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 3 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, Yoga and Naturopathy, 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.
GC Insure App
Manage your Wellness Benefits with D.I.Y Health.
Why buy D.I.Y Health?
Choose what suits you
You have the freedom to choose the covers you only want.
Pay for what you want
We give you an option to pick the covers that suit you and only pay for them.
Wellness Benefit
Comes with value added services like medical check ups, tele-counselling, webinars, and wellness reward points can be used for renewal discount.
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.
Flexible payments
We give you option to pay monthly, quarterly, half-yearly, and annually in case of long-term policies.
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 GC 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 GCI 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 GC 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 GC 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 GC 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.
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 GC 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 GC 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 GC 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 GCI organized events (as and when organized) and viewing of GCI content around wellness | As planned by GCI | 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
We give you 17 benefits with the plan
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
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.
GCI Pocket Clinic
Get access to specialized doctor consultations right at your fingertips.
What is the claim process?
Visit the insurance desk of your nearest Generali Central network hospital and show your health card
The hospital will verify your identity and submit a duly-filled form with Generali Central
You can get admitted and receive the treatment without any deposit
Once you are discharged, the hospital will send your claim documents to Generali Central and we will settle the amount directly with them.
What is the reimbursement claim process?
After you are discharged from the hospital, pay all the bills and collect the original documents
Download and fill out the DIY Health claim form
Submit all original documents to your nearest Generali Central branch- We will settle the claim subject to policy terms and conditions
FAQs – Frequently asked questions
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.
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.
D.I.Y Health is available for 1, 2, and 3 years.
The minimum entry age for the policy is as follows-
Adults- 18 to 65 years
Children- 1 day to 25 years
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.
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
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.
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
Here is how you can file your claim in minutes:
· Visit the insurance desk of your nearest Generali Central Network Hospital and show your health card for Cashless Treatment
· The Network Hospital will verify your identity and submit the pre-authorization form to Generali Central
· You get admitted without any deposit and enjoy a cashless treatment
· Once you are discharged, the hospital will send your claim documents to Generali Central and we will directly settle the amount with the hospital
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 Generali Central branch
· We will settle the claim as per the policy terms and conditions
Need to know more about Health Insurance?
❮
❯
Health Insurance
How GST Reform Affect Health Insurance Premiums?
The recent GST reforms have scrapped the 18% GST on health insurance. Learn how recent GST reforms affect health insurance premiums and more.
The recent GST reforms have brought relief for health insurance policyholders. Starting from 22nd September 2025, health insurance premiums will be completely exempted from tax liabilities, which currently stand at 18% GST. This reform was introduced after the 56th GST council meeting under the leadership of Finance Minister Nirmala Sitharaman.
As a policyholder or an individual looking to purchase a reliable health insurance policy, it is important to understand how GST reforms can affect the premium paid under a health insurance plan. Let’s get into the details.
Health Insurance
Different Types of Health Insurance Policies in India
The rising medical expenses have made health insurance a necessity for Indians. There are different types of health insurance available that suit different health needs. Whether it is for an individual, a family, elderly members, critical illnesses, existing diseases, or other health-related needs, there is a suitable plan for everyone. This guide discusses different types of health insurance plans available in India.
Health Insurance
Is it Better to Have a Low or High Deductible?
Health Insurance
What to Eat During Intermittent Fasting
Health Insurance
Is Intermittent Fasting Good for Health?
Health Insurance
Can I Get Health Insurance for a New Born Baby
Health Insurance
Difference Between Riders and Add-on Covers in Health Insurance
Health Insurance
Consumables Coverage Health Insurance Explained
Health Insurance
Top 5 Benefits of Having Health Insurance for Your Family
Health Insurance
Chemotherapy duration: How long treatment typically lasts
Download documents
PRODUCT NAME: D.I.Y HEALTH | UIN NO: GCIHLIP26046V022526 | LAUNCH DATE: 1st APRIL 2026