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Health Insurance for HIV Patients: Coverage Options & Benefits

Health insurance coverage for HIV-positive patients in India has improved following IRDAI's mandate for inclusive policies. Benefits include in-hospital care covering physician fees and diagnostic tests, pre and post-hospital care, and emergency ambulance services. Inclusions feature in-patient hospitalization, day-care procedures, and ambulance charges, while exclusions may include pre-existing conditions, cosmetic treatments, and alternative therapies.