If the HIV+ patient is registered on the DEFCON 5 programme – HFC will assist them to pay their monthly Credit Life policy for not exceeding 6 months in the event that the person is unfit to work as a result of his HIV condition.

If the patient dies as a result of HIV whilst being registered and receiving medical treatment by the Care Centre, then HFC will pay the outstanding amount less any interest to the insurer.

All registered members will receive the following:

– Unlimited lifelong telephonic advice and counselling for the patient;
– Guidance on dietary requirements and drug compliance, which includes patient follow-up;
– Lifelong telephonic protocols for the treating Doctor;
– Access to two Doctor’s consultations, including a blood test, per annum;
– Clinical management including advice on correct drug regimens based on pathology results;
– Referral to the nearest appropriate Private, NGO or State facility for anti-retroviral therapy, at the recommendation of the Care Centre, at no cost to the member.
– Vitamin and mineral supplements, at the recommendation of the Care Centre, at no cost to the member.

The waiting period on the policy for registered HIV+ patients will be 9 months, before they will qualify for the abovementioned benefits.