Access to insurance for people with HIV varies. We will collect and publish information on available insurance cover in Australia and assist people with HIV to have a better understanding of their rights and obligations when applying for insurance. We will also work with the Australian insurance industry to bring them up to date with the improving prognosis and life expectancy for people with HIV.

Life Insurance for pre-existing medical conditions

Travel Insurance for pre-existing medical conditions

Recent Work

In 2012, PLNSW met with the then Australian Human Rights Commissioner Graeme Innes and representatives from the Financial Service Council (FSC), supported by the National Association of People Living With HIV/AIDS (NAPWHA), the Australian Federation of AIDS Organisations (AFAO) and the HIV/AIDS Legal Centre (HALC) to begin a dialogue to improve the understanding of Australian life insurers about the current health reality of people with HIV and our need to access life insurance products.

In the light of recent highly effective anti-retroviral treatments (ART), HIV is now regarded as a chronic manageable condition and we can now expect a life span similar to our peers who are HIV-negative.

pdfHIV and Insurance, Australian Human Rights Commission159.49 KB – PLNSW representation


Frequently Asked Questions about HIV and insurance - Unusual Risks "We help people with Pre-Existing medical conditions get Life Insurance"

Life insurance and PLHIV - NAPWHA website

Medical advances help insurers open up to HIV patients - Life Insurance News

Guidelines for Providers of Insurance and Superannuation - Australian Human Rights Commission (updated 2005)

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Postal: PO Box 831, Darlinghurst NSW 1300

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