The Insurance Regulatory and Development Authority of India (IRDAI) has issued a circular directing all general and health insurers to offer specific insurance coverage for people with disabilities, HIV/AIDS, and mental illness.  

The circular highlights the sections of various Acts i.e. Mental Health Care Act 2017, Rights of Persons with Disabilities Act 2016, and HIV and AIDS Act 2017, that require insurers to offer appropriate coverage for a year and are renewable. 

The insurers must put in place a board-approved underwriting policy that ensures no proposal is denied due to the stated disabilities and/or illnesses.

The product's scope can be expanded but cannot be narrowed down, and the insurers may determine the product's price, complying with the norms specified in the IRDAI (Health Insurance) Regulations, 2016.

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