-
Products
- Life Insurance
- Disability Protection
- Health Insurance
- Auto/Home Insurance
- Additional Recommendations
- Dental Insurance
- Business Insurance
- Partner Programs
HIV Indemnity Insurance
As a physician, you may be at higher than normal risk for contracting the HIV virus.
If you ever become infected by this devastating virus, your group or individual health insurance plan may pay limited or no benefits while you are HIV-positive and asymptomatic.
You may even be required to stop practicing medicine. You could face both mounting medical bills and loss of income.
The HIV Indemnity Insurance Plan
- Pays up to $1 Million in benefits upon a confirmed first positive HIV diagnosis anytime during your lifetime while coverage is in force.
- Benefits are paid in addition to any benefits your traditional health and/or disability insurance plan may provide.
- Physician group rates are affordable and guaranteed for 5 years.
The Plan has a limited enrollment period that begins September 1 and ends March 1 of each year.
HIV Indemnity Insurance Coverage Details
Features & Benefits
Lump Sum Benefit
The AMA-sponsored HIV Indemnity Plan pays a one-time lump-sum benefit of up to $1 Million if an insured person first tests positive for the HIV virus during their lifetime and while coverage is in force. This benefit is paid directly to the insured person and can be used for any medical, non-medical or personal expenses that they choose.
Benefits Levels
Benefit levels are tailored to the needs of physicians, residents and medical students.
Physicians can choose from five (5) benefit levels:
$150,000, $250,000, $500,000, $750,000 and $1 Million
Residents can choose from two (2) benefit levels: $150,000 or $250,000.
Coverage for a medical student is limited to a $50,000 benefit.
Rates Guaranteed for 5 years
Once coverage is issued, the premium rate is guaranteed not to increase for 5 years. Premium rates for this plan are based on the benefit level chosen - not age, health, specialty or income.
Eligibility
All practicing physicians, medical students and residents residing in the United States who are actively engaged full-time in the duties of their occupation, are eligible to apply for this coverage during any qualified enrollment period.
Note: Michigan residents must be AMA Members to be eligible for this coverage.
Effective Date
Coverage is effective on the date PMIC (Physicians Mutual) approves the application.
Enrollment Period
The Plan has a limited enrollment period, that begins on September 1 and ends on March 1 each year.
Renewability and Termination
Coverage is guaranteed renewable for five years from the date your Certificate is in force, as long as you pay premiums when due.
Exclusions
No claim will be payable under this insurance if such claim is caused by seropositivity due to vaccination, inoculation, or other intentionally induced HIV seropositivity.
State Availability
CA,CT,ME,NH,OR,RI,VT
Carrier Information
The AMA-sponsored HIV Indemnity Insurance Plan is underwritten by Physicians Mutual Insurance Company, Omaha, NE.

Contact
Customer Care
1-888-627-5883
Monday–Friday 8AM-5PM CDT
Physicians in focus BlogAMA Insurance Agency President Chris Burke shares information, resources, data and insight on more than just insurance. Connect with Chris and share your insights on topics like Technology, Social Media, Travel and more. |
How Safe Is Your Home? Take Our Home Safety QuizIt's true. There's no place like home. No place more comfortable or more relaxing...and no place where you are more at risk. Take our home safety quiz filled with safety tips and facts for every homeowner. |