Is there insurance for AIDS?

Whether AIDS is covered by insurance depends on the insurance clauses of the products you choose. Generally speaking, many insurance products on the market do not provide protection against AIDS. For example, HIV-infected people are unlikely to successfully insure critical illness insurance, medical insurance and life insurance because they do not meet the health notification of products.

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For example, most of the critical illness insurance is exempt from AIDS, but some critical illness insurance will compensate for AIDS infected under special circumstances, such as HIV infection caused by blood transfusion, organ transplantation or professional relations (doctors, nurses, etc.). ), so when you buy critical illness insurance, you must carefully read the disclaimer of the product.

As for accident insurance, it protects accidental injuries, and most accident insurance products have no health requirements for the insured, so it is not necessary to tell whether they are AIDS patients when purchasing, and the exemption clause does not mention the accident insurance that AIDS patients do not pay claims. As long as the insured meets the insurance requirements, they can be insured.

If you are not clear about the exemption clause, you can read this article: What is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!

Speaking of health advice, the seniors here must remind everyone that health advice must not be faked. What the insurance company asks, we will answer truthfully, and we can't hide our real situation. However, we don't have to ask questions that the insurance company didn't ask. Mainly in accordance with the principle of "answer questions, don't ask questions" to inform health. Once the health notification is detected by the insurance company, the consequences will be very serious, ranging from refusing to pay compensation to being blacklisted, and no insurance products can be insured in the future!

In order to help you better deal with the problem of health notification, senior sister has prepared this guide to health notification and recommended it to you: What are the tips for health notification when you are insured?

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