HIV - from fatal to chronic disease
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HIV – from fatal to chronic disease

Expanding insurability

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    Evidence-based risk assessment for HIV

    HIV infection has transformed from a fatal illness with an extremely high death toll to a highly treatable chronic disease. Thanks to steady medical progress in the past decades, today people living with HIV can be successfully treated. Mortality and morbidity rates have decreased sharply.

    However, this positive development is not yet reflected in the insurance world. Despite good treatment options, people living with HIV are still excluded from certain insurance solutions, such as occupational disability insurance.

    Therefore, a revision of HIV underwriting guidelines is absolutely necessary. And that's what we have done.

    For the first time, MIRA enables evidence-based risk assessment for people living with HIV for all product lines.

    Dr. Alban Senn
    MIRA now enables our clients to conduct evidence-based risk assessments for all Life insurance coverages for people living with HIV. Through our collaboration with "The Danish Cohort Study", we have access to one of the world's most comprehensive and well-documented HIV registries and can provide in-depth life insurance-specific analysis to extend insurability.
    Dr. Alban Senn
    Chief Medical Officer, Head of Medical Research and Development

    Setting standards with MIRA

    We have aimed to be future-proof in a challenging regulatory environment and to enable and expand the insurability of HIV and other chronic conditions. The evidence-based insights from our in-depth data analysis have been incorporated into MIRA's updated rulebook and are now available to our clients.

    Would you like to learn more?

    Then, download our MIRA Fact Sheet and Risk Review Paper highlighting the key features of the of the outstanding MIRA HIV Review.
    Matthew Bone
    We anticipate future regulations and push the boundaries of insurability for HIV and other chronic diseases. In doing so, we  proactively set standards in risk assessment and prove our commitment to a more inclusive and responsible society.
    Matthew Bone
    Head of Underwriting and Claims
    UK Life Branch
    A revision of the existing underwriting rules on HIV is urgent, not only because of medical progress. Ongoing change towards a more inclusive society calls for destigmatisation of vulnerable groups. Furthermore, increasing government regulations require a re-evaluation of existing rules and restrictions for people living with HIV.
    Javier Gracia San Roman
    The aim of our review is to offer our clients more than portfolio protection. We also want to help them strengthen their corporate social responsibility.
    Javier Gracia San Roman
    Chief Medical Officer
    Southern Europe and Latin America

    Your benefits

    Benefit from the updated MIRA guidelines today and expand insurability for people living with HIV.
    Protect your portfolio
    Assume corporate social responsibility
    Proactively anticipate upcoming regulations
    Conduct risk assessment as with other chronic diseases

    Downloads

    Contact our experts

    Contact
    Alban Senn
    Dr. Alban Senn
    Chief Medical Officer, Head of Medical Research & Development
    Mathias Orban
    Dr. Mathias Orban
    Medical Consultant
    Anne Zutavern
    Dr. Anne Zutavern
    Medical Consultant
    Simon Werner
    Simon Werner
    Head of Underwriting Life & Health
    Continental Europe (w/o Iberia, Italy, Malta) and Israel
    Contact
    Javier Gracia San Román
    Dr. Javier Gracia San Román
    Chief Medical Officer
    Southern Europe and Latin America
    Contact
    Matt Bone
    Matthew Bone
    Head of Underwriting and Claims
    Contact
    Gina Guzman
    Dr. Gina Guzman
    Vice President & Chief Medical Officer
    Munich Re Life US
    Tim Meagher
    Dr. Tim Meagher
    Vice President & Medical Director
    Munich Re, Canada (Life)

    Learn more about latest HIV insights from Munich Re Life North America