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Fracastoro and the prognosis of applicants with HIV
Objectives:
Discuss the relevance of the study "Trends in mortality of insurance applicants with HIV infection" by highlighting the key elements for underwriting HIV-positive life insurance applicants.
Methods:
Discussion on the basis of a comparison of HIV with syphilis, as presented by Giralmo Fracastoro; and by comparing HIV prevalence in applicants and the background population.
Results:
As with syphilis, adherence to therapy is a key element; different from syphilis is the importance of co-morbidity. The prevalence in life insurance applicants remains stab, while the prevalence in the population increases.
Conclusions:
The self selection of applicants with co-morbidity is the major reason for the continuing high relative mortality of HIV-positive applicants.
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