HIV by default?

was looking through a list of the 30 critical illness list offered by insurers and found a particular clause which seems kinda prejudiced against a certain group of people. currently there's a clause that pays out to ppl who have been infected by HIV thru blood transfusions or occupational mishaps. It DOESN'T cover if you contracted it through sexual intercourse or the use of intraveneous drugs....

but wad abt if you were born with aids? is there no coverage for you?? Its not even ur fault? you came into the world and even before u opened ur mouth and cried, ev1 arnd u knew ur life was fucked?? HOW UNFAIR IS TT?? haiz....