NATIONAL INSURANCE CORPORATION HAS DESIGNED
HIV VACCINATION INSURANCE POLICY
1.0. Group Medical Insurance:
Scope of Cover:
(a) Outpatient benefits – Annual Benefit
Limited to be specified by insured.
(i) General practitioners:
Treatment consultations and procedures in the general practioner’s
room or out-patient department of a hospital.
(ii) Specialists:
Specialists visits or on out-patient basis. Member must be referred
by a general practitioner.
(ii) Medication:
Drugs for use to treat ailment conditions. These drugs must
be prescribed by a medical practitioner.
(iv) Radiology:
X-ray for bone or chest injuries
(v) Pathology:
Laboratory tests.
(b) In-patient. Annual benefits limit to be
specified by the insured. Benefits will include:
(i) Common ward accommodation and treatment
(ii) Consultation and treatment by healthcare providers.
(iii) Radiology and Pathology:
X-ray, ultra sound and Laboratory tests.
(c) This product being tailor-made it will cover also
(i) Sexually transmitted diseases and HIV related conditions.
(ii) Vaccinations
(iii) Experimental treatment
(iv) Experimental drugs
2.0 Group Professional Indemnity Policy:
2.1. Scope of Cover:
Damages which the insured shall become legally liable to pay
consequent upon breach of professional duty by reason of any
negligent act error or omission committed by the insured during
the carrying out of the HIV vaccination trials.
2.2. Limit of Indemnity:
The limits of indemnity will have to be specified by the insured.
2.3. Terms conditions, exceptions under the policy:
These are specified in the policy document.
3.0. Group Personal Accident:
(a) Scope of Cover:
Provision of monetary payment in the event of bodily injury
sustained by the Doctors or Nurses and trial participants involved
in the HIV Vaccination trials. The injury should have been caused
solely and directly by an “accident” and resulting
in physical impairment or in death.
(b) Benefit structure and levels:
i) Death benefits: – Capital sum insured is paid
ii) Permanent total disability: - Capital sum is also paid
The amount payable for the above benefits would be agreed upon by the insured. Usually it will be fixed as specified sum.
(c) Terms conditions, and exceptions:
These are specified in the policy document.
