If you know someone who has tested positive for Human Immuno-Deficiency Virus (HIV) and you are suggesting him/her buy a health insurance plan, then you need to stop right there. The majority of the insurance companies do not offer any health insurance policies to HIV patients. Since there was no health insurance for HIV patients in India, HIV patients had no healthcare option available. However, over the years, Star Health Insurance Company came with a health insurance policy for people who tested positive for HIV but their condition has not progressed to Acquired Immuno-Deficiency Syndrome (AIDS). Along with Star Net Plus Plan from Star Health Insurance India, let us discuss two more plans here.
Star Health Net Plus Plan
This is one of the most sought-after health insurance policies for HIV patients. From the condition to the surgeries, you will be totally covered under this policy. The policy provides coverage for hospitalization, pre and posts hospitalization expenses, emergency ambulances, and fees for the surgeon and specialist fee. This policy has especially been customized to fulfill the needs of HIV-positive patients; therefore, there is no minimum age to buy this policy. If the policyholder is diagnosed with AIDS, he/she will get a lump sum payout under this policy.
This plan can be availed of by a person even if he/she has already tested positive for HIV. However, the person should not have reached the stage of AIDS.
Max Bupa Health Premia Individual Health Insurance Plan
You can call this health insurance plan choice plurality as well since it offers not just but three options to choose from Gold, Platinum, and Silver variations. The cover starts from INR 3-5 lakhs and then extends up to INR 1-3 Crores. The plan covers a wide range of diseases along with maternity expenses of up to INR 60,000. This means this can even be called the perfect cover for the families.
Apart from covering accident costs, this plan also provides coverage for international medical expenses. If the policyholder is diagnosed with a serious disease or even passes away, a waiver is provided under this plan. From the first day of having the plan, you can avail of diagnostic check-ups. The other expenses that it covers include hospitalization, pre, and post-hospitalization costs, organ transplants, emergency ambulances, and day-care treatment.
Nevertheless, if any disease is diagnosed during the waiting period, it will not be covered under the plan. Policyholders who have a pre-existing illness will have a waiting period of at least 48 months. For suicide attempts or self-inflicted injuries, there will be no coverage provided.
Manipal Cigna Global Health Group Plan
Since this health insurance plan works globally, it is ideal for people who travel for work or even for non-work-related reasons. It certainly is a group plan but not precisely for an employer-employee group. The family of the policyholder can be covered under this plan. This premium plan for HIV-positive people provides coverage for up to INR 1 Crore. Apart from this, the plan also comes with a heap of other benefits. The policyholder and his/her family will get coverage for Psychological and Psychiatric costs. The plan also offers a maternity cover, which means it is perfect for people who are planning for a baby. Another coverage that is provided by this plan which also makes it unique is the cancer cover provided by it.
For more information on these plans, you can visit the website of IIFL. You will also be able to find information on the kind of premium that you have to pay under this plan. Along with this, you can also come across several other health insurance policies as you visit this website.