Add formatted program overview to UI message area

templates/index.html

@@ -313,7 +313,79 @@
     </div>
 
     <section class="output" id="output-area" aria-live="polite" aria-atomic="false">
-      <!-- Markdown output will go here -->
+      <!-- Initial Welcome Message -->
+      <div style="margin-bottom: 2rem; padding-bottom: 1rem; border-bottom: 2px solid var(--border-color);">
+        <div style="font-weight:700; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 1px solid #eee; color: var(--primary-color);">🏥 NITDAA Base Health Insurance Program — Overview</div>
+        <div class="answer-content">
+          <p><em>Note: NIT Durgapur is <strong>NOT</strong> responsible for claim settlement; all claims are settled exclusively by Aditya Birla Health Insurance.</em></p>
+          <ul>
+            <li><strong>👔 Insurance Broker:</strong> Zopper Insurance Brokers</li>
+            <li><strong>💻 Technology Partner:</strong> Solvy Tech Solutions</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">📅 Enrollment Window (2026)</h3>
+          <ul>
+            <li><strong>Base Policy:</strong> 08 June 2026 to 30 June 2026</li>
+            <li><strong>STUP Policy:</strong> 01 July 2026 to 31 July 2026</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">👥 Who Can Be Covered</h3>
+          <ul>
+            <li><strong>Mandatory Proposer:</strong> Alumni</li>
+            <li><strong>Eligible Members:</strong> Alumni (Self), Spouse, Up to 4 Children, Up to 2 Parents, Up to 2 Parents-in-Law</li>
+            <li><strong>Not Eligible:</strong> Siblings</li>
+            <li><em>Rule: Alumni Self must enroll before Parents or In-Laws</em></li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">🛡️ Covered Benefits (Base Plan Summary)</h3>
+          <ul>
+            <li><strong>Room Entitlement:</strong> Single Private AC</li>
+            <li><strong>Pre-hospitalization:</strong> 60 days | <strong>Post-hospitalization:</strong> 90 days</li>
+            <li><strong>Ambulance (Maximum):</strong> Rs. 10,000</li>
+            <li><strong>Sub-limit:</strong> None | <strong>Co-pay:</strong> Zero</li>
+            <li><strong>Modern Treatment:</strong> 100% of Sum Insured | <strong>AYUSH Coverage:</strong> 100% of Sum Insured</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">💳 Premium and Payment</h3>
+          <ul>
+            <li><strong>Payment Frequency:</strong> Annual only (no monthly, quarterly, or half-yearly option)</li>
+            <li><strong>Tax Benefit:</strong> Eligible for Section 80D income tax deduction</li>
+            <li><strong>Premium Rating Basis:</strong> Based on age of the oldest family member, group claims ratio, and is City-neutral.</li>
+            <li><strong>Payment Flow:</strong> Member pays via NITDAA portal ➡️ Collected by Solvy Tech Solutions (Zopper) ➡️ Transferred to Aditya Birla Health Insurance. (Receipt and policy issued by Insurance Company, NOT by NITDAA)</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">🧾 GST Applicability</h3>
+          <ul>
+            <li>Group policies (including NITDAA): <strong>18% GST applies</strong> (retained as commercial group service)</li>
+            <li><strong>Total Cost Formula:</strong> Base Premium + 18% GST</li>
+            <li><em>Note: GST was recently removed only for individual/family retail health insurance, not for group policies.</em></li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">💡 Ideal Coverage Strategy</h3>
+          <ul>
+            <li>NITDAA Base Cover (3L–5L) + Base deductable ➡️ NITDAA STUP cover (15L–200L) for comprehensive protection</li>
+            <li>If employer cover lapses (retirement/job change), add NITDAA Base as a floor layer.</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">🔄 Recommended Transition Strategy</h3>
+          <ul>
+            <li><strong>Do NOT</strong> immediately cancel existing policy when joining NITDAA. Maintain overlap for at least 1 year.</li>
+            <li>During NITDAA's first year, Pre-Existing Disease (PED) claims go to existing policy (no waiting period).</li>
+            <li>After first renewal of NITDAA, PED wait is waived; then cancel old policy.</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">👨‍👩‍👧‍👦 Coverage Continuity for Family</h3>
+          <ul>
+            <li>Family remains fully covered until the next renewal date.</li>
+            <li>For subsequent renewals, surviving spouse/family must contact the NITDAA Alumni team for portal access.</li>
+          </ul>
+
+          <h3 style="margin-top: 1rem;">👴👵 Coverage for Parents and Parent-in-Laws</h3>
+          <ul>
+            <li>Available as a separate floater policy after Alumni subscription.</li>
+          </ul>
+        </div>
+      </div>
     </section>
   </main>