HIV (human immunodeficiency virus) infection has now spread to every country in the world and has infected more than 40 million people worldwide as of the end of 2003. More than 1.1 million people in the United States have been infected with HIV. The scourge of HIV has been particularly devastating in Sub-Saharan Africa. The [...]
People buy insurance to protect themselves against possible financial loss in the future. Such losses may be due to a motor vehicle collision, natural disaster, or other circumstance. For patients, financial losses may result from the use of medical services. Health insurance then provides protection against the possibility of financial loss due to health care [...]
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