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D.I.Y Health
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D.I.Y Health
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Know more about the plans that we offer
With D.I.Y Health plan, you can enjoy the following benefits:
Base Covers
With D.I.Y Health plan, you can enjoy the following benefits
| Mini | Medi | Max | |
|---|---|---|---|
| Sum Insured With D.I.Y Health plan, you can enjoy the |
₹4L, ₹5L |
₹6L,₹7L, ₹8L, ₹9L, ₹10L |
₹11L, ₹12L, ₹13L, ₹14L, ₹15L |
| Hospitalization We cover all your hospitalization expenses up to your |
Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Day Care We pay for your medical treatment if you get hospitalized |
530 procedures covered |
530 procedures covered |
530 procedures covered |
| 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. |
30 / 60 / 90 days |
30 / 60 / 90 days |
30 / 60 / 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. |
60 / 90 / 120 days |
60 / 90 / 120 days |
60 / 90 / 120 days |
| Tenure Depending on your preference, you can select an insurance |
Monthly : 5% |
Monthly : 5% |
Monthly : 5% |
| Modern Treatment Methods | 50% of Sum Insured, up to ₹5L |
50% of Sum Insured, up to ₹5L |
50% of Sum Insured, up to ₹5L |
| Organ Donor Expenses If you need an organ transplant, we will cover the charges |
Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Cataract Surgery (Per Eye) If you need a cataract surgery, we will cover the expenses |
Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Bariatric Surgery (4 years waiting period; Portability and Migration not applicable) | Up to 50% of Sum Insured subject to maximum of ₹5,00,000 |
Up to 50% of Sum Insured subject to maximum of ₹5,00,000 |
Up to 50% of Sum Insured subject to maximum of ₹5,00,000 |
| HIV / AIDS We will pay for your medical treatment for HIV/AIDS. |
Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Mental / Psychiatric Conditions and Neurodevelopmental Disorders If you need medical care for mental/ psychiatric illness, |
Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Cumulative Bonus This is the extra sum insured that we offer without increasing |
Additional Sum Insured of 25% on every claim free year, up to a max of 100% |
Additional Sum Insured of 25% on every claim free year, up to a max of 100% |
Additional Sum Insured of 25% on every claim free year, up to a max of 100% |
| 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 meet the following conditions :
|
100% of base Sum Insured, excluding cumulative bonus |
100% of base Sum Insured, excluding cumulative bonus |
100% of base Sum Insured, excluding cumulative bonus |
| Mandatory Co-pay | 20% for insured persons aged 61-65 years. |
20% for insured persons aged 61-65 years. |
20% for insured persons aged 61-65 years. |
| Wellness Benefits The policy will also cover wellness benefits like |
Covered |
Covered |
Covered |
| Room Rent (Normal Room) – Proportional Deductions will be applicable (discount for 1% capping)Wellness Benefits |
1% / No capping |
1% / No capping |
1% / No capping |
| ICU Charges We will also take care of your ICU charges. |
2 times of the Room Rent selected / “No Capping” will be applicable, in case Room Rent is selected with “No Capping” |
2 times of the Room Rent selected / “No Capping” will be applicable, in case Room Rent is selected with “No Capping” |
2 times of the Room Rent selected / “No Capping” will be applicable, in case Room Rent is selected with “No Capping” |
| OPD Cover (Diagnostics, Medications, Consultations covered) Restoration for Mental illness We will cover your OPD expenses if you visit a hospital or |
₹2,000 / ₹3,000* |
₹3,000 / ₹5,000 Comprehensive cover |
₹5,000 / ₹7,500 / ₹10,000 |
| LASIK Surgery (1/2 years waiting period) Will be part of Named Ailments list We will cover your LASIK surgery expenses if you meet the following conditions :
|
₹30,000 / ₹50,000 for both eyes |
₹50,000 / ₹75,000 for both eyes |
₹75000 / ₹1,00,000 for both eyes |
| Gender Reassignment Surgery We will pay for your gender reassignment surgery after a waiting period of 4 years. |
₹1,00,000 |
₹1,00,000 |
₹1,00,000 |
| Screening and Vaccinations (Reimbursement Basis) We will cover the charges for diagnostic tests and vaccinations for the following. :
|
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year) |
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year) |
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year) |
Sum Insured
With D.I.Y Health plan, you can enjoy the following benefits
Mini
₹4L, ₹5L
Medi
₹6L, ₹7L, ₹8L, ₹9L, ₹10L
Max
₹11L, ₹12L, ₹13L, ₹14L, ₹15L
Hospitalization
We cover all your hospitalization expenses up to your selected Sum Insured.
Mini
Up to Sum Insured
Medi
Up to Sum Insured
Max
Up to Sum Insured
Day Care
We pay for your medical treatment if you get hospitalized for less than 24 hours.
Mini
530 procedures covered up to Sum Insured
Medi
530 procedures covered up to Sum Insured
Max
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.
Mini
30 / 60 / 90 days
Medi
30 / 60 / 90 days
Max
30 / 60 / 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.
Mini
60 / 90 / 120 days
Medi
60 / 90 / 120 days
Max
60 / 90 / 120 days
Tenure
Depending on your preference, you can select an insurance plan for 1, 2, or 3 years.
Mini
Monthly : 5%
Quarterly : 4%
Semi-annually : 3%
Annually (for 2, 3 year policies) : 0%
Medi
Monthly : 5%
Quarterly : 4%
Semi-annually : 3%
Annually (for 2, 3 year policies) : 0%
Max
Monthly : 5%
Quarterly : 4%
Semi-annually : 3%
Annually (for 2, 3 year policies) : 0%
Modern Treatment Methods
Mini
50% of Sum Insured, up to ₹5L
Medi
50% of Sum Insured, up to ₹5L
Max
50% of Sum Insured, up to ₹5L
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.
Mini
Up to Sum Insured
Medi
Up to Sum Insured
Max
Up to Sum Insured
Cataract Surgery (Per Eye)
If you need a cataract surgery, we will cover the expenses up to 20% of the sum insured, with a maximum of Rs. 1 lakh. You can make a claim for Cataract surgery after a waiting period of up to 24 months.
Mini
20% of SI maximum up to ₹1 lakh
Medi
20% of SI maximum up to ₹1 lakh
Max
Up to Sum Insured
Bariatric Surgery (4 years waiting period; Portability and Migration not applicable)
Mini
Up to 50% of Sum Insured
subject to maximum of ₹5,00,000
Medi
Up to 50% of Sum Insured
subject to maximum of ₹5,00,000
Max
Up to 50% of Sum Insured
subject to maximum of ₹5,00,000
HIV / AIDS
We will pay for your medical treatment for HIV/AIDS.
Mini
Up to Sum Insured
Medi
Up to Sum Insured
Max
Up to Sum Insured
Mental / Psychiatric Conditions and Neurodevelopmental Disorders
If you need medical care for mental/ psychiatric illness, the policy will take care of the expenses.
Mini
Up to Sum Insured
Medi
Up to Sum Insured
Max
Up to Sum Insured
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.
Mini
Additional Sum Insured of
25% on every claim free year, up to a max of 100%
Medi
Additional Sum Insured of
25% on every claim free year, up to a max of 100%
Max
Additional Sum Insured of
25% on every claim free year, up to a max of 100%
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 meet the following conditions : You must use the restore sum insured for the same or new illness You can use the restore sum insured once in a lifetime for chemotherapy
Mini
100% of base Sum Insured, excluding cumulative bonus
Medi
100% of base Sum Insured, excluding cumulative bonus
Max
100% of base Sum Insured, excluding cumulative bonus
Mandatory Co-pay
Mini
20% for insured persons aged 61-65 years.
Medi
20% for insured persons aged 61-65 years.
Max
20% for insured persons aged 61-65 years.
Wellness Benefits
The policy will also cover wellness benefits like tele counselling, health contents, webinars, vouchers, and health checkups.
Mini
Covered
Medi
Covered
Max
Covered
Room Rent (Normal Room) – Proportional Deductions will be applicable (discount for 1% capping)Wellness Benefits
Mini
1% / No capping
Medi
1% / No capping
Max
1% / No capping
ICU Charges
We will also take care of your ICU charges.
Mini
2 times of the Room Rent
selected / “No Capping” will
be applicable, in case Room Rent is selected with “No Capping”
Medi
2 times of the Room Rent
selected / “No Capping” will
be applicable, in case Room Rent is selected with “No Capping”
Max
2 times of the Room Rent
selected / “No Capping” will
be applicable, in case Room Rent is selected with “No Capping”
OPD Cover (Diagnostics, Medications, Consultations covered) Restoration for Mental illness
We will cover your OPD expenses if you visit a hospital or clinic for diagnosis and treatment at the recommendation of a doctor.
Mini
₹2,000 / ₹3,000*
Mental illness OPD for ₹4L and comprehensive cover from ₹5L
Medi
₹3,000 / ₹5,000 Comprehensive cover
Max
₹5,000 / ₹7,500 / ₹10,000
Comprehensive cover
LASIK Surgery (1/2 years waiting period) Will be part of Named Ailments list
We will cover your LASIK surgery expenses if you meet the following conditions : The refractive error is more than or equal to +7.5 diopters You can make a claim for LASIK surgery only once during the entire policy tenure
Mini
₹30,000 / ₹50,000 for both eyes
Medi
₹50,000 / ₹75,000 for both eyes
Max
₹75,000 / ₹1,00,000 for both eyes
Gender Reassignment Surgery
We will pay for your gender reassignment surgery after a waiting period of 4 years.
Mini
₹1,00,000
Medi
₹1,00,000
Max
₹1,00,000
Screening and Vaccinations (Reimbursement Basis)
We will cover the charges for diagnostic tests and vaccinations for the following. : Screening for breast cancer Hepatitis-B vaccination HPV vaccination Screening for cervical cancer- PAP smear HIV test
Mini
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year)
Medi
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year)
Max
Screening for breast cancer (Mammography every 3 years) Hepatitis-B vaccination complete course (once in a lifetime) Screening for cervical cancer (PAP Smear test every 3 year) HIV Test Elisa (every 3 year)
Add on Covers (If opted,
then minimum 3 covers to be picked) With the D.I.Y Health plan, you can opt for a minimum of 3 of the following optional benefits.
then minimum 3 covers to be picked) With the D.I.Y Health plan, you can opt for a minimum of 3 of the following optional benefits.
| Mini | Medi | Max | |
|---|---|---|---|
| Maternity Benefits (Pre and Post-Natal Expenses) Plan A-Normal- ₹20,000/ Caesarean-₹30,000 Plan B- Normal- ₹30000/ Caesarean- ₹50,000 Plan C- Normal- ₹50000/ Caesarean- ₹75,000 Plan D- Normal- ₹75000 / Caesarean- ₹10,0000 |
Plan A |
Plan A |
Plan A |
| Pre-natal Expenses (OPD not covered) | 30 days |
60 days |
90 days |
| Post-natal Expenses (OPD not covered) | 45 days |
45 days |
45 days |
| Road Ambulance | ₹1,000/ ₹1,500/ ₹2,000 |
₹1,500/ ₹2,000/ ₹3,000 |
₹2,000/ ₹3,000/ ₹5,000 |
| Emergency Air Ambulance (Only in India) | ₹1,00,000 |
₹3,00,000 |
₹5,00,000 |
| Daily Hospital Cash (Minimum 24 Hours, Maximum 5 Days) | ₹250/ ₹500/ ₹1,000 |
₹500/ ₹1,000/ ₹1,500/ ₹2,000 |
₹1,500/ ₹2,000/ ₹2,500 |
| Convalescence Benefit (Continuous Hospitalization for 10 Days or More) | ₹5,000/ ₹10,000 |
₹5,000/ ₹10,000 |
₹5,000/ ₹10,000 |
| Accompanying Person (if the insured patient is under 12 years) | ₹250/ ₹500 |
₹500/ ₹750/ ₹1,000 |
₹1,500/ ₹2,000 |
| Accidental Death | ₹1L, ₹2L |
₹2L, ₹3L, ₹4L |
₹3L, ₹4L, ₹5L |
| Critical Illness Booster | 1.5 times/ 2 times of Sum Insured |
1.5 times/ 2 times of Sum Insured |
1.5 times/ 2 times of Sum Insured |
| Non-medical and Consumables Expenses Cover | Coverage as per List-I, up to 15% of admissible claims |
Coverage as per List-I, up to 15% of admissible claims |
Coverage as per List-I, up to 15% of admissible claims |
| Home Health Care | Up to 20% of Sum Insured |
Up to 20% of Sum Insured |
Up to 20% of Sum Insured |
| Alternative Treatments | Up to Sum Insured |
Up to Sum Insured |
Up to Sum Insured |
| Cumulative Bonus Booster | 100% increase every year, up to 500% of Sum Insured |
100% increase every year, up to 500% of Sum Insured |
100% increase every year, up to 500% of Sum Insured |
| Voluntary Co-pay | 10%, 20%, 30% |
10%, 20%, 30% |
10%, 20%, 30% |
| Deductible (on aggregate basis) | ₹10,000/ ₹25,000/ ₹50,000 |
₹10,000/ ₹25,000/ ₹50,000 |
₹50,000/ ₹75,000/ ₹1,00,000 |
Maternity Benefits (Pre and Post-Natal Expenses)
Plan A-Normal- ₹20,000/ Caesarean- ₹30,000 Plan B- Normal- ₹30,000/ Caesarean- ₹50,000 Plan C- Normal- ₹50,000/ Caesarean- ₹75,000 Plan D- Normal- ₹75,000 / Caesarean- ₹10,0000
Mini
Plan A
Plan B
Medi
Plan A
Plan B
Plan C
Max
Plan A
Plan B
Plan C
Plan D
Pre-natal Expenses (OPD not covered)
Mini
30 days
Medi
60 days
Max
90 days
Post-natal Expenses (OPD not covered)
Mini
45 days
Medi
45 days
Max
45 days
Road Ambulance
Mini
₹1,000/ ₹1,500/ ₹2,000
Medi
₹1,500/ ₹2,000/ ₹3,000
Max
₹2,000/ ₹3,000/ ₹5,000
Emergency Air Ambulance (Only in India)
Mini
₹1,00,000
Medi
₹3,00,000
Max
₹5,00,000
Daily Hospital Cash (Minimum 24 Hours, Maximum 5 Days)
Mini
₹250/ ₹500/ ₹1,000
Medi
₹500/ ₹1,000/ ₹1,500/ ₹2,000
Max
₹1,500/ ₹2,000/ ₹2,500
Convalescence Benefit (Continuous Hospitalization for 10 Days or More)
Mini
₹5,000/ ₹10,000
Medi
₹5,000/ ₹10,000
Max
₹5,000/ ₹10,000
Accompanying Person (if the insured patient is under 12 years)
Mini
₹250/ ₹500
Medi
₹500/ ₹750/ ₹1,000
Max
₹1,500/ ₹2,000
Accidental Death
Mini
₹1L, ₹2L
Medi
₹2L, ₹3L, ₹4L
Max
₹3L, ₹4L, ₹5L
Critical Illness Booster
Mini
1.5 times/ 2 times of Sum Insured
Medi
1.5 times/ 2 times of Sum Insured
Max
1.5 times/ 2 times of Sum Insured
Accident Booster
Mini
1.5 times/ 2 times of Sum Insured
Medi
1.5 times/ 2 times of Sum Insured
Max
1.5 times/ 2 times of Sum Insured
Non-medical and Consumables Expenses Cover
Mini
Coverage as per List-I, up to 15% of admissible claims
Medi
Coverage as per List-I, up to 15% of admissible claims
Max
Coverage as per List-I, up to 15% of admissible claims
Home Health Care
Mini
Up to 20% of Sum Insured
Medi
Up to 20% of Sum Insured
Max
Up to 20% of Sum Insured
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