The primary aim of this paper is to bring an insurance plan for HIV/AIDS patients. Recent studies based on antiretroviral therapy (ART) and highly active antiretroviral therapy (HAART) suggests long term survival of HIV/AIDS patients. Use of cure fraction model has revealed that a considerable proportion of patients are long term survivors out of the diseased cohort (Grover et al. 2019). The survival time is defined under the purview of CD4 cell counts which are considered to be the disease marker for HIV/AIDS patients. Many patients suffer financially along with risk of death. Here, we introduce an insurance plan which involves low risk for insurers and affordable premium for patients. The premium is calculated, using the survival estimates from Kaplan–Meier survival curve, on the basis of a deterministic model.

本文的主要目的是为艾滋病毒/艾滋病患者提供保险计划。基于抗逆转录病毒疗法（ART）和高活性抗逆转录病毒疗法（HAART）的最新研究表明，HIV / AIDS患者的长期生存。使用治愈分数模型显示，患病人群中相当一部分患者是长期幸存者（Grover et al.2019）。存活时间是根据CD4细胞计数定义的，CD4细胞计数被认为是HIV / AIDS患者的疾病标志。许多患者在经济上遭受死亡的风险。在这里，我们介绍一种保险计划，该计划涉及保险人较低的风险和患者可负担的保费。在确定性模型的基础上，使用来自Kaplan-Meier生存曲线的生存估计值计算保险费。