Tamil Nadu - Salem   

Pilot insurance scheme for people living with HIV/AIDS

SALEM: At a time when insurance corporations balk at the idea of providing life cover to people who are living with HIV and AIDS (PLHAS), a micro insurance project of mutual participation, devised by the non-governmental organisation Project Concern International (PCI) and Care India and named ‘Jeevodhayam,’ has been floated.

A press release from PCI says that a recent study among the PLHAS has shown that their life expectancy has increased after ART support.

Jeevodhayam is important for financing the mortgage of PLHAS and to ensure social security requirements.

The project is a pilot programme thus insuring the lives of PLHAS through a micro Insurance programme with a mutual model. The program targets 2,000 PLHAS in the pilot phase.

The study reveals that survival versus mortality rate of a group of 2,312 PLHAS registered in Salem was analysed from September 2003 to September 2008.

Mortality rate among the PLHAS is found to be reduced from 54 per cent to 10.75 per cent during this period. On the basis of sufficient statistical material net life insurance premium is calculated.

The formation of this mutual committee in order to implement this Micro-Insurance scheme among the PLHAS is to be closely monitored and to be scaled up in near future.

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