This means people using PrEP can get a full range of insurance covers;
It's now all available to Australians taking PrEP - stigma and attitude free - through the specialist financial advisers behind unusualrisks.com.au
You may have already heard about PrEP or perhaps you're looking for more information about how it affects your chances of getting Life Insurance or Income Protection cover?
Either way, PrEP is a medical breakthrough that's already playing a vital role in the efforts to end HIV by 2020. Now the medication is listed on the PBS (Pharmaceutical Benefits Scheme), just about anyone can now get on it.
Taking PrEP is a highly effective medication for preventing exposure to HIV.
In a nut-shell:
Whether exposure to HIV is through sex or needlestick injuries, there are many people using PrEP to prevent them being exposed to HIV and taking control of their sexual health and future wellbeing.
In Australia, approximately 30 needlestick injuries per 100 beds occur per year. At least 18,000 healthcare professionals suffer from an NSI every year. And 80% of reported NSIs involve a contaminated needle. The Alliance for Sharps Safety and Needlestick Prevention in Healthcare
Research shows that the medication used for PrEP is highly effective at preventing HIV transmission among these population groups.
You can learn more about PrEP here.
Up until now, Australian's taking PrEP have faced uncertainty, stigma and discrimination from Life Insurance companies towards the use of PrEP (and routinely find they also have to be the educator about PrEP).
Most insurance companies and super funds simply do not provide underwriting for people with unusual occupations, hobbies, pastimes or lifestyles - if you get what we mean.
That's why people use the expertise of unusualrisks.com.au to get their insurances sorted - stigma-free.
The New York Times broke the story of Dr. Philip Cheng, a urologist in Boston taking PrEP and being denied full insurance cover until he stopped taking, Truvada (the pharmaceutical brand name for PrEP) to prevent HIV infection.
Today as many people get their news from the internet, the growing risk is it may not always be relevant in Australia.
Many American Life Insurance companies take a discriminatory approach to how they underwrite the use of PrEP and outright deny any form of insurance coverage.
Many Australian Life Insurance companies and Super funds formerly decline applications for insurance by people using PrEP and discriminate in a similar way against people with well managed HIV or Diabetes.
The good news is Australian's using PrEP and who need Life Insurance or Income Protection, now have a clear pathway to getting their cover sorted - stigma and discrimination free - through unusualrisks.com.au
The onset of Type 1 Diabetes mellitus (T1DM) occurs most frequently in people under 30 years, however, new research suggests almost half of all people who develop the condition are diagnosed over the age of 30.