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Insurance coverage


In response to a need identified by the Program Committee and members, the CHS hired a summer student in 2009 to gather and publish information on three related topics:

- access to insurance (life, mortgage, travel, health insurance for overseas students, group) for people with bleeding disorders;
- federal and provincial government support programs and tax benefits for people with disabilities;
- an overview of the different compensation programs for blood-borne HIV and HCV infection created since 1989.

Below you will find three documents which resulted from this work. The dates of the most recent update are indicated next to each document.

We do not guarantee the accuracy or completeness of any information accessed through or published or provided by the CHS. People relying on this information do so entirely at their own risk. The CHS nor any of their employees, directors, officers or volunteers may be held liable for damages of any kind that may result from the use or misuse of any such information. Names of products are provided for information only. Their inclusion is not an endorsement of a particular product or company.



INDIVIDUAL INSURANCE COVERAGE   (11-11-2014)

TRAVEL INSURANCE COVERAGE    (13-11-2014)

PROVINCIAL DRUG INSURANCE   (02-09-2015)


Good news! Manulife to underwrite eligible Canadians who test HIV-positive

April 22, 2016 – The insurance company Manulife announced that it will now accept life insurance applications from people who have tested positive for the human immunodeficiency virus (HIV), the first insurer in Canada to do so.

Click here to read Manulife’s press release.

Sun Life offers coverage for people living with HIV

November 21, 2016 -  Sun Life Financial announces industry-leading underwriting and product changes: Enhancements include more than $3 million in available HIV life coverage and simplified application process for clients

Click here to read Sun Life’s press release.

Other links of interest:
http://insurance-journal.ca/article/sun-life-offers-coverage-for-people-living-with-hiv/

http://www.insurancebusiness.ca/ca/news/breaking-news/sun-life-overhauls-application-process-changes-the-way-it-calculates-risk-217479.aspx


The Canadian AIDS Society (CAS) produced a guide to help people living with HIV/AIDS understand and manage their insurance benefits. It is intended to give people living with HIV/AIDS a general understanding of health, disability and life insurance benefits and direct them to other sources of insurance-related assistance and information. Although the guide was prepared specifically for people living with HIV/AIDS, much of the content is also of value to anyone living with a life-threatening or chronic illness.

Here is the link to download the document:

www.cdnaids.ca/files.nsf/pages/hivaidsaguidetoinsurancebenefits14