Income protection

Published: 19 August 2013
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Income protection insurance covers loss of income through injury, illness or disability and, in some cases, unemployment. The policy pays a monthly tax-free income until the policyholder recovers.

Can you take out an income protection policy if you have HIV?

Again, no. If someone has tested positive for HIV, they won’t be able to get an income protection policy.

Income protection policies taken out before an HIV-positive diagnosis

If an income protection policy was taken out before the policyholder contracted HIV, they may be covered. Some income protection policies do not exclude HIV and the policyholder will be able to claim if they are unable to work due to an HIV-related illness.

However, some income protection policies exclude HIV and so won’t pay out if the policyholder is unable to work due to an HIV-related illness.

Other income protection policies provide some HIV cover, but only pay out if the policyholder contracted HIV through certain types of employment, through blood transfusion or through physical assault.

Therefore if someone has an existing policy, it’s important to check the conditions and exclusions to find out whether HIV is covered.

This content was checked for accuracy at the time it was written. It may have been superseded by more recent developments. NAM recommends checking whether this is the most current information when making decisions that may affect your health.
Community Consensus Statement on Access to HIV Treatment and its Use for Prevention

Together, we can make it happen

We can end HIV soon if people have equal access to HIV drugs as treatment and as PrEP, and have free choice over whether to take them.

Launched today, the Community Consensus Statement is a basic set of principles aimed at making sure that happens.

The Community Consensus Statement is a joint initiative of AVAC, EATG, MSMGF, GNP+, HIV i-Base, the International HIV/AIDS Alliance, ITPC and NAM/aidsmap
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This content was checked for accuracy at the time it was written. It may have been superseded by more recent developments. NAM recommends checking whether this is the most current information when making decisions that may affect your health.

NAM’s information is intended to support, rather than replace, consultation with a healthcare professional. Talk to your doctor or another member of your healthcare team for advice tailored to your situation.