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Best Health Insurance Policy Online in India in 2025

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 has ultimately led to an increase in the number of people opting for the best health insurance plan in India. 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 infertility treatment, a daycare procedure, or just want to run your basic annual medical checkups, health insurance today covers a variety of such benefits. 😲

Team Digit

What is a Health Insurance Policy
Why Choose the Best Health Insurance Plan in India?
Why is Digit’s Health Insurance One of the Best in India?
A Guide to Choose the Right Health Insurance Plan
How to Choose the Best Coverage for Health Insurance?
Benefits of Buying the Best Health Insurance in India
Things to Consider Before Buying Health Insurance
Frequently Asked Questions

What is the Health Insurance Policy?

If you are looking for the best health insurance policy in India, you must know what a health insurance policy means. So basically, health insurance is the safety net which provides you with financial protection during medical emergencies.

It is essential for everyone, despite the widespread belief that it is just for the old or those with health issues. The finest health insurance policy provides comfort throughout hospital stays by covering your medical expenses.

Why Should You Choose the Best Health Insurance Plan in India?

A health insurance plan is necessary as it provides comprehensive coverage for a range of medical needs. It supports you when you need it the most. Here are some reasons why you should buy the best health insurance plan in India

The best health insurance plan will help protect you from unfortunate health conditions while giving you financial security at the same time.
The best health insurance plan will ensure that your health is given the utmost importance by providing benefits and services that are meaningful for your health and well-being.
The best health insurance plan will ensure your claims are processed with ease, so you have little to follow up and worry about!
Many health insurance policies allow cashless hospitalization, which eliminates the need for a down payment when receiving care at a network hospital. The insurance company will pay the bill after the hospital notifies them.

Why is Digit’s Health Insurance One of the Best in India?

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

Don't believe us? 🤔 Well, here is a comparison of the Health Insurance Policy offered by Digit vs the Industry Average policy.

Important Features	Digit Health Insurance Policy	Industry Average Policy
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	9000+ Cashless Hospitals Across India	Differs Across Different Insurers
Sum Insured Refilling	Get your sum insured refilled on full exhaustion of it during the policy period at no extra cost	Not commonly offered or available at extra cost
Wellness Benefits	Avail a range of discounts and benefits on health and fitness services from 10+ top-rated health and wellness partners.	Limited wellness benefits, often with fewer incentives
Organ Donor Expenses	Covers expenses related to organ donation	May not cover or offer limited coverage for organ donor expenses

A Guide to Choose the Right Health Insurance Plan

How to Choose the Best Coverage for Your Health Insurance Plan?

You might have understood by now that investing in health insurance is a fundamental necessity for all individuals.

However, one should start from scratch to figure out how it occurs. With so many possibilities for plans, you want to make sure that the one you choose will provide enough coverage for your specific needs? Well, here is how you can decide your coverage:

1. Consider Your Health and Age

Do you have any past medical conditions and are you in good health?

For example, a reduced coverage plan would be appropriate if you are young, healthy, and have less money to spend on your health insurance. However, you should ensure that the plan addresses any current problems you may have.

2. Your Family Size

Do you have a spouse or a child in your family?

If so, you need to make sure that they are part of your plan as well. You can buy a family floater plan to cover each member of your family under one health insurance plan.

3. Your Lifestyle Factors

Do you follow a sedentary lifestyle?

A sedentary lifestyle results from a poor diet, lack of exercise, drinking and smoking, not getting proper rest, and stress. If this is your lifestyle, you may be eligible for a plan that covers high-risk activities.

4. Your Spending Limit

What is the appropriate amount to spend on health insurance premiums?

The size of the network and the extent of coverage affect the premium costs. Based on your salary and other expenses, decide which one you can afford.

Key Benefits of Buying the Best Health Insurance Plan in India

A person benefits from health insurance in a number of ways. A comprehensive policy covers post and pre-treatment care in addition to hospitalization costs.

In India, there are various benefits to purchasing the best health insurance according to your needs. It not only gives you financial protection but helps to live your life carefree without worrying about any bills & expenses.

Here are some benefits of buying health insurance online in India:

Things to Consider Before Buying the Best Health Insurance Policy in India

Healthcare in India is currently going through a 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.

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:

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 the finer details which will help you select the best medical insurance policy in India for you.

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 9000+ cashless hospitals spread all over India.

A lot of Health Insurance companies today provide a No Claim Bonus if we do not claim throughout the year. 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.

What is the process for selecting the best health insurance plan?

Consider your needs and financial constraints when choosing the best health insurance plan. First, determine what kind of coverage you require, including hospital stays, prescription drugs, and doctor visits. Then, evaluate network hospitals, coverage scope, deductibles, rates, and customer evaluations.

Which two health insurance plans are the most popular?

Individual and family-floater health plans are the two most popular types of health insurance. These plans provide complete coverage for the insured individual and their family.

Which family health insurance plan is the best?

The best health insurance plans for family provides comprehensive coverage for a variety of medical needs. Seek out plans that offer options for pediatric care, a wide network of hospitals and physicians, and reasonably priced premiums.

Which health insurance plan is ideal for elderly people?

An excellent option for seniors(above 60) may be a Senior Citizen Health Insurance plan with a Critical Illness add-on.

Is purchasing health insurance in India worthwhile?

Yes, buying a health insurance policy in India is really necessary. It allows you to receive treatment right away without breaking the bank. You feel more secure knowing that you are prepared for any unforeseen medical expenses when you have health insurance.

Can I transfer my policy from one health insurance provider to another?

Yes, you can transfer your health insurance coverage from one company to another and still receive benefits. IRDAI allows policyholders to switch insurers while keeping their benefits, including waiting periods and the no-claim bonus. It's crucial to follow the portability process, submit the necessary paperwork, and alert your current insurer within the allotted time.

What is the best health insurance?

Several factors, including personal preferences, financial constraints, available coverage, and customer support, determine the best health insurance plan. However, Digit Insurance stands out from its competitors in terms of its extensive coverage, creative features, and dependable customer service. It provides features including cashless hospitalization, a vast network of healthcare hospitals, and add-on benefits, and its plans are designed to meet a variety of needs.

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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 in 2025

Table of Contents

What is the Health Insurance Policy?

Why Should You Choose the Best Health Insurance Plan in India?

Why is Digit’s Health Insurance One of the Best in India?

A Guide to Choose the Right Health Insurance Plan

How to Choose the Best Coverage for Your Health Insurance Plan?

1. Consider Your Health and Age

2. Your Family Size

3. Your Lifestyle Factors

4. Your Spending Limit

Key Benefits of Buying the Best Health Insurance Plan in India

Simple to Purchase

Broad Coverage

Easy Renewal

Hospitalization Without Cash

Cumulative Bonus

Tax Advantages

Things to Consider Before Buying the Best Health Insurance Policy in India

Examine and Compare Plans

Recognize Your Budget and Needs