{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,4,3]],"date-time":"2025-04-03T04:22:07Z","timestamp":1743654127251,"version":"3.40.3"},"reference-count":39,"publisher":"American Academy of Insurance Medicine","issue":"1","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2015,1,1]]},"abstract":"<jats:sec><jats:title>Objectives<\/jats:title><jats:p>To ascertain the suitability of HIV-positive individuals for insurance coverage based on international data and practices.<\/jats:p><\/jats:sec><jats:sec><jats:title>Background<\/jats:title><jats:p>During the first decade of HIV epidemic, diagnosis of HIV-infection carried a poor prognosis. Since the introduction of Highly Active Anti-Retroviral Therapy (HAART or ART), HIV infection is more like other chronic diseases with infected individuals often living 20 or more years after the diagnosis of HIV infection<\/jats:p><\/jats:sec><jats:sec><jats:title>Methods<\/jats:title><jats:p>Review of peer-reviewed publications was undertaken to assess the risk of death in the HIV-infected population as a whole as well as subsets with favorable outcomes and those with additional comorbidities, such as co-infection with hepatitis viruses and drug use.<\/jats:p><\/jats:sec><jats:sec><jats:title>Results<\/jats:title><jats:p>Review of literature revealed that in well-educated, non-drug using individuals, negative for hepatitis B and C infection, who had CD 4 counts above 500\/cmm, viral loads below 500 particles\/mL, and were compliant with treatment, the mortality rate was similar to that of general population.<\/jats:p><\/jats:sec><jats:sec><jats:title>Conclusions<\/jats:title><jats:p>The risk of death, in at least a subset of HIV-positive subjects, is low enough that insurance providers should consider stratifying HIV-infected individuals according to mortality risk and offering insurance rates comparable to people with other diseases with similar mortality risks.<\/jats:p><\/jats:sec>","DOI":"10.17849\/0743-6661-45.1.34","type":"journal-article","created":{"date-parts":[[2015,11,9]],"date-time":"2015-11-09T18:16:46Z","timestamp":1447093006000},"page":"34-41","source":"Crossref","is-referenced-by-count":0,"title":["Suitability of HIV-Infected Subjects for Insurance"],"prefix":"10.17849","volume":"45","author":[{"given":"Gurmukh","family":"Singh","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Alan R.","family":"Salkind","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Robert 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