explicitly written because of the medical costs induced by AIDS, insurance companies do not bear the responsibility of compensation.

3. Will the life insurance claim?

Life insurance is based on the death of the insured as a condition for compensation, so according to the vast majority of life insurance on the market, as long as no murder fraud insurance, not to be carried out, uninsured within two years of suicide, the rest of the reasons can be paid. The death of AIDS is no exception.

4. Write at the end

Enter the word "AIDS" into any search engine and you'll find many vivid cases, with countless people telling stories of themselves and AIDS with frustration, self-blame, and despair.Some are not deeply involved in the world of students, some are treating AIDS patients who hide the doctor's disease, and even the unfortunate shady blood donation cross infection of new social people ... ... Our eyes sparse ordinary life, in the eyes of every AIDS is a luxury. For this reason, I hope you can cherish ordinary life, but also happy in front of us. Get away from AIDS and cherish yourself.