The immunity-related disease of HIV/AIDS has remained a challenge for the medical and healthcare fraternity for over three decades now. While people get almost easy access to healthcare facilities and health insurance for other diseases, the story for HIV patients is a bit different. Even though there has been some improvement in health insurance for HIV patients in India in the last few years, it is still limited. And it is a challenge to access healthcare services for those living with HIV. A wider approach is required to solve these challenges so that HIV-positive patients can get care and necessary support to lead a healthy life as the virus impacts a person's immunity and leaves him/her vulnerable to illnesses. Because of this, insurance companies do hesitate often to provide health insurance coverage to people having HIV. This complicates their situation and makes life challenging.