People living with HIV continue to face barriers to accessing both protection and general insurance, despite improvements in availability over the past decade, a major new report from NAT (National AIDS Trust) has warned.
One in four (25%) people living with HIV have been refused a financial product or quoted an unaffordable premium in the last five years, the report found. Many insurance products, such as income protection insurance and critical illness cover, remain completely unavailable to people living with HIV, the report highlighted. Life insurance that does not automatically exclude people living with HIV has been available since 2009. Most insurers now offer term life insurance that is inclusive of people living with HIV, though terms and conditions vary considerably. The report reminded re...
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