Yes you probably need a critical health insurance, if you want to ensure the health or income, if you sick and unable to work, which is especially important for songle, including gay. For example, there are also cases, such as buying a home, if the life insurance is essential.
When some one apply for insurers such insurance, and this will happen if he is gay. He will be asked to fill out the form with questions of whether a partner is in the category of sex. The enquiry not be insert directly, but the insurance company then sends the way intrusive. It may be tempting not to disclose information or wrong information but it is not the loss of insurance and thus a bad idea. On the other hand, if you are caught for doing inaccurate information, this could cause serious problems in the future when yor insurance was applying.
If you are gay, an insurer asked to verify whether they are HIV-positive. There are rules for the examination and insurance companies are pretty random selection process. The fact is that if the results were positive for HIV, it is almost impossible to buy life insurance. If you already have an HIV test, the result in itself, that some insurers refuse to cover, even if the result was negative. If you are gay, even if it passes all tests without problems, some companies are doubling or even tripling their contributions.
It seems unfair that most insurance companies require a survey of HIV among gay men in search of income security, life insurance or assurance, serious illness, refusing to applications for HIV. So what does it make if you are HIV? If you feel that life is unfair, please contact the Association of British Insurers 51 Gresham Street, London, EC2V 7HQ.
Business consultant based in Brighton, said: "It's nice to know that the insurer may not invoke the rights to some of his blood. It is clear that the test can scary."
It is advisable to take test on your own, before moving on to the insurance company. And to ensure that insurance companies have access to some areas of your medical history and medical treatment of sexually transmitted diseases, is planning to remain anonymous clinics are available to almost every village. National AIDS help line Terrence Higgins Trust is able to identify relevant studies .
Source: http://EzineArticles.com/?expert=Michael_Challiner
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