Can I get income protection with HIV?
Income protection for people living with HIV is now available from a growing number of UK insurers. For applicants on stable antiretroviral treatment with an undetectable viral load and no AIDS-defining illnesses, some insurers offer standard or near-standard terms with an HIV-related exclusion. Others may offer full cover. This is a specialist area where whole-of-market comparison is essential — terms vary enormously between providers.
How do insurers assess HIV for income protection?
Insurers review your full medical history — diagnosis date, current treatment, stability of the condition, and any time off work it has caused. The more stable your condition, the better the terms available.
What terms might be offered?
- Standard terms — if the condition is well-controlled with no recent work absences
- Exclusion — the condition excluded, all other causes of inability to work still covered
- Rated premium — higher premium reflecting additional risk
Is IP still worth it with an exclusion?
Usually yes — an exclusion only applies to the excluded condition. You're still fully protected against accidents, cancer, heart attack, and hundreds of other causes of inability to work.
Frequently Asked Questions
It depends on the insurer and severity. Some exclude hiv-related claims; others offer standard terms if it's well-controlled. Always compare multiple insurers.
Yes — an exclusion only applies to the excluded condition. All other causes of inability to work remain fully covered.