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Insurance for HIV-infected People and Equality Law


  • Christian Armbr¨¹ster

    () (Faculty of Law, Freie Universitit Berlin)

  • Sandrina Zillmann

    () (Faculty of Law, Freie Universit?t Berlin)


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.

Suggested Citation

  • Christian Armbr¨¹ster & Sandrina Zillmann, 2012. "Insurance for HIV-infected People and Equality Law," Review of Economics & Finance, Better Advances Press, Canada, vol. 2, pages 14-23, November.
  • Handle: RePEc:bap:journl:120402

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    References listed on IDEAS

    1. Robert C. Merton, 2005. "Theory of rational option pricing," World Scientific Book Chapters,in: Theory Of Valuation, chapter 8, pages 229-288 World Scientific Publishing Co. Pte. Ltd..
    2. Venter, Gary G., 2007. "Generalized Linear Models beyond the Exponential Family with Loss Reserve Applications," ASTIN Bulletin: The Journal of the International Actuarial Association, Cambridge University Press, vol. 37(02), pages 345-364, November.
    3. Black, Fischer, 1976. "The pricing of commodity contracts," Journal of Financial Economics, Elsevier, vol. 3(1-2), pages 167-179.
    4. Duffie, Darrell & Singleton, Kenneth J, 1999. "Modeling Term Structures of Defaultable Bonds," Review of Financial Studies, Society for Financial Studies, pages 687-720.
    5. Black, Fischer & Scholes, Myron S, 1973. "The Pricing of Options and Corporate Liabilities," Journal of Political Economy, University of Chicago Press, vol. 81(3), pages 637-654, May-June.
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    More about this item


    Insurance; HIV infection; Disability; European Directives; Germany;

    JEL classification:

    • K12 - Law and Economics - - Basic Areas of Law - - - Contract Law
    • K32 - Law and Economics - - Other Substantive Areas of Law - - - Energy, Environmental, Health, and Safety Law
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I14 - Health, Education, and Welfare - - Health - - - Health and Inequality


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