HIV patients must be insured

I WAS watching an insurance advertisement on TV and it made me think.

Is it fair for insurance companies to discriminate against people living with HIV?

The media and other institutions teach people not to discriminate against such people but according to insurance companies you cannot get coverage if you are HIV positive but if you contract the disease after joining you will be covered.

Does this apply only to people with HIV or to all sick people? I think HIV should be treated like cancer and diabetes, which are also chronic conditions.

I feel that hospital plans should cover any person who wants cover and that insurance companies should not discriminate against people living with HIV.

Monde Hlebo, Gauteng