Insurance for HIV-infected People and Equality Law

Christian Armbr¨¹ster (c.armbruester@fu-berlin.de) and Sandrina Zillmann (sandrina.zillmann@web.de)
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Christian Armbr¨¹ster: Faculty of Law, Freie Universitit Berlin
Sandrina Zillmann: Faculty of Law, Freie Universit?t Berlin

Review of Economics & Finance, 2012, vol. 2, 14-23

Abstract: This article deals with the impact of Equal Treatment Law on the insurance of risks related to an HIV positive person from a European and German perspective. As will be shown, the infection is to be qualified as a disability but differentiations in insurance contracts are usually justifiable. In addition normally there is no unlawful treatment with regard to sexual identity. Even so the insurer has several options to avoid any conflict with HIV positive persons and thus establish and foster customer relations.

Keywords: Insurance; HIV infection; Disability; European Directives; Germany (search for similar items in EconPapers)
JEL-codes: I13 I14 K12 K32 (search for similar items in EconPapers)
Date: 2012
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