Am I covered by critical illness insurance if I contract HIV/AIDS?

Published 05 Jan 2016

In recent years, the stigma associated with HIV/AIDS has changed dramatically. It is no longer the elephant in the room that nobody wants to talk about.

As a result of high-profile examples and education campaigns, information about HIV/AIDS is now readily available for people around the world. However, despite these best efforts, the rate of infection is still high globally as well as in Australia.

According to statistics released as part of the 20th International AIDS Conference held in Melbourne last year, there are more than 25,000 Australians living with HIV infection. While the incidence rate is described as stable, at around 1,000 new cases a year, since there is no cure to the disease, people are left with this issue for the rest of their lives.

Modern medicine has progressed considerably in recent times meaning those with HIV/AIDS can live comfortably, however the impact of a disease such as this can’t be understated. It can affect employment opportunities, standards of living, financial positions and personal relationships. This is where critical illness insurance claims can be helpful.

Where is this applicable?

HIV/AIDS is a disease that can be contracted in many ways. However, it is important to note that only in cases of infection via operation or blood transfusion could a critical illness insurance claim be made.

To prove that this was the case, you will need to supply medical evidence from your doctor or other medical professional. A superannuation lawyer can assist during this process.

What can you gain from a claim?

As mentioned above, HIV/AIDS is classified as a critical illness. It is a disease that will never leave your body, but is treatable in many cases.

Having access to your superannuation at this moment can help cover medical bills, maintain your standard of living and ensure you keep your life as normal as possible. However, in some cases, your insurer will underpay you and you wouldn’t have enough money to cover your expenses.

A superannuation lawyer can help on your behalf and lodge a claim against your insurer. At Gerard Malouf, we have an outstanding history of success in these cases and are more than willing to help your personal situation.

For more information about making a superannuation claim in relation to HIV/AIDS, feel free to get in contact with our friendly team today. q

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