M

Get up to R10 million HIV Life Cover

Life cover gets more expensive as you get older, so your premium will never be lower than it is today. Fill in your details to get your obligation free quote today.

  • This field is for validation purposes and should be left unchanged.

How HIV can affect your pregnancy.

The risk of passing HIV from mother to baby can be as low as 1 in 100 when the correct steps are taken.

How HIV can affect your pregnancy.

HIV and pregnancy

Are you living with HIV/AIDS and interested in having children? Then know that you are not alone. The majority of HIV+ women are of child-bearing age. Advances in HIV treatment have greatly lowered the chances that a mother will pass HIV on to her baby. The risk of passing HIV from mother to baby can be as low as 1 in 100 when certain steps are taken.

In most cases, HIV will not cross through the placenta from mother to baby. If the mother is healthy in other aspects, the placenta helps provide protection for the developing infant. Factors that could reduce the protective ability of the placenta include in-uterine infections, a recent HIV infection, advanced HIV infection or malnutrition.

Unless a complication should arise, there is no need to increase the number of prenatal visits. Special counselling about a healthy diet should be part of the prenatal care of HIV infected women. Special attention should be given to preventing iron or vitamin deficiencies and weight loss as well as special interventions for sexually transmitted diseases or other infections (such as malaria, urinary tract infections, tuberculosis or respiratory infections).

Health care providers should watch for symptoms of AIDS and pregnancy-related complications of HIV infection. In addition, providers should avoid performing any unnecessary invasive procedures such as amniocentesis in an effort to avoid transmitting HIV to the baby.

A baby can become infected with HIV in the womb, during delivery or while breastfeeding. If the mother does not receive treatment, 25% of babies born to women with HIV will be infected by the virus. With treatment, this percentage can be reduced to less than 1%. Zidovudine (ZDV) is now used in combination with other anti-HIV drugs and is often used to prevent perinatal transmission of HIV. ZDV should be given to HIV-infected women at 14 weeks and continuing throughout pregnancy, labour and delivery. Side effects include nausea, vomiting and low red or white blood cell counts.

If no preventative steps are taken, the risk of HIV transmission during childbirth is estimated to be 10-20%. The chance of transmission is even greater if the baby is exposed to HIV-infected blood or fluids. Health care providers should avoid performing an amniotomy (intentionally rupturing the amniotic sac to induce labour), an episiotomy and other procedures that expose the baby to the mother’s blood. The risk of transmission increases by 2% for every hour after membranes have been ruptured.

Caesarean sections performed before labour and/or the rupture of membranes may significantly reduce the risk of perinatal transmission of HIV.

Women who have not received any drug treatment before labour should be treated during labour with one of several possible drug regimens. These may include a combination of ZDV with anti-HIV drugs. Studies suggest that these treatments, even for short durations, may help reduce the risk to the baby.

The baby should also be treated with ZDV for the first six weeks of life. Eight per cent of babies of women treated with ZDV become infected, compared with 25% of babies of untreated women. No significant side effects of the drug have been observed other than a mild anaemia in some infants that cleared up when the drug was stopped. Follow-up studies show that the HIV-negative treated babies continued to develop normally.

Understand more about HIV and how to live a happy, healthy life with a positive status.

Leave your details below to get more lifestyle tips, updates on medical research, and other resources to help you and your family live a healthy happy life in the presence of HIV.

  • This field is for validation purposes and should be left unchanged.

About 15% of newborns born to HIV-positive women will become infected if they breastfeed for six months or longer.

The risk of transmission is dependent upon:

  • Whether the mother breastfeeds exclusively.
  • The duration of breastfeeding.
  • The mother’s breast health.
  • The mother’s nutritional and immune status.

The risk is greater if the mother becomes infected with HIV while she is breastfeeding.

  • A woman who is HIV-negative or does not know her HIV status should exclusively breastfeed for six months.
  • A woman who is HIV-positive and chooses to use replacement feedings should be counselled on the safety and appropriate use of formula.
  • A woman who is HIV-positive and chooses to breastfeed should exclusively breastfeed for six months. The woman should also be advised regarding the changing risks to her baby during those six months, preventative treatments available and early treatment of mastitis and oral problems, weaning plans and how to determine the appropriate time to switch to formula feeding.

Despite the numbers of HIV positive (+) people who want to get pregnant, there is limited access to information, options, and therapies. Many health care providers are not discussing family planning with their HIV+ patients. Some do not have adequate information to share, while others openly discourage their HIV+ patients from having children. Despite the challenges you may face when wanting to get pregnant, it is possible for HIV+ people to have children with good access to information about options and to appropriate treatment. When choosing to have a child as an HIV+ person, it is important to be an advocate for yourself and your future child. Finding the right health care provider who is supportive of your plans to get pregnant is a big first step.

This column is authored by Dr Avron Urison, Medical Director at AllLife Pty Ltd* – providers of life insurance for HIV positive individuals.

*AllLife is an Authorised Financial Service Provider. Products are underwritten by Centriq Life Insurance Company (RF) Limited.

We all have questions.

Below are some of the answers to the most common questions that you need to know.

What is usually the first sign of HIV?

After getting infected with HIV, most patients only experience moderate flu-like symptoms. Typically, the illness is sudden in onset and is characterised by fever, swelling of the lymph glands, a measles-like rash all over the body and ulcers in the mouth and sometimes on the genitalia.

What are the 4 stages of HIV?
  • Stage 1: Infection – Exposure to infected bodily fluids.
  • Stage 2: Asymptomatic – HIV quickly spreads and the patient becomes seropositive for HIV antibodies.
  • Stage 3: Symptomatic – The immune system is now engaged in a constant battle with the rapidly replicating virus.
  • Stage 4: AIDS – At this stage, the patient’s CD4+ count is 200 cells per mm3 or less.
How soon can HIV be detected by a blood test?

No test can detect HIV immediately after infection. The time between initial infection and a detectable viral load is called the window period. It can take anywhere from 2-12 weeks to after exposure detect whether you are HIV-positive or not, depending on which testing method is used.

How long does it take to show symptoms of HIV?

Following initial infection, there is a period of intense, unchecked viral replication that occurs. It usually takes two to four weeks after infection and can last about one to two weeks, after which there tends to be a slight recovery, and the infected individual is considered to be seropositive for HIV antibodies.

How is HIV transmitted?

HIV is transmitted from one person to another through the exchange of body fluids. The main method of transmission in South Africa is through unprotected sexual activity.

Does HIV test affect life insurance?

Being HIV-positive can affect standard life insurance policies, particularly if your status changes from HIV-negative to HIV-positive within a particular age range. That’s why AllLife covers all lives. Your HIV status doesn’t prevent you from getting cover with us.

Can HIV-positive women have children?

Yes, HIV-positive women can enjoy healthy pregnancies and give birth to healthy HIV-negative babies. Through the Prevention of Mother to Child Transmission (PMTCT) programme has been highly effective in reducing transmission risk to under 1%.

Up to R10 million Life Cover for people living with HIV.

Simply fill in your details below and we'll call you back.

What will I be covered for?

In a few simple steps, you could be covered for comprehensive Life Cover and HIV Disability Cover (optional). We believe in providing you with Life Insurance to suit your needs so we will find a solution for you.

You get more than a life policy, you get a team to help you stay healthy.

What happens after I‘m covered?

After you’re covered you can enjoy the benefit of our Health Control Programme where we remind and assist you when it comes to regular tests and checkups, ensuring that you live a healthy and happy life.

Remember, life cover gets more expensive as you get older, so your premium will never be lower than it is today.

  • This field is for validation purposes and should be left unchanged.

*Risk Profile Dependent, Premiums increase by 6% every year and can be reviewed given 30 days' notice.