Future Generali D.I.Y. Health Insurance

Overview

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.

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.

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

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:

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.