Protection towards PLHIV offered by a general insurance contract
The majority of Hong Kong insurance contracts clearly state that, treatment or tests that relate to AIDS or HIV are excluded from their coverage, which includes HIV treatment or any AIDS Related Complex (ARC), etc. In other words, the treatment associated with HIV would not be covered.
Situation 1:
I do not have an insurance contract at the moment.
In Hong Kong, since insurance companies do not accept applications from People Living with HIV (PLHIV) , HIV+ people cannot purchase life insurance, critical illness protection, medical insurance and hospital insurance as they require the declaration of their health condition. HIV+ people can only purchase insurance contracts which do not require the applicants to declare their health condition, such as saving insurance.
Because the life expectancy of HIV+ people who have good drug adherence and people without HIV is similar, medical care is equally important to HIV+. We recommend HIV+ to prepare their medical care instead of relying on life insurance/critical illness protection/medical insurance/hospital insurance in case of emergency.
Because the life expectancy of HIV+ people who have good drug adherence and people without HIV is similar, medical care is equally important to HIV+. We recommend HIV+ to prepare their medical care instead of relying on life insurance/critical illness protection/medical insurance/hospital insurance in case of emergency.
Situation 2:
I do not have an insurance contract at the moment.
In Hong Kong, since insurance companies do not accept applications from People Living with HIV (PLHIV) , HIV+ people cannot purchase life insurance, critical illness protection, medical insurance and hospital insurance as they require the declaration of their health condition. HIV+ people can only purchase insurance contracts which do not require the applicants to declare their health condition, such as saving insurance.
Because the life expectancy of HIV+ people who have good drug adherence and people without HIV is similar, medical care is equally important to HIV+. We recommend HIV+ to prepare their medical care instead of relying on life insurance/critical illness protection/medical insurance/hospital insurance in case of emergency.
Because the life expectancy of HIV+ people who have good drug adherence and people without HIV is similar, medical care is equally important to HIV+. We recommend HIV+ to prepare their medical care instead of relying on life insurance/critical illness protection/medical insurance/hospital insurance in case of emergency.
狀況三 : 我已投保一份醫療保險
在得悉我感染愛滋病後，如不告知保險公司
保險公司可否拒絕賠償相關醫療費用？
你應細閱醫療保險的條款，以確認 (i) 愛滋病是否受保及 (ii) 你在受保期間是否需要向保險公司披露任何健康狀況的改變。部分醫療保險有特定條款要求保單持有⼈或受保⼈均要如實披露任何健康狀況的改變。
此外, 市場上有些醫療保險產品對愛滋病相關之醫療費⽤的賠償亦設有條件限制。例如, 保險公司可明文規定如受保⼈在保單⽣效⽇起計某段時間內發病，但無法證明初次感染的時間，保險公司將視受保⼈於保單⽣效⽇前已患上愛滋病，並有權拒絕賠償相關之醫療費⽤。
在得悉我感染愛滋病後，如不告知保險公司
保險公司可否拒絕賠償相關醫療費用？
你應細閱醫療保險的條款，以確認 (i) 愛滋病是否受保及 (ii) 你在受保期間是否需要向保險公司披露任何健康狀況的改變。部分醫療保險有特定條款要求保單持有⼈或受保⼈均要如實披露任何健康狀況的改變。
此外, 市場上有些醫療保險產品對愛滋病相關之醫療費⽤的賠償亦設有條件限制。例如, 保險公司可明文規定如受保⼈在保單⽣效⽇起計某段時間內發病，但無法證明初次感染的時間，保險公司將視受保⼈於保單⽣效⽇前已患上愛滋病，並有權拒絕賠償相關之醫療費⽤。
保險公司可否拒絕賠償相關醫療費用？
你應細閱醫療保險的條款，以確認 (i) 愛滋病是否受保及 (ii) 你在受保期間是否需要向保險公司披露任何健康狀況的改變。部分醫療保險有特定條款要求保單持有⼈或受保⼈均要如實披露任何健康狀況的改變。
此外, 市場上有些醫療保險產品對愛滋病相關之醫療費⽤的賠償亦設有條件限制。例如, 保險公司可明文規定如受保⼈在保單⽣效⽇起計某段時間內發病，但無法證明初次感染的時間，保險公司將視受保⼈於保單⽣效⽇前已患上愛滋病，並有權拒絕賠償相關之醫療費⽤。
