1. India’s First Group Health Insurance for People Living with HIV Stanley Joseph National Coordinator – Insurance INP+ Stanley Joseph National Coordinator – Insurance INP+

2. Types of Insurance Life Insurance Gives protection and financial stability to family. There is no Life Insurance for PLHIV Non Life or General Insurance Property, Theft, vehicle Insurance and Personal Insurance - Accident and Health Insurance. The HIV/CARE policy is a Health Insurance and it is the first in the country.

3. There is no Insurance for known PLHIV Though ART is covered by Govt. expenses are high for PLHIV 80% of the health expenses in Indian Household are out of pocket and 20% are coming from government Out of Pocket expenses are 3-6 times more than the general population for PLHIV Cost are high for Life long treatment of HIV and AIDS Need for insurance for PLHIV

4. Covers only HIV infected individuals No age limit for the applicant The Period of Insurance is for one year like any other Mediclaim Policy Sum Insured is Rs 30,000/- Annual Premium Amount is Rs. 1511/- PSI will support 50% of the premium ie. Rs.756/- Member has to pay only Rs.755/- for one year cover 50%( Rs. 15000/-) of the SI is covered for Hospitalization and 50% (15000/-)on reaching AIDS Stage Key features of the policy

5. The HIV Care Policy is issued to a group of persons infected with HIV Policy taker must be a member/beneficiaries of the proposer Pre Insurance screening is mandatory for all applicants (CD4 cell count of 300 and above) to rule out AIDS stage Eligibility

6. Inpatient Services/Hospitalization Emergency Ambulance charges up to a sum of Rs 750/- per hospitalization and a limit of Rs 1500/- Pre Hospitalization expenses for 30 days Post hospitalization expenses for Rs 5000/- Waiting period of 30 days for hospitalization claim and 90 days waiting period for AIDS stage Policy coverage details

7. All diseases/injuries which are Pre-Existing. PED will be covered only after 4 fours of continuous renewals. ART and Tuberculosis treatment are not covered (BOTH provided by government) Any disease contracted by the Insured person during the first 30 days of the policy Exclusions under the policy

8. Process of forming group Policy Support group meetings Orientation on Insurance Consent forms distributed and collected from members Premium collection from members who can form a group of 200 Eligible members CD4 >300 can be part of the policy More than 1 district can come together to form a group of 200 Group of 200 members is formed and policy is issued CD4 camp to be conducted

9. Thank You