Health Insurance Cover For Disabilities Persons Afflicted With HIV-AIDS And Those With Mental Illness

Health Insurance Coverage: A good news related to health insurance is coming out. The Insurance Regulatory and Development Authority of India (IRDAI) on Wednesday started an initiative to provide insurance facilities to people suffering from serious diseases in the country. IRDAI has asked all health insurance companies to insist on inclusion of disabled persons, HIV-AIDS and mental illness victims in the health policy. So that they can also get the benefit of insurance cover.

IRDAI issued circular

IRDAI has informed in one of its circulars that registration certificate has been issued to all companies engaged in the business of general and health insurance. In which it is said that, they must compulsorily launch and present their respective products immediately. About a year ago, the insurance regulator asked health insurers to add mental illnesses to regular health insurance coverage. But only a few companies saw its effect. Not all companies have made such an offer.

Benefits to those suffering from serious diseases

From the side of the insurance regulator, health insurance policies should now provide the benefit of health cover to persons with disabilities, those suffering from serious illness like HIV/AIDS and those suffering from mental illness. It has been asked to offer specific cover for people with such ailment. By doing this the insurance company can increase the scope of its work.

Health insurance became necessary

Inflation is running at its peak in the country. The expenses of treatment in the same hospitals are increasing. If suddenly a medical emergency occurs in your family, then your deposited money is immediately used for the expenses of the hospital. To avoid this, it has become very important for every person to take health insurance. Health insurance plan helps you financially to easily bear the financial pressure due to any medical emergency like surgery or any other serious illness.

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