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Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali D.I.Y. Health Insurance
Future Generali DIY is a customizable health insurance policy that all ...Read More
Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
About Future Generali D.I.Y. Health Insurance
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
The Future Generali D.I.Y. Health Plan lets you build your own health insurance by choosing the coverage and add-ons you actually need. Instead of a fixed plan, you can pick from a set of benefits and create a policy that suits your budget and health needs.
It covers basic hospitalization, pre and post-hospitalization expenses, and also gives options like maternity, OPD, and wellness benefits through add-ons. You need to select a minimum number of covers to activate the plan.
This plan is useful if you want flexibility and control, but the final coverage depends on what you choose, so it’s important to select wisely.
It comes with 17 in-built benefits plus add-on covers (choose a minimum of 3 for an enhanced plan) for an extra layer of protection. A major highlight of the plan is coverage for gender reassignment treatment, which is rarely found in other health plans.
Additionally, you can opt for desired sub-limits for coverage and multiple wellness benefits such as yearly health check-ups and health and fitness webinars.
This page details all aspects of the Future Generali DIY Health Insurance plan, including eligibility criteria, benefits, waiting periods, coverage specifications, and exclusions. Review the details to make an informed decision.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
17 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹4 L, ₹6 L, ₹8 L, ₹10 L, ₹12 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Room rent
- ICU charges
- pre and post-hospitalization
Cons
- Investigation and evaluation
- rest cure and rehabilitation
- and respite care
- obesity and weight control management
- sterility and infertility treatments
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Not covered
Benefits of Future Generali D.I.Y. Health Insurance
-
Bariatric surgery
Covered up to 50% of the base sum insured, up to 5 Lakh for a policy year.
-
HIV/AIDS cover
The insurer pays for HIV/AIDS up to the sum insured or sub-limits that you choose.
-
LASIK surgery cover
It is covered if the refractive error is more than or equal to +7.5 dioptre and can be claimed once during the policy term.
-
Mental and psychiatric treatment
This cover will provide related expenses for the treatment of mental illness or psychiatric disease.
-
Gender reassignment surgery
Gender reassignment treatments such as vaginoplasty, phalloplasty, scrotoplasty, etc., will be covered after a waiting period of 4 years, a major USP of the plan.
-
Screening and vaccination
Screening and vaccinations for breast cancer, Hepatitis-B, HPV, cervical cancer (PAP smear), and HIV tests, along with diagnostic charges for these diseases, are covered by Future Generali Health Insurance.
-
Wellness benefits
Get covered for wellness benefits such as tele-counseling, health content, webinars, vouchers, and health check-ups to avail maximum healthcare benefits.
-
Modern treatment care
The insurer will pay for modern treatment methods up to 50% of the sum insured and a maximum of 5 Lakh for each policy year.
Future Generali Health Insurance Network Hospital List
Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Uterine Artery Embolization and HIFU
- Balloon Sinuplasty
- Deep brain stimulation
- Oral chemotherapy
- Immunotherapy (Monoclonal antibody injections)
- Intravitreal injections
- Robotic surgeries
- Stereotactic radiosurgeries
- Bronchial thermoplasty
- Vaporization of the prostate (Green laser treatment or holmium laser treatment)
- IONM (Intraoperative Neuromonitoring)
- Stem cell therapy (Hematopoietic stem cells for bone marrow transplant for hematological conditions)
Exclusions
- Expenses related to pre-existing diseases
- Hazardous or adventure sports
- Sexually transmitted diseases other than HIV/AIDS
- Investigation and evaluation
- Rest cure, rehabilitation, and respite care
- Attempted suicide or self-inflicted injury
- Joint replacement surgery: 36 months
- Cataracts, Benign Prostatic Hypertrophy, Hernia, and Tumors: 12/24 months
- Gender reassignment surgery: 4 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 17 years
- Max entry age: 70 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to 15 Lakh
Other features & benefits
Specifications of the Future Generali D.I.Y. Health Insurance
The FG DIY health insurance plan comes in three variants: Mini, Medi, and Max, with the following specifications:
| Plan variants | Mini | Medi | Max |
| Sum insured options | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L | 11 L | 12 L | 13 L | 14 L | 15 L |
| Relationships Covered | Self, spouse/live-in partner, children (up to 25 years) | Self, spouse/live-in partner, children (up to 25 years), 2 parents, and 2 parents-in-law | Self, spouse, live-in partner, children (up to 25 years), parents, and parents-in-law |
Summary
The Future Generali D.I.Y. Health Plan offers unparalleled flexibility, allowing you to personalize your health insurance by selecting specific coverage benefits. This ensures you receive comprehensive protection tailored to your individual needs and preferences. With the freedom to choose, the FG DIY health policy empowers you to build a plan that truly suits you.
Future Generali DIY Health Insurance: FAQs
The 5 most-asked questions about Future Generali D.I.Y. Health Insurance, answered.
An insured individual who is 18+ can avail of the following benefits under this policy: - Tele-counselling through Future Generali insure application - Health content consumption about physical and mental well-being - Access the webinars related to physical and mental wellness - Collecting vouchers to avail of additional benefits like medication and diagnostics at the networking hospitals - Can avail of the yearly health check-up benefits to maintain a healthy and balanced lifestyle
You get the facility of customizing your health insurance policy on your terms and amend any benefits as per requirements.
Yes, pre-policy medical assessment is needed as per the opted plan and the insured’s age, see below the details: a) Mini: Insured over 50 years b) Medi: Insured over 50 years c) Max: For all the insured members
Here are the optional covers under the FG DIY health insurance plan: -Maternity benefits -Road ambulance -Emergency air ambulance -Daily hospital cash Convalescence benefit -Accompanying person cover -Accidental death of the primary member -Accidental death of spouse -Critical illness booster -Cumulative illness booster -Accident booster Non-medical and expense consumables cover -Home health care -Alternative treatments -Voluntary co-payment -Voluntary deductible option
Step 1: Buy the policy; the insurer will provide you with 17 base covers Step 2: Now, select at least a minimum of 3 add-on covers to enhance your policy (you can add even more) Step 3: Select sub-limits for your base and add-on covers separately
Explore Future Generali Health Insurance
Future Generali Health Premium Calculator
Future Generali Maternity Insurance
Future Generali Claim Settlement Ratio
Future Generali Renewal
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