Ravi got diagnosed with HIV (Human Immunodeficiency Virus) infection at 32. He immediately started to panic about how he was going to afford the treatment. He had no idea what kind of insurance he would need or if he would be eligible for any. So just to be sure, he consulted his insurance advisor, only to find that general health insurance plans in India do not cover HIV treatments. And online information was conflicting or incomplete. Frustrated with his outcomes, Ravi sought second opinions from other insurance advisors, and finally struck gold. One of them was able to help him out of his misinformation and misconceptions. Ravi was going to find that dedicated HIV-inclusive health insurance plans already existed in India. He just had to find an insurance advisor who knew what these plans offered and how to read the fine print. Misconception 1: "The biggest cost for my HIV treatment will be hospital bills." A diagnosis of HIV infection or AIDS is usually the beginning of a long process with lasting repercussions on the finances of that individual. Many patients feel that the most difficult bill they will ever have to bear is the hospitalization, and due to the nature of this infection, that may not happen just once. The entire cost breakdown for HIV treatment can be categorized into ongoing disease management and major medical events that can happen due to any potential HIV complications. The HIV infection decreases the immunity of an individual and, due to that, is known to lead to other complications like Cancer or Tuberculosis, that may need hospitalization or surgeries. Since Ravi’s infection was caught early, all he would need was regular ART (Anti-retroviral Therapy) medication, constant testing and monitoring using the standard Viral Load and CD4 tests, and doctor consultations.