Stigma and discrimination continue to be the challenges of People Living with HIV (PLHIV) in India . With the advancement in HIV management such as antiretroviral therapy available for free in the country, life of people living with HIV can be prolonged substantially and they can lead a productive life. It is estimated that 2.4 million people live with HIV in India . While countries such as South Africa with high adult HIV prevalence of over 15 per cent have taken measures to mainstream HIV through commercial insurance cover, with a low prevalence of 0.31 per cent, insurance sector in India still perceive HIV as a non-insurable risk and is yet to take major steps towards mainstreaming HIV in insurance. HIV remains as an exclusion in almost all health and life insurance products in India
PSI Worldwide
