Estimation of premium cost for HIV/AIDS patients under ART

The primary aim of this paper is to bring an insurance plan for HIV/AIDS patients. Recent studies based on antiretroviral therapy (ART) and highly active antiretroviral therapy (HAART) suggests long term survival of HIV/AIDS patients. Use of cure fraction model has revealed that a considerable proportion of patients are long term survivors out of the diseased cohort (Grover et al.2019). The survival time is defined under the purview of CD4 cell counts which are considered to be the disease marker for HIV/AIDS patients. Many patients suffer financially along with risk of death. Here, we introduce an insurance plan which involves low risk for insurers and affordable premium for patients. The premium is calculated, using the survival estimates from Kaplan-Meier survival curve, on the basis of a deterministic model.