ReFlections Underwriting Newsletter September 2016
This edition of ReFlections offers essential reading on two very timely topics - insurance considerations given the changing status of HIV/AIDS and the use of patient-generated health data. This issue also describes new investigations supported by the Longer Life Foundation, RGA's joint foundation with Washington University School of Medicine in St. Louis.
Insuring HIV-Positive Lives in Europe - No Big Deal?
Around 2.5 million people in Europe are living with HIV.1 The overall prevalence is 0.3% compared to 5% in Sub-Saharan Africa.2 Most European countries have been working to combat the HIV epidemic since the early 1980s. As a result, mortality from AIDS in Europe has steadily decreased since 2001.3 But does this mean that the crisis is really over? And what does this imply for the insurance industry?