It is estimated that 2.27 million people live with HIV in India translating to an adult prevalence of 0.29 in 2008. The roll out of ART in public health settings in 2004 and the subsequent scale up has brought more than 300,000 eligible people living with HIV/AIDS (PLHIV) under treatment as in 2010. However, out of pocket expenses for accessing quality healthcare services have been a challenge for PLHIV in India who also bear the brunt of stigma and discrimination from healthcare providers.
Star Netplus, the first commercial group health insurance product, was facilitated by Project Connect led by Population Services International in 2008 in partnership with Star Health and Allied Insurance Company Limited and Karnataka Network of People Living with HIV/AIDS. The number of policy holders has expanded from 258 PLHIV in Karnataka in 2008 to more than 7000 PLHIV from Andhra Pradesh, Tamil Nadu, Karnataka, Maharashtra and Kerala with an annual renewal rate of more than 80 percent in 2010 indicating the demand for insurance among PLHIV.
Project Connect aims to build value added models of public private partnerships to mitigate HIV and AIDS in India. Connect is funded by the United States Agency for International Development (USAID) under the President’s Emergency Plan for AIDS Relief (PEPFAR). One of the key strategies of Connect is engaging the insurance sector in India for insurance solutions for PLHIV. Read the attached policy brief to find out more about the role of insurance sector in India in mainstreaming HIV and AIDS.