Life insurance is an essential cover that takes care of your family when you are no longer around. Apart from the benefits to your loved ones, life insurance is also necessary if you want to access a large amount of credit like a home loan. However, being HIV positive means that you may not qualify for conventional life insurance. Fortunately there are now products specially designed for people living with HIV/AIDS.
People living with HIV have the same reproductive rights as any other person and it is not uncommon for an HIV positive man or woman to consider having a child despite the risks associated with conception. However, women who are HIV positive and planning to fall pregnant or women who are negative but wanting to conceive with a partner who is HIV positive have much to consider before conception. The priority is a healthy pregnancy without transmitting the infection to the child and this is achievable with effective HIV management.
Medical aid cover is open to a person who has been diagnosed as HIV positive and in most instances, there is no additional cost for the benefits. Most medical aids in South Africa do have strict exclusion policies where any pre-existing chronic condition will not be covered in the first year of joining the medical aid – the same may apply for HIV/AIDS. However, after this exclusion period, you will enjoy the full benefits of medical aid cover with special programs for HIV/AIDS patients ensuring that you get the best care.
