There is good news though. There are over 30 groups of HIV positive persons in the Chiang Mai area alone, creating support networks, going on home visits, holding workshops on meditation, yoga, and herbal medicine. There are also great centers with herbal medicine research and distribution. While I found many other items in the list to be abhorrent, including private health insurance restrictions seems ill conceived. Let me explain why.
Health insurance is nothing more than prepayment of future health services by a group of persons.
The annual insurance fee is set so that on average there is sufficient money to pay for all claims, with additional money set aside for administrative overhead. To keep fees down, many people sign up with insurance companies that limit policies to healthy persons at entry. Companies that enforce such entry provisions have lower fees, and likely sell more health insurance policies. Either way, when an HIV infected person is included in a health insurance pool, this cost must be absorbed by the other members of the health insurance plan. It clearly is unethical to deny payment to someone who becomes HIV infected after they have enrolled in a health insurance plan.