#  Insurances for People taking PrEP

  ![happy male friend carrying his mate at a fairground while laughing and having fun](https://unusualrisks.com.au/images/site-pics/services/life-insurance-for-people-using-prep-services-of-unusual-risks-insured.jpg)  [🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified

## Good News for Australians taking PrEP for HIV prevention.

People taking PrEP are now eligible for the full range of Life Insurance products stigma-free: if you know specialist Financial Advisor Drew Browne, the person behind unusualrisks.com.au

![PrEP](https://unusualrisks.com.au/images/case-studies/small-prep.png)This means people using PrEP can get a full range of insurance covers;

- [Life Insurance](https://unusualrisks.com.au/index.php?Itemid=739)
- [Income Protection](https://unusualrisks.com.au/index.php?Itemid=740)
- [Crisis Recovery Protection](https://unusualrisks.com.au/index.php?Itemid=752)
- [Total & Permanent Disability](https://unusualrisks.com.au/index.php?Itemid=751) (TPD), and even
- [past formal declines on insurance applications for Life Insurance or Income Protection](https://unusualrisks.com.au/index.php?option=com_content&view=article&id=282:what-is-the-problem-with-a-formal-decline-on-a-life-insurance-application&catid=94:most-common&Itemid=864) cover

All policies are now available to Australians taking PrEP - stigma and attitude free - through the specialist financial advisers behind unusualrisks.com.au

### So what is PrEP?

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](https://www.health.nsw.gov.au/endinghiv/pages/default.aspx). 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.

- **PrEP** is an acronym that stands for **pre-exposure prophylaxis**. It involves HIV-negative people taking antiretroviral drugs to protect themselves getting HIV and prevent HIV infection – in just one tablet a day.
- **PrEP** is, as the name implies, a **pre**-exposure strategy, unlike **post**-exposure prophylaxis (**PEP**), which is taken after potential exposure to HIV has occurred.

### In a nut-shell

- Pre-Exposure Prophylaxis (PrEP) or technically more accurately, 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

### Who is taking PrEP?

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 well-being.

- Studies show PrEP is effective but the uptake of PrEP has been slow with [research showing](https://www.ncbi.nlm.nih.gov/pubmed/28108878) that's partly due to Stigma and Discrimination concerns - something the team at unusualrisks.com.au understands and provides a complete solution for when you need to apply for Life Insurances or Income Protection.

### In Australia, lots of people use PrEP for lots of reasons

- Some sexually active gay and bisexual men, transgender people and heterosexual people with an HIV positive partner who doesn't have an undetectable viral load, are part of the population groups at higher risk.
- Similarly, Medical Professionals, Police, Fire, Ambulance and Emergency Services Workers are all at higher risk of occupational exposure to blood-borne viruses through sharps and needlestick injury.

### Real Life statistics

- In Australia, approximately 30 needlestick injuries (NSI's) per 100 beds occur per year.
- At least 18,000 healthcare professionals suffer from an NSI every year.
- And 80% of reported NSI's involve a contaminated needle. The Alliance for Sharps Safety and Needlestick Prevention in Healthcare

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](https://endinghiv.org.au/stay-safe/prep/).

### What's the problem with PrEP and getting Life Insurance?

Up until now, Australians 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).

- People applying for insurance through **online comparison websites** report completing the application with full lifestyle and medical disclosures, only to feel insulted when a **formal decline is issued due to 'lifestyle considerations'**
- People applying for insurance in their **Superannuation fund** report being routinely knocked back (and usually after having to disclose a full medical and lifestyle history) as the insurance **provider doesn't 'deal with PrEP users'.**

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.

### How have Life Insurance companies treated people taking PrEP?

The New York Times broke the story of [Dr. Philip Cheng, a urologist in Boston taking PrEP](https://www.nytimes.com/2018/02/12/health/truvada-hiv-insurance.html) and being denied full insurance cover until he stopped taking, Truvada (the pharmaceutical brand name for PrEP) to prevent HIV infection.

- Many people applying for Life Insurances when disclosing they are taking PrEP to prevent them from being exposed to HIV have found themselves discriminated against and received forced formal declines on insurance applications for Life Insurance or Income Protection cover.

### When American News is not accurate or helpful for Australians

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 Superannuation Funds formerly decline applications for insurance by people using PrEP and discriminate in a similar way against people with well managed HIV or Diabetes.

### Good news for Australians taking PrEP

The good news is Australians 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

 #####  **Where to Now?**

##### Continue your journey…

- Make sure you Browse through our [Blog](https://unusualrisks.com.au/index.php?Itemid=696)
- Have questions? See our [Frequently Asked Questions](https://unusualrisks.com.au/index.php?Itemid=699)
- Discover someone with a similar situation in our list of [Case Studies](https://unusualrisks.com.au/index.php?Itemid=697)
- When you're ready to know if we can work with you, take our [Anonymous Pre-assessment](https://unusualrisks.com.au/index.php?Itemid=829)
- Send us an [Email](https://unusualrisks.com.au/index.php?Itemid=848) or Jump the queue and [Call for a Chat](https://unusualrisks.com.au/index.php?Itemid=848)

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 MCX\_Service\_Avatar\_Title: Specialised PrEP Insurance Portfolio Summary##### 🏛️ Service Contract Summary

 ##### 🏛️ All Life Insurances and Income Protection for People Using PrEP

MCX\_Service\_Avatar\_Title: PrEP Umbrella Underwriting**🎯 Strategic Intent** MCX\_Purpose\_Avatar
This service acts as a **Privacy and Equality Guard for your comprehensive financial security**. It is specifically engineered to ensure that individuals taking PrEP have direct access to an integrated umbrella fallback covering Life, TPD, and Crisis Recovery protections without facing unfair underwriting bias. We frame the proactive use of PrEP as a responsible health measure—not an elevated risk profile—guaranteeing elite access to standard premium rates and full policy benefits.

**✅ Benefit Parameters** MCX\_Performance\_Metric

- **Non-Discriminatory Underwriting:** Direct pathways to standard "clean-skin" premium structures, ensuring no automatic price loadings or restrictive exclusions are applied based solely on your use of PrEP.
- **Total Portfolio Integration:** Secures foundational Life insurance, Total and Permanent Disability (TPD) safeguards, and Crisis Recovery (Trauma) capital provisions under a single coordinated strategy.
- **Absolute Medical Discretion:** Sensitive clinical information is managed with strict protocols, ensuring your private data is evaluated exclusively by PrEP-aware corporate underwriting teams.

**🛡️ Operational Boundaries** MCX\_Boundary\_Rule

- **Duty of Medication Disclosure:** While our frameworks guarantee non-discrimination, the active use of PrEP must still be clearly declared as a preventative medication to preserve long-term contract validity.
- **Insurer Matrix Selection:** We filter out restrictive legacy systems, routing your application exclusively through modern insurers who have formally updated their underwriting manuals to recognise PrEP as a responsible preventative tool.
- **Contextual Risk Framing:** Protection parameters are established by evaluating the proactive nature of your healthcare choices, ensuring policy guidelines align fully with Australian Anti-Discrimination guidelines.

**❓ Common Clarity Point**
**Does taking PrEP negatively affect my Life, TPD, or Crisis Insurance application?**
No. Under our specialised underwriting protocols, taking PrEP is classified as a highly responsible, preventative health workflow, not an adverse exposure risk. We ensure your corporate portfolio is evaluated through this modern preventative lens, meaning the proactive use of PrEP should never result in premium penalties, unfair loadings, or structural coverage exclusions.

**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Managed by verified risk advisers under corporate licensing provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All sensitive medical documentation and client strategy ledgers are fully protected under strict Australian data sovereignty frameworks, fortified via high-level AES-256 encryption, and managed exclusively on secure local infrastructure utilising mandatory 2FA protocols in strict alignment with our [Privacy Standard](https://unusualrisks.com.au/../privacy).

 **Corporate Registry Anchor:** Unusual Risks Insured is a specialised corporate solution lane of Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57

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