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Also known as the ‘Abode of Drona’, Dehradun is the capital of the Indian state Uttarakhand. According to a survey conducted by Dainik Jagran and KPMG, this city is also one of the safest cities in India. That said, pneumonia, pulmonary odema, and dengue are some of the most common diseases faced by citizens in Dehradun. Therefore, a health insurance policy might be useful if you wish to protect your family and provide them with the best treatment.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
Important Features
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
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 |
On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices.’
Next, select the family members you want to insure, add the age of the eldest member and click ‘Continue.’
Choose your Sum Insured, Plan and Add-ons, and click ‘Continue.’
Next, enter your and your family members’ complete details, and click ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Given the importance of a health insurance, it is highly imperative that our healthcare policy is always active because we never know when we might need it. Hence, paying the health insurance premium on time is of utmost importance.
With an absolutely simple and digitally friendly process at Digit, you can renew your health insurance in just a few simple steps:
Step 1: Visit the Renewals tab on our website or My Policy section in Digit App and login with your registered mobile number or your policy details.
Step 2: Click on the Renew Option for the Policy which is Pending for Renewal.
Step 3: Review the plan details, verify and click 'Pay Now.'
Step 4: Complete the payment and it's done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
OR
You receive regular communication from Digit to renew your health insurance policy a few days prior to the renewal. These communications come with a renewal link that you can use to directly make the payment and renew your policy.
Some features of a health insurance policy should be checked before you avail them. You should opt for insurance that suits your needs and requirements. Other than that, you must also check the claim settlement history of the insurance company. This might include the waiting period clause. Also, whether there is any clause of co-payment and cashless benefit must also be analysed.
Asthma, Bronchitis, Tuberculosis, Measles, Meningitis and Viral fever are some of the most common diseases in and around Dehradun. In addition, the problem of traffic jams and mismanagement makes Dehradun prone to road accidents. Therefore, buying a health insurance policy might be a wise decision if you are a resident of Dehradun.
According to an article by Times of India, dated 20th August 2022, the remote areas in Uttarakhand struggle to get basic health facilities. There is an acute shortage of medical personnel and specialists at government facilities. Therefore, you might have to take your family to a private hospital. This might cost a lot; thus, a health insurance policy might help you in such a situation.
As Dehradun falls under Zone C, the healthcare expenditure might be comparatively lower than in Zone A and B. This means you have to pay a lower premium if you avail a health insurance policy compared to Zone A and B cities.
If you are an individual living alone, you can opt for individual health insurance; however, if you wish to take care of the medical needs of your family, getting family insurance might be apt for you.
Dehradun ranks 29th out of 62 Indian cities in terms of Ease of Living Index. This is not certainly a good ranking when compared to the other cities. The OPD and other treatment costs in the city of Dehradun have also seen a hike recently. Hence, to protect yourself and your family during such exorbitant charges during financial emergencies, it is ideal to avail a health insurance policy.
Following are some of the benefits that you can avail by purchasing a health insurance policy:
Under section 80D of the Income Tax Act, you will be eligible for a tax deduction for paying premiums for your health insurance policy.
You can avail complimentary health checkups.
Daycare procedures will also be covered under the policy.
If you do not claim anything for a whole year, you will get a cumulative bonus.
Extra cover will be provided in case of critical illness hospitalisation