AIDS patients who can be insured risk
  Premium rate will increase the risk of unemployment is not cold


AIDS discrimination in insurance policy holders who are currently being modified provisions.
 

Insurance Association of China released in the near future "personal insurance products in terms of some of the wording of the entry model" (hereinafter referred to as "Model formulation") for the responsibilities of the insurance contract from a modification to do a lot of them, the insurance company does not undertake insurance death benefits Terms of payment responsibility for the deletion of the "insured person infected with HIV or suffering from AIDS" situation.

It is understood that, at present, insurance companies in the personal insurance business, the more of "the insured person suffering from venereal diseases, AIDS," except as a responsibility. The reporters found that there was a Xinhua Life Insurance, health insurance will be the "health care workers infected with AIDS" as a product which covered one of 32 kinds of major diseases.

Is often the case that, if the insured has been diagnosed as AIDS patients or HIV carriers, nuclear security, when he adopted it would be difficult to policyholders are insurance; hide illness if the insured obtained the policy, the出险the future will be because of providing information and not factual, "the insured person infected with HIV or suffering from AIDS" and denied responsibility for the exception of claims.

Insurance Association of the Secretary-General on the amendments to Wang Chao said: "The Chinese government has invested in AIDS prevention and control a large number of resources, than the first on 'AI' the mere mention of the time has changed a lot. Practice has proved that its insurance companies underwriting the crowd the risks and the impact of not too obvious, and involves discrimination against AIDS patients, therefore, the trade association to amend the terms of the removed it. "

Disease Prevention and Control Bureau Ministry of Health related to our reporter in an interview that they are in support of amending the terms of this. "Our principle is that people do not want to AIDS discriminatory terms, we should put AIDS as a general treatment of the disease." The source stressed that, for example, the insured person出险accident, only because it is the lack of AIDS compensation, it is unconscionable, because it is a traffic accident, not disease. "Of course, if the problem is the disease can be a separate discussion."

Although the "Model formulation" to modify this, but the reporter found that the insurance company does not seem to have too much of this interest, and even some not in favor of this approach.

An industry that, although the incidence of AIDS is relatively low probability, but if this kind of insurance the responsibility of the disease, it can not guarantee the fairness of groups. He told reporters that if this advice is really to be implemented, the result is a corresponding increase in premium rates.

Foreign Trade and Economic Institute of the University, Professor Wang Guojun insurance, pointed out that from an actuarial point of view, adding this kind of insurance, the premiums will certainly improve. If the small collection of premium, insurance companies may be extracted from a number of management fees.

"Although considered by insurance companies with the industry associations and regulatory authorities have a certain gap, but the overall low incidence of AIDS, even taking into account the factors of adverse selection, insurance companies will not bring a large financial impact." Kingdom of the military said.

Above the industry told reporters that foreign insurance specifically for AIDS, the premise is to select customers.

For Disease Control and Prevention, according to the foregoing persons Council, the terms of the overall population, the incidence of AIDS is relatively low, but in special populations is very high. The key question is, this special population, that is dangerous to the crowd behavior of this group, it is difficult to identify. Therefore, if the introduction of specific virus carriers or AIDS patients of insurance, how to identify the distinction between high-risk groups is left to the insurance industry a problem. 


     ( 2009-07-17)