Health Insurance: Buy Medical Insurance Plans Online in India
Choosing the right health insurance is crucial, especially with medical costs going up every year. Government statistics reveal that a significant 83.7% of Indians use their own household income or savings to cover hospital bills, and more than 12% depend on loans or financial assistance from family and friends to manage these costs.
In India, these costs can jump by 12-14% annually. That's why it's important to think about health insurance policy as something you'll need for a long time, about 30-35 years, to make sure you're covered no matter what happens down the road.
In this article, you will discover the importance of health insurance and how Digit Insurance can help you meet the rising healthcare costs for yourself and your family. Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalization - due to Accident, Illness, Critical Illness or COVID
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
Initial Waiting Period
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Wellness Program
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
Sum Insured Back Up
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Cumulative Bonus
Digit Special
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Room Rent Capping
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Day Care Procedures
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Worldwide Coverage
Digit Special
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
Health Check-up
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
Emergency Air Ambulance Expenses
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Age/Zone Based Co-payment
Digit Special
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
Pre/Post Hospitalization
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
Pre-Existing Disease (PED) Waiting Period
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
Specific Illness Waiting Period
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
Inbuilt Personal Accident Cover
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Organ Donor Expenses
Digit Special
Digit Special
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Domiciliary Hospitalization
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Bariatric Surgery
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalization for this treatment is for cosmetic reasons.
Psychiatric Illness
If due to a trauma, a member has to be hospitalized for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Consumables Cover
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Health Insurance Add-on Options with Digit
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy.
Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.
You can reduce your pre-existing disease waiting period to up to 2 years.
On opting for this optional cover, we pay your hospitalization expenses when you choose a registered AYUSH Hospital.
This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalized in non-network hospital.
What’s not covered?
Pre-natal and post-natal medical expenses, unless it leads to hospitalization.
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.
Key Benefits of Health Insurance by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
| Co-payment | No |
|---|---|
| Room Rent Capping | No |
| Cashless Hospitals | 16400+ Network Hospitals across India |
| Inbuilt Personal Accident Cover | Yes |
| Wellness Benefits | Available from 10+ Wellness Partners |
| City Based Discount | Up to 10% Discount |
| Worldwide Coverage | Yes* |
| Good Health Discount | Up to 5% Discount |
| Consumables Cover | Available as an Add-on |
*Available only on Worldwide Treatment Plan
All is Well - Wellness Benefits for All Health Customers
Our Wellness Program is an effort in helping you reach your goal of healthy life. It aims to help you achieve a healthy lifestyle through a range of discounts and benefits on health and fitness services.
Additionally, our program includes informative sessions and programs that can help you become more aware of your health and empower you to take better care of yourself. With our wellness program, we strive to provide you with the awareness and resources needed to stay in the pink of your health!
Some of our Wellness Benefits are:
- Teleconsultations with general physicians
- Offers and discounts on dental consultations
- Discounts on health checks and diagnostics
- Cashbacks on online medicine orders
- Access to Yoga sessions by professionals and many more offers.
How to Buy Health Insurance Policy Online?
With all digital friendly and hassle-free process, buying Insurance at Digit is as easy as A.B.C. with just a few simple steps:
Step 1
On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices’.
Step 2
Select family members to insure, add age of the eldest member and click ‘Continue' to choose your Sum Insured, Plan and Add-ons.
Step 3
Next, enter the details of each family member and click ‘Pay Now' to complete the payment and mandatory KYC verification process.
Step 4
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Documents Required to Buy Digit Health Insurance
For buying a health insurance plan with Digit, you will be required to provide the below documents for identity verification, proof of residence and age verification.
- Aadhaar Card
- PAN Card
- Voter’s ID
- Passport
- Driving License
- 10th or 12th grade mark sheets
Disclaimer: The documents listed above are the standard requirements for purchasing Digit Health Insurance. However, additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider for a comprehensive list of required documents.
How to Download a Health Insurance Policy?
With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website or app.
Steps to Download Your Digit Health Insurance Policy through Website
- Step 1: Sign-in to your account on our website.
- Step 2: Click on the ‘Download Policy’ option to download your policy.
Steps to Download Your Digit Health Insurance Policy through App
- Step 1: Login to ‘Digit Insurance App’ using your number.
- Step 2: Click on My Policies section and all your policy documents can be viewed there.
- Step 3: Select the policy and click on Download Policy option.
The policy document will be at your fingertips without any hassle.
How to Download the Health e-Card?
Follow the below steps to download the e-card for Digit Health Insurance
- Step 1: Login to ‘Digit Insurance App’ using your number.
- Step 2: Click on My Policies on the bottom right of the screen.
- Step 3: Select the e-card and click on Download Policy option.
How to File a Claim?
We believe in transparency, so you know exactly what to expect during a health insurance claim.
For Cashless claims, please reach out to the Hospital helpdesk at one of our network hospitals. For any other queries, you can reach out to us through the contact details mentioned here.
For Reimbursement claims, you can file a claim online or reach out to our customer care.
Refer for more information about Digit cashless network hospitals, List of excluded hospitals, anywhere cashless hospitals etc.
Refer this link for checking the health claim status.
Documents Required to File a Claim
Below is a concise overview of the essential documents required to file your claim.
- Claim form (filled & signed) - if required
- Discharge summary
- Hospital bills (original, with breakdown)
- Prescriptions with pharmacy bills
- Consultations paper & investigation report
- KYC and bank details (with a cancelled cheque)
Note: The documents listed above are the standard requirements for filing an insurance claim. The company might ask for additional documents based on your requirement or policy terms.
Digit's Cashless Network Hospitals
List of 16400+ Network Hospitals >From the Hearts of Our Happy Customers
Nothing can be better than helping when someone needs it, thanks Go Digit for an extremely hassle-free experience. Regular support through call and email, claim filing by Go Digit only as I was facing difficulty and claim credited to my account within 2 days of completion of process. I would recommend others too to go for Go Digit only.
Services of Go Digit is awesome, especially Mr. Yasser Amin surveyor is very kind and cooperative. So, I strongly recommend Go Digit. When buying the policy, I was hesitating as it is new player in the insurance sector but after using its services, I am satisfied. I give 5 out of 5 star to Go Digit. Cash less claim network is also fabulous. I wish Go Digit to be No 1 company in coming years.
Prompt follow-up & good backup by Go Digit team, even in this pandemic lockdown. Special thanks to Mr. Abhishek Kumar Pathankot for all the efforts & backup.
Excellent Service by Team Digit especially by Priyatosh Roy who provided a great customer experience even in these difficult times of lockdown. He not only followed up on my issue but also resolved it in a timely manner. He has surely gone above and beyond his duty in providing a satisfactory customer service. I would like to thank the Team for all their support and professionalism.
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