Sanlam : Two Decades of Turning the Tide on HIV/AIDS

HIV-positive individuals have nuanced financial considerations to keep in mind. Firstly, medical aids are legally required to support HIV-positive individuals as part of the Prescribed Minimum Benefits (PMB). This ensures access to essential health services, including HIV treatment, regardless of the chosen benefit option. Individuals without medical aid can access free treatments like antiretroviral treatment (ART).

Additionally, gap cover is an essential supplement to medical aid, covering excess costs not covered by standard medical aid plans. Furthermore, incorporating elements such as disability cover is recommended for income protection in unforeseen circumstances. Fortunately, individuals with HIV can access life cover and other financial services without facing discrimination, similar to any other well-managed chronic condition.