HIV and Hepatitis C and B Coinfetions
Around 36 million people are living with HIV in the world today (LVWH). 5 million of them are also infected with the hepatitis C virus (HCV) and 4 million with hepatitis B virus (HBV). In both cases, HIV and the immunodeficiency it causes, accelerate the progression of hepatitis B or C, inducing increased morbidity and mortality for all three infections.
Underwriting the Hepatitis B Risk: Chronic vs. Carrier
Underwriting Hepatitis B can be challenging. Hepatitis B is acquired and spread in a variety of ways. As underwriters, we may never know how an individual was exposed to the virus. Hepatitis B is acquired as a result of exposure to blood or blood products.