The Insurance Regulatory and Development Authority of India (IRDAI) recently asked general insurers to offer health covers for individuals with disabilities and also for those living with HIV/AIDS and mental health conditions. Mental health and HIV/AIDS are already covered under the existing framework. However, companies will now have to put in place board-approved underwriting policies to ensure that coverage is not denied to anyone on these grounds. These products, such as other regular policies, will be annually renewable with a tenure of one year. The pricing, however, has been left to insurance companies. They will have to conform to a set of standard features and clauses specified by the IRDAI.