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D.I.Y Health

Build your health plan,
your way

Customise and create your own health insurance

What is D.I.Y Health?

Are you tired of going through the same health insurance coverage from all insurance providers? If yes, then why not DIY your very own plan?

Imagine a health insurance plan that only has the benefits and coverage that you prefer, and you only pay for the coverage you want. With D.I.Y Health, this is exactly what you get.

Customize your health insurance just the way you want and secure your and your family's physical, mental, and financial well-being.

What assured benefits will I get?

When you buy D.I.Y Health, you get 17 assured base covers that includes the following benefits:

Inclusions

  • Medical Expenses

    We cover all your hospitalization expenses up to your selected sum insured.

  • Day Care procedures

    We pay for your medical treatment if you get hospitalized for less than 24 hours. 530 procedures covered up to sum insured.

  • Pre Hospitalization

    We understand you might need medical care before getting hospitalized. This is why our plan covers your pre-hospitalization expenses up to 90 days.

  • Post Hospitalization

    Medical care is a must after hospitalization. This is why our plan covers your post-hospitalization expenses up to 120 days.

  • Organ Donor Expenses

    If you need an organ transplant, we will cover the charges for the treatment of the organ donor. However, this will not include donor screening, pre and post-hospitalization expenses of the donor, organ acquisition costs.

  • Bariatric Surgery

    We will cover your expenses for a bariatric surgery up to 50% of the sum insured, with a maximum of Rs.5 lakh for each policy year.

  • HIV / AIDS

    We will pay for your medical treatment for HIV/AIDS.

  • Room Rent

    If you are hospitalized, we will cover your hospital room rent charges.

  • ICU Charges

    We will also take care of your ICU charges.

  • Wellness Benefit

    The policy will also cover wellness benefits like tele counselling, health contents, webinars, vouchers, and health check-ups.

  • OPD Cover

    We will cover your OPD expenses if you visit a hospital or clinic for diagnosis and treatment at the recommendation of a doctor.

  • Lasik Surgery

    We will cover your LASIK surgery expenses if the refractive error is more than or equal to +7.5 dioptre. You can make a claim only once during the entire policy tenure.

  • Mental / Psychiatric Conditions

    If you need medical care for mental/ psychiatric illness, the policy will take care of the expenses.

  • Gender Reassignment Surgery

    We will pay for your gender reassignment surgery after a waiting period of 4 years.

  • Screening and Vaccinations

    We will cover the charges for diagnostic tests and vaccinations for Screening of breast cancer, Hepatitis-B vaccination, HPV vaccination, Screening for cervical cancer- PAP smear and HIV test.

  • Cumulative Bonus

    This is the extra sum insured that we offer without increasing your premium. If you do not make any claim in a year, we will renew your cumulative bonus by 25% for that year.

  • Modern Treatment Methods

    The plan also covers the following treatment/ procedure using modern medical methods like Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation. Robotic surgeries and a few more. We will pay 50% of the sum insured, with a maximum of Rs. 5 lakh for each policy year.

  • Restoration of Sum insured

    If you make a second claim in the policy year and exhaust your sum insured and cumulative bonus, we will restore 100% of the sum insured. For this, you must use the restore sum insured for the same or new illness and you can use the restored sum insured once in a lifetime for chemotherapy and dialysis.

Which Add on covers can I opt for?

You can choose to further enhance your plan by simply picking minimum 3 Add on covers.

Maternity Benefits

The policy will cover pre and post-maternity expenses. For this, the insured female must be covered with her spouse for 3 continuous years.

Road Ambulance

We will take care of the road ambulance expenses to ensure you reach the hospital safely and on time.

 

Emergency Air Ambulance

We will cover the emergency air ambulance charges if you need to get medical treatment in a different Indian city.

Daily Hospital Cash

If you are hospitalized, we will pay you a fixed amount for every 24 hours you spend at the hospital.

Convalescence Benefit

We will pay a fixed amount if you are hospitalized for more than 10 days.

Accompanying Person

If the insured person is less than 12 years, we will cover the expenses of the person accompanying them.

Accidental Death of the Primary Member/ Spouse

We will pay a fixed amount in the event of accidental death of the primary insured person and their spouse.

Critical Illness Booster

If you need medical treatment for a critical illness, we will increase the sum insured.

Cumulative Bonus Booster

For every completed policy year, you will receive a 100% increase in the sum insured on a cumulative basis.

Accident Booster

We will offer an additional sum insured if you are hospitalized due to an accident.

Non-medical and consumables expenses cover

We will pay for non-medical and consumable expenses.

Home Health Care

The plan covers your home health care expenses up to 20% of the sum insured.

Alternative Treatments

We take care of your expenses for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy.

Voluntary Co-payment

With the DIY Health plan, you can also opt for a voluntary co-payment.

Voluntary Deductible Option

Depending on your plan, a deductible will apply up to Rs. 1 lakh.

What is not covered in the policy?

The policy does not cover the following expenses:

  • Expenses related to pre-existing disease shall be excluded as per the details mentioned in the policy schedule.

  • Any disease contracted during the first 30 days from the commencement of the policy, except due to accidental injury.

  • Joint replacement surgery due to degenerative condition shall be covered after a waiting period of 36 months.

  • Diseases like Cataract, Benign Prostatic Hypertrophy, Hernia and Tumors shall be covered after a waiting period of 24 months / 12 months.

  • All expenses related to Sexually Transmitted Diseases other than HIV/AIDS.

  • Hazardous or Adventure Sports.

FG Insure App

Manage your Wellness Benefits with D.I.Y Health.

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Why buy D.I.Y Health?

Higher Sum Insured Thumb

Choose what suits you

You have the freedom to choose the covers you only want.

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Pay for what you want

We give you an option to pick the covers that suit you and only pay for them.

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Wellness Benefit

Comes with value added services like medical check ups, tele-counselling, webinars, and wellness reward points can be used for renewal discount.

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Multiple discounts

- 15% online discount and 10% family discount if you insure more than one person under the same policy.

- Long-term discount of 7.5% if you buy the policy for 2 years and 10% of 3 years.

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Flexible payments

We give you option to pay monthly, quarterly, half-yearly, and annually in case of long-term policies.

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No loading

No loading charge for a bad claim experience.

Plans that we offer

Mini

Self, spouse/live-in partner, children (up to 25 years of age)

Cover-

  • 4 Lakhs
  • 5 Lakhs

 

 

 

 

 

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Medi

Self, spouse/live-in partner, children (up to 25 years of age), 2 parents, and 2 parents-in-law

Cover-

  • 6 Lakhs
  • 7 Lakhs
  • 8 Lakhs
  • 9 Lakhs
  • 10 Lakhs

 

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Max

Self, spouse, live-in partner, children (up to 25 years of age), parents, and parents-in-law

Cover-

  • 11 Lakhs
  • 12 Lakhs
  • 13 Lakhs
  • 14 Lakhs
  • 15 Lakhs

 

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Wellness benefits you will receive

Our Wellness benefits include value-added services and Wellness reward points. Our Wellness partners will conduct these services and you can avail these benefits on our FG Insure app by buying our D.I.Y Health.

 

D.I.Y Health covers the physical and mental wellness of your entire family. You can also earn reward points through various wellness activities. These include

Stress & Happiness Index score

Expert wellness assessment

Lifestyle and fitness monitoring

Participation in FGII organized events

Fitness/ Healthy Lifestyle tracking

Enrolment to Wellness

What are the value-added services?

Under this benefit, the insured person above 18 years is eligible to avail the following benefits:

Tele counselling

You get access to two tele counselling sessions with a clinical psychologist to maintain and improve the quality of your life.You can book the tele counselling sessions through FG Insure App.

Health Contents

You will have access to articles and blogs that provide information on topics related to physical and mental wellness.

Webinars

You will get access to webinars held on the FG Insure App on topics related to physical and mental wellness. 

Vouchers

You will get discount vouchers from our partner tie-ups, which can be used for maintaining a healthy lifestyle, diagnostics, medicines, etc. You can find the voucher details on the FG Insure App. 

Health check-up

All insured members over 18 years are eligible for availing of a 'Health Check-up' under the policy. The health check-up can be conducted from the 1st year of the policy with us. You can avail of a health check-up at our partner diagnostic centres only. Click here for list of tests covered under Health Check-up.

What are wellness reward points?

Sr. No.

Criteria

Frequency Allowed

Max. Points

1.

Enrolment to wellness

Once/year

15

2.

Stress & Happiness Index score

2 times/year

20

3.

Expert Wellness Assessment

Once/year

40

4.

Participation in FGII organized events (as and when organized) and viewing of FGII content around wellness

As planned by FGII

20

5.

Lifestyle disease monitor  

• Hypertension- Blood pressure  

• Obesity- BMI 

• Diabetes- Hb A1C  

• Cardiac Health- Sr. Cholesterol, Triglycerides

Once/year

45

6.

Fitness/ Healthy Lifestyle tracking- (Any one activity) 

• Daily step tracking (monthly average of 10000 steps/day) 

• Burning an average of 300 calories per day in a month 

• Submission of monthly Gym /yoga membership detail  

• Participation in Marathon, Cyclathon, etc.

Monthly

60

Total Points

200

Conditions applicable for earning the reward points-

The insured person must be above 18 years to be eligible to earn wellness points. 

There is no limit to the number of programs you can enroll in. But, the maximum reward points per policy year is limited to 200/member. 

Conditions for earning Reward Points will be the same for all the insured persons. 

How can I buy D.I.Y Health?

Follow these steps to get your cover:

  • Get your Base Cover 1

    Get your Base Cover

    We give you 17 benefits
    with the plan
  • Select minimum 3 Add on covers 2

    Select minimum 3 Add on covers

    You can also choose to further enhance your plan by simply picking add on covers.

    Note: Please ensure 3 add on covers are selected
  • Select sub-limits for Base & Add on cover 3

    Select sub-limits for Base & Add on cover

    Some benefits have sub limit
    which will need to be selected
What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.

  • Health Card for Cashless Treatment Use this for the cashless facility at our network hospitals.
  • Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
  • Premiums Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
  • 80D Tax Deduction Certificate 80D certificate if premium is paid by cheque.
  • Policy Coverage and Terms & Conditions This is a partial description of the covers. Please read the policy wordings for complete details on the terms and conditions.
  • Claim Form You can intimate your claim online or submit the form to your nearest branch or alternatively email us.
  • Complaint/Feedback Form If you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
  • Grievance Redressal If you aren’t satisfied with our response to your complaint, you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the ombudsman, along with the addresses of the ombudsman.

FG Pocket Clinic

Get access to specialized doctor consultations right at your fingertips.

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What is the claim process?

  • 1

    Visit the insurance desk of your nearest FG network hospital and show your health card

  • 2

    The hospital will verify your identity and submit a duly-filled form with Future Generali

  • 3

    You can get admitted and receive the treatment without any deposit

  • 4

    Once you are discharged, the hospital will send your claim documents to Future Generali and we will settle the amount directly with them.

What is the reimbursement claim process?

  • 1

    After you are discharged from the hospital, pay all the bills and collect the original documents

  • 2

    Download and fill out the DIY Health claim form

  • 3

    Submit all original documents to your nearest Future Generali branch

  • 4

    We will settle the claim subject to policy terms and conditions

FAQs – Frequently asked questions

Why should I choose Future Generali D.I.Y Health?

D.I.Y Health is created especially to help you customize your health insurance plan according to your unique needs. It gives you access to all exclusive benefits and coverages that you desire.

What are the sum insured options for D.I.Y Health?

You can opt for these sum insured options on individual and floater sum insured basis- 4L, 5L, 6L, 7L, 8L, 9L, 10L, 11L, 12L, 13L, 14L, 15L.

What are the policy periods available for D.I.Y Health?

D.I.Y Health is available for 1, 2, and 3 years.

What is the age eligibility for this policy?

The minimum entry age for the policy is as follows-

Adults- 18 to 65 years

Children- 1 day to 25 years

What is the 'family' definition?

A ‘family’ can include Self, Spouse, Children, Parents, Parents-in-law, Dependent Siblings, Daughter-in-law, Son-in-law, Grandparents, and Grandchildren.

 

You can insure a maximum of 15 members under one policy on either individual or floater sum-insured basis.

Will there be pre-policy checkups for buying this policy?

Yes. Depending on your age and plan, you will have to undergo a pre-policy checkup.

 

·         Mini- Pre-policy checkup of the insured person over 50 years

·         Medi- Pre-policy checkup of the insured person over 50 years

·         Max- Pre-policy checkup required for all insured members

Will I get a discount if I am insuring more than one family member in the same policy?

Yes, you can get a 10% family discount under Individual D.I.Y Health if you insure more than one member under a single policy. No family discount is available for the floater policy.

What optional benefits can I choose?

You can select a minimum of optional benefits from the following-

 

·         Maternity benefits

·         Road ambulance

·         Emergency air ambulance

·         Daily hospital cash

·         Convalescence benefit

·         Accompanying person

·         Accidental death of primary member

·         Accidental death of spouse

·         Critical illness booster

·         Cumulative illness booster

·         Accident booster

·         Non-medical and expenses consumables cover

·         Home health care

·         Alternative treatments

·         Voluntary co-payment

·         Voluntary deductible option

What is the cashless claim process?

Here is how you can file your claim in minutes:

 

·         Visit the insurance desk of your nearest Future Generali Network Hospital and show your health card for Cashless Treatment

·         The Network Hospital will verify your identity and submit the pre-authorization form to Future Generali

·         You get admitted without any deposit and enjoy a cashless treatment

·         Once you are discharged, the hospital will send your claim documents to Future Generali and we will directly settle the amount with the hospital

What is the reimbursement claim process?

Our claim settlement process is fast and reliable:

 

·         When you are discharged, pay all hospital bills and collect all original documents of your treatment and bills

·         Download the D.I.Y Health claim form and fill it 

·         Submit original documents to the nearest Future Generali branch

·         We will settle the claim as per the policy terms and conditions

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PRODUCT NAME: D.I.Y HEALTH | UIN NO: FGlHLlP24025V012324 | LAUNCH DATE: 02nd JUNE 2023

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