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Best Health Insurance Policy Online in India

Healthcare is one of the main sectors in India going through so much transformation, and that comes as no surprise! Healthcare costs have been increasing twofold, while people too are increasingly becoming both health and money conscious.

This ultimately has led to an increase in people now opting for a health insurance. However, thanks to technology and the growth of the digital economy, health insurances are covering for health conditions and illnesses beyond just major and critical illnesses.

So, whether you need an infertility treatment, need to get a daycare procedure done or just want to run your basic, annual medical checkups, health insurances today cover for a variety of such benefits.

Therefore, it’s important to not only go for any health insurance but, choose the best health insurance policy that gives you all valuable benefits at an affordable premium; safeguarding both your health and wealth.

Team Digit

Health Insurance Statistics in India

Why Should You go for the Best Health Insurance Plan in India?

The best health insurance plan is one that won’t only help safeguard your health and wealth, but will be simple to buy and claim for, and will give you benefits that are customized to suit you and your family comfortably.
The best health insurance plan will help protect you from unfortunate health conditions whilst giving you financial security at the same time.
The best health insurance plan will ensure your health is given utmost importance, by giving you benefits and services that are actually meaningful for your health and wellbeing.
The best health insurance plan will ensure your claims are processed with ease, so you have little to follow up and worry about!
Covers Pandemics - We know people are scared of Coronavirus which is why we cover it!

What makes a Health Insurance by Digit one of the Best Health Insurance Policies in India?

Apart from our simple online processes, what makes Digit one of the best health insurance policy in India is its unique and meaningful health insurance benefits, as compared to other health insurance players in the market.

Health Insurance by Digit VS Industry Average

Important Features	Health Insurance by Digit	Industry Average
Buying & Claim Process	Simple Digital Processes	Not completely Digital
Copayment	No Age or Zone Based Copayment	Copayment Involved
Room Rent Capping	No Room Rent Capping	Room Rent Restrictions
Cumulative Bonus	Yearly 50% Cumulative Bonus	Differs Across Different Insurers
Cashless Hospitals	10500+ Cashless Hospitals Across India	Differs Across Different Insurers

What’s covered in our Health Insurance?

Coverages

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatement 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. .

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Unlimited Reinstatement in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Cumulative Bonus

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!

10% of Base Sum Insured for every claim free year, up to max 100%.

50% of Base Sum Insured for every claim free year, up to max 100%.

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

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.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.

0.25% of SI up to ₹ 2,000 after every year.

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

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.

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalized.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalization

This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

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.

3 Years

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.

2 Years

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.

₹ 50,000

₹ 1,00,000

Organ Donor Expenses

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.

Available as an Add-On

What’s not Covered?

How to file a Claim?

Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-5956 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

How to Choose the Best Health Insurance in India?

Healthcare in India is currently going through tremendous transition. After all, health being one of the most crucial parts of our lives, the right kind of healthcare is almost necessary if not essential. The same goes for a health insurance. After all, it’s one of those things that helps safeguard our health and give us some peace of mind.

However, from so many growing options today, how do you really go about securing your health with the best health insurance policy in India? Here are some tips that could help.

1. Evaluate Coverage Details: A lot of people mistakenly compare health insurance premiums alone. However, it’s important to know that every health insurance comes with different coverage specifics. Therefore, it’s important that you compare and evaluate all covers available, including its finer details which will help you select the best medical insurance policy for you.

2. Check for Processes: Traditionally, the process of buying and especially claiming health insurance has always been long and cumbersome. However, there are select health insurances that come with simpler, online processes. Therefore, always look at what your desired insurance company’s claim and buying process is like and evaluate your options accordingly.

3. Service Benefits: Apart from coverage benefits, insurers also provide their customers with special service benefits. Therefore, also evaluate the different service benefits, before making your choice.

4. Cumulative Bonus: A Cumulative Bonus, is an extra percentage of Sum Insured you get during renewal if you’ve never made a health insurance claim. Different insurance companies offer different Cumulative Bonuses. Therefore, compare your options and see what works for you best.

5. Copayment: A Copayment refers to the amount of money you need to pay from your pocket during a health insurance claim. Generally, a lot of health insurances have at least 10 to 20% of Copayment involved in their plans. However, some plans like ours come with No Age Based Copayment. Therefore, see what suits your feasibility and make a choice accordingly.

FAQs about Best Health Insurance Policy

All

Will my health insurance be valid all across India?

Yes, Health Insurance by Digit is valid across all cities in India.

How many network hospitals does Digit have?

We have more than 8500+ cashless hospitals spread all over India.

A lot of Health Insurance companies today offer discounts or bonuses if we complete a number of steps each day, using fitness trackers. Does Digit’s Health Insurance provide any such benefits?

Yes, we do provide our customers with a No Claim Bonus, which means that if you’ve been healthy throughout the year and therefore not made a claim, we will give you a No Claim bonus starting from 20% for your first claim-free year. We don’t need you to prove it with your fitness trackers or the like 😊

What do you mean by pre-existing diseases?

Pre-existing diseases refer to any health conditions you’ve been facing from before getting your health insurance policy. As per the IRDAI, the official definition of the same is; a pre-existing disease means any condition, ailment or injury or related conditions for which he/she has faced symptoms or has already been diagnosed 48 months prior buying the respective health insurance policy.

What is Digit’s claim settlement ratio when it comes to health insurance claims?

Digit’s current claim settlement ratio for health insurance claims stands at 93.37% 😊

What is the recommended Sum Insured for the best health insurance plan?

Choosing the ideal sum insured would primarily depend on the number of people insured under your health insurance plan. The best way to go about this would be, to mention your family’s annual income range and go for the recommended Sum Insured plan. This would ensure the sum insured is both sufficient and affordable for you and your family.

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Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Best Health Insurance Policy Online in India

Health Insurance Statistics in India

Why Should You go for the Best Health Insurance Plan in India?

What makes a Health Insurance by Digit one of the Best Health Insurance Policies in India?

What’s covered in our Health Insurance?

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-Existing Diseases

Hospitalization without Doctor’s Recommendation

How to file a Claim?

How to Choose the Best Health Insurance in India?

FAQs about Best Health Insurance Policy

Will my health insurance be valid all across India?

How many network hospitals does Digit have?

A lot of Health Insurance companies today offer discounts or bonuses if we complete a number of steps each day, using fitness trackers. Does Digit’s Health Insurance provide any such benefits?

What do you mean by pre-existing diseases?

What is Digit’s claim settlement ratio when it comes to health insurance claims?

What is the recommended Sum Insured for the best health insurance plan?

Latest News

Download Health Insurance Policy Wordings

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