In India nearly 5.7 million people are infected with HIV virus & there is already a lot of social stigma attached to it. For the first time, HIV (human immunodeficiency virus)-infected patients in India are getting coverage by the Chennai-based Star Health and Allied Insurance Company Ltd. This policy is launched under a group Insurance cover for the HIV-hit. The compensation becomes payable if an HIV patient is confirmed to be carrying AIDS

Eligibility of the Plan
- The policy will have to be proposed by governmental agencies, NGOs, societies or other registered bodies serving the cause of persons infected with HIV.
- The HIV Care Policy can be issued to a group of persons already infected with HIV.
- Covered patients must be members/beneficiaries of the proposer and availing its treatment/services.
- There is no age limit for the applicants

Premium will have to be paid to Star Health by the proposer who takes the group insurance, following are the premium details:

Insured Amount (Rs.) 30,000 - Premium (Rs.) 2,500
Insured Amount (Rs.) 50,000 - Premium (Rs.) 4,000
Insured Amount (Rs.) 1,00,000 - Premium (Rs.) 8,000

Exclusions
- Expenses incurred in treating HIV.
- All medical conditions that existed prior to the commencement of cover, except those specifically covered.
- AIDS confirmation within 90 days of commencement of the policy.