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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 DETAILS |
Future Generali Diy Health Insurance |
Star Family Health Optima Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 17 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 5864 | 25318 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, OPD cover available | - |
| Plan Sample Premium | 5864 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | upto 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.5 | 99.06 |
| Solvency Ratio | 1.96 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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