HIV – from fatal to chronic disease

Expanding insurability

Evidence-based risk assessment for HIV

HIV infection has transformed from a fatal illness with an extremely high death toll to a highly treatable chronic disease. Thanks to steady medical progress in the past decades, today people living with HIV can be successfully treated. Mortality and morbidity rates have decreased sharply.

Deutsche Version

However, this positive development is not yet reflected in the insurance world. Despite good treatment options, people living with HIV are still excluded from certain insurance solutions, such as occupational disability insurance.

Therefore, a revision of HIV underwriting guidelines is absolutely necessary. And that's what we have done.

For the first time, MIRA enables evidence-based risk assessment for people living with HIV for all product lines.

MIRA now enables our clients to conduct evidence-based risk assessments for all Life insurance coverages for people living with HIV. Through our collaboration with "The Danish Cohort Study", we have access to one of the world's most comprehensive and well-documented HIV registries and can provide in-depth life insurance-specific analysis to extend insurability.

Dr. Alban Senn

Chief Medical Officer, Head of Medical Research and Development

Setting standards with MIRA

We have aimed to be future-proof in a challenging regulatory environment and to enable and expand the insurability of HIV and other chronic conditions. The evidence-based insights from our in-depth data analysis have been incorporated into MIRA's updated rulebook and are now available to our clients.

Would you like to learn more?

Then, download our MIRA Fact Sheet and Risk Review Paper highlighting the key features of the of the outstanding MIRA HIV Review.

Fact Sheet Risk Review Paper

We anticipate future regulations and push the boundaries of insurability for HIV and other chronic diseases. In doing so, we proactively set standards in risk assessment and prove our commitment to a more inclusive and responsible society.

Matthew Bone

Head of Underwriting and Claims

UK Life Branch

A revision of the existing underwriting rules on HIV is urgent, not only because of medical progress. Ongoing change towards a more inclusive society calls for destigmatisation of vulnerable groups. Furthermore, increasing government regulations require a re-evaluation of existing rules and restrictions for people living with HIV.

The aim of our review is to offer our clients more than portfolio protection. We also want to help them strengthen their corporate social responsibility.