Underwriting Focus 2015, No. 1
Issue: May 2013 |
L/H General Industry,
By Claudia Breuer, Life/Health Senior Underwriter, Cologne
Ross Campbell, Life/Health Chief Underwriter, Research & Development, London
Kelly Franks, Account Management Team, Johannesburg
PD Dr. Clara Lehmann, University Hospital, Cologne
Silke Naumann, Senior Underwriter, Cologne
Irene Ng, Regional Chief Underwriter and Head of Claims, Singapore
Sandy O'Mahony, Chief Underwriter, Johannesburg
Annika Tiedemann, Head of Underwriting Research, Cologne
Since the introduction of antiretroviral therapy (ART), the life expectancy of HIV-positive people has gradually increased, particularly in high-income countries. As a result, insurance companies see more and more applicants with an HIV infection and need to adapt to this new situation. Despite the better life expectancy, HIV remains a serious public health concern. Recently, incidence rates have been rising again in various countries and patients have a poor prognosis if they are being diagnosed too late. Insurance companies around the world have started offering cover to HIV-infected people. Some companies are even introducing tailor-made products for this new target group.
The current edition of Underwriting Focus gives an overview of HIV treatment recommendations and medical advances and evaluates the prospects of a cure for HIV in the future. Subsequently, the underwriting implications are discussed from three different regional perspectives: Europe, Asia and South Africa.
Browse the Contents in this publication.