Stigma and discrimination create barriers for women living with HIV/AIDS (WLHA) in accessing quality health-care services, affecting their well-being and also increasing the number of cases. The current article studies issues of stigma and discrimination that WLHA experience in health-care settings and highlights the importance of building awareness and sensitivity regarding HIV among all health-care workers. This hospital-based study was conducted in an anti-retroviral therapy center in Kashmir. Twenty-one WLHA participated in the study. The WLHA internalizes stigma and experiences shock, guilt, anger, and numbness while receiving a diagnosis. The stigma is socially constructed, having very little medical or logical basis. Verbal abuse, gossiping, expression of shock and disbelief of health-care workers, discriminatory attitudes such as wearing multiple surgical gloves, denial of care and treatment, and disclosing their HIV-positive status without their consent to their families and others have been learned. These experiences in health-care institutions are disempowering for WLHA. Gender stereotyping and inequalities within health-care settings and the discriminatory approach of some health practitioners toward women is the main barrier to accessing the services for HIV prevention, treatment and support services.