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HIV and Insurance
Welcome to The Insurance Surgery's page that is specifically designed for clients who suffer from HIV.
The Insurance Surgery specialise in obtaining financial services
for clients with HIV.
Whether you are looking for Life Insurance, Travel Insurance,
Income Protection Insurance or would just like to obtain
information we will do our utmost to help.
We also offer information on Impaired Life Annuities and Care Home
Insurance Plans for clients with HIV.
If you suffer from HIV and you require a quotation for life
insurance please note that we guarantee to obtain the most
competitive life insurance quotes on the market.
Below is our summary of how HIV may affect your insurance
needs.
HIV and Life Insurance
If you suffer from HIV and you wish to apply for life insurance it may be possible to secure you cover with an increase in premium, however there is also a very strong possibility of being declined. It will therefore be necessary to obtain full details of your HIV to obtain a definite quotation for life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain life insurance.
HIV and Critical Illness Insurance
If you suffer from HIV and you wish to apply for Critical Illness Insurance it may be possible to secure you cover with an increase in the premium, however there is also a very strong possibility of being declined. We may, in certain circumstances, be able to arrange cover with exclusions relating to HIV. We would need to obtain full details of your HIV to obtain a definite quotation for Critical Illness Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain Critical Illness Insurance.
HIV and Income Protection Insurance
If you suffer from HIV and you wish to apply for Income Protection Insurance it may be possible to secure you cover with an increase in the premium, however there is also a very strong possibility of being declined. We may, in certain circumstances, be able to arrange cover with exclusions relating to HIV. We would need to obtain full details of your HIV to obtain a definite quotation for Income Protection Insurance Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain Income Protection Insurance.
HIV and Travel Insurance
If you suffer from HIV and you wish to apply for travel insurance it may be possible to secure you cover at ordinary rates or with an increase in either the premium or medical excess on the policy. It will however be necessary to supply full details of your HIV to a medical screening line to obtain a definite quotation for travel insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain travel insurance.
HIV and Private Medical Insurance
If you suffer from HIV and you wish to apply for Private Medical Insurance it is highly unlikely that you will obtain cover for your HIV or any other pre existing medical condition. It will however be necessary to obtain full details of your HIV to obtain a definite quotation for Private Medical Insurance. If you wish to obtain cover for your pre-existing condition we would suggest considering our Health Cash Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain Private Medical Insurance.
HIV and Impaired Life Annuities
If you suffer from HIV and you wish to apply for an enhanced impaired life annuity it is probable that you will receive preferential rates. It will however be necessary to obtain full details of your HIV to obtain a definite quotation for an enhanced impaired life annuity. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain an enhanced impaired life annuity.
HIV and Care Home Insurance Plans
If you suffer from HIV and you wish to apply for a Care Home Insurance Plan it is probable you will receive preferential rates. It will however be necessary to obtain full details of your HIV to obtain a definite quotation for a Care Home Insurance Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client with HIV will obtain a Care Home Insurance Plan.
HIV and Keyman Life Insurance
If you have HIV and you wish to apply for Keyman life insurance it may be possible to secure you cover with an increase in premium. It will however be necessary to obtain full details of your illness to obtain a definite quotation for Keyman life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who has HIV will obtain Keyman life insurance.
FOLLOW THE INSURANCE SURGERY LTD:
© 2010 The Money Surgery Ltd | The Money Surgery Limited is registered in England No. 07028695
www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required. (see terms for full details)