Lucky for you you've already found the Australian experts at unusualrisks.com.au who understand what's required to help people who use PrEP to manage their health, get their personal insurances sorted.
An increasing number of Australians are using PrEP to better manage their good health but still have uncertainty about how this can affect an application for a life insurance product.
You shouldn't be disadvantaged for being responsible.Drew Browne Founder UnusualRisks Insured
Here are the questions we'd be asking when you use our services to help get your insurances sorted.
When getting ready for an application for a life insurance product, you'll need to know the following;
And if you'd like to fast track the application process, if you have results of your recent blood test on hand, that might enable us to speed up the assessment process for you too.
We're glad you asked.
So if you're tired of continually having to be the medical educator to other people, we understand your frustration and would love to help you out with that.
And after you've found that person, it's also imperative that you are in fact forthright and upfront about your circumstances.
Lucky you have found unusualrisks.com.au
We’ll help you navigate the life insurance environment safely and keep your dignity intact.
Read more about Life Insurance for People using PrEP.
Sadly Yes. Many of our clients have faced this very avoidable problem.
In simple terms we try to explain it this way; ‘You can't buy a hot dog from a hamburger food chain - because hamburger chains just don’t sell hotdogs’.
Sadly many insurance companies simply won't tell you upfront what is not on their menu and many good people end up wasting good time going through a process that never had a chance of success in the first place. That's why you need a specialist insurance adviser from unusual risks.com.au to help you successfully navigate the insurance application process successfully.
Sexually Transmitted Infections (STI’s) are a separate health issue and if managed well, should not present a significant underwriting problem. We would usually like to know if this was a random or regular occurrence. (For example; 12 STI’s a year may indicate a more complex health history whereas 1 or 2 a year may be considered more straightforward). This is a separate health issue. Either way, this is why you need a specialist risk adviser from unusualrisks.com.au to help you navigate the process of getting insurance.
We treat PrEP like all other prescription medications. The standard questions during an application for insurance would include; How long have you used PrEP? Does your GP keep track of blood results, and Have you ever had any time off sick work because of it?
We treat PrEP like all other medications. The standard questions during an application would include; How long have you used it for? Does your GP keep track of blood results and have you ever had any time off work because of it.
No. PrEP drug trials or personal use should not affect your application for an insurance policy, as long as you use unusualrisks.com.au as your adviser to navigate the process for you.
No, not always. It can also depend upon the amount of cover you seek. If you have recent copies of your blood work from your GP (or clinic), we’ll usually be able to use them to avoid a blood test etc. Either way, we’ll keep you informed of what the next steps may be for your personal circumstances.
No. There is a large variation between different insurance companies and their underwriters (and sometimes discrimination) across the range of Australian insurance companies. Some see PrEP as a sign of significant promiscuous risk. Some tolerate its use and increase their premiums to offset what they see as an increased risk, while the more informed and professional underwriters recognise PrEP medication as a helpful personal health management tool used by responsible people. You need to know who wants your business and respects your choices and who doesn’t. That's why you need to use Unusualrisks.com.au to help you find the right insurance solution for you and your very personal situation.
PrEP (Pre-exposure prophylaxis) is an anti-HIV medicine taken by a person who doesn't have HIV to lower their risk of infection.
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.
Pre-Exposure Prophylaxis (PrEP) or technically more accurate, HIV Pre-Exposure Prophylaxis (PrEP), simply refers to the regular use of HIV medications by HIV-negative people to prevent them from acquiring HIV.
Studies also show it helps lower HIV- anxiety among its users. *JAIDS Journal 11.2019
Whether exposure to HIV is through sex or needlestick injuries, there are many people using PrEP to prevent them from being exposed to HIV and taking control of their sexual health and future wellbeing.
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
When it comes to being single in the LGBTQI+ community, there's really no such thing as average.
And it's your single life, so live it your way.
When it comes to being partnered in the LGBTQI+ community, there's really no such thing as average.
There's no right or wrong way to live a purposeful life, just what works for you both.
When it comes to parenting in the LGBTQI+ community, there's really no such thing as average.
However you're doing it, Love makes a family.