Pulse Insurance has announced that it is to offer life cover to individuals who are HIV positive. Many life insurance providers are reticent to provide cover to people with diagnosed conditions or viruses, but the insurance provider has announced it is to offer a policy which offers up to £200,000 of accidental death cover and either £10,000 or £25,000 life cover without the need for a medical examination or doctors report.

 

Furthermore, the life cover policy can be activated within a few days, rather than the several months which may forms of life cover take to put in place. The cover, named Harbour, runs for ten years and is available to all UK citizens, meaning many of the estimated 83,000 people currently living with HIV in the UK will be covered by life plans something not previously available from most insurance providers.

 

Managing Director of Pulse, Paul Sandilands, commented that individuals with HIV should not be required to conduct rigorous medical examinations in order to be eligible for life insurance, insisting that they should enjoy the same rights as any UK citizen.