Health Insurance in Ernakulam

Switch to Digit Health Insurance

Buy/Renew Health Insurance Policy Online in Ernakulam

Ernakulam lies in the eastern part of Kochi city facing the Arabian Sea. It is the second-largest city and the commercial capital of Kerala. Residing in the central business district of Kerala brings with various benefits, like access to a great education, banking facilities and healthcare facilities. However, healthcare is not cheap in this city, especially if you need to get treatments in private hospitals. This is where having health insurance comes in handy. It will provide financial coverage for the treatment of various diseases and accidents.

What's Great about Health Insurance in Ernakulam by Digit?

Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims! 

No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket. 

No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer. 

SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you. 

Get treated at any hospital - Choose from 10500+ of our network hospitals in India for a cashless treatment or opt for a reimbursement. 

Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Health Insurance Plans in Ernakulam

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.

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!

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 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.

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.

No Co-payment
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.

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
3 Years
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
2 Years
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
₹ 1,00,000

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.

Available as an Add-On
Available as an Add-On
Available as an Add-On

What’s not covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

Key Benefits of Buying Health Insurance with Digit

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

How to Buy Health Insurance in Ernakulam with Digit?

Step 1

On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices.’

Step 2

Next, select the family members you want to insure, add the age of the eldest member and click ‘Continue.’

Step 3

Choose your Sum Insured, Plan and Add-ons, and click ‘Continue.’

Step 4

Next, enter your and your family members’ complete details, and click ‘Pay Now.’

Step 5

Complete the payment and mandatory KYC verification process.

Step 6

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

How to Renew Your Health Insurance in Ernakulam with Digit?

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.

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 non-preferred hospitals, anywhere cashless hospitals etc.

Refer this link for checking the health claim status.

What are the things to know about Health Insurance in Ernakulam?

  • Before purchasing a health insurance policy, one must ensure that it offers sufficient coverage for him/her and family members. Secondly, individuals must check the health insurance policy's premium amount and waiting period. 
  • Let us suppose that you plan to purchase a health insurance policy for yourself and your family and wish to determine the premium amount. In that case, you can use the health insurance premium calculator. In addition, there are a few other pointers which you should be mindful of while buying a health insurance policy and these are:
  • Ernakulam falls under Zone C cities. As a result, the healthcare expenses will be less than the Zone A cities. Hence, the premium you will have to pay to get health insurance will also be low.

  • At Digit, we have two zones: Zone A (Greater Hyderabad, Delhi NCR, Greater Mumbai) and Zone B (Rest of India). You get an additional discount on premium if you are based in Zone B. Not just that, we have No zone-based co-payment.
  • Individual health insurance coverage will be sufficient if you are a single person living alone in Ernakulam. However, if you want coverage for your family, we suggest you opt for family health insurance policies. 

  • Ernakulam faces the Arabian Sea, so the city may get waterlogged during the rainy season quite easily. Hence, it is necessary to have a health insurance policy that will give you coverage for diseases like dengue, malaria, typhoid, jaundice, etc.

  • According to an article in The Hindu, Indian citizens have to bear 70% - 80% of the healthcare bills from their pockets. This is usually too large an amount to afford and thus, health insurance is necessary because it covers the costs on behalf of the policyholder.

What are the Benefits of purchasing Health Insurance in Ernakulam?

When a medical emergency arises, you need a solid health insurance policy that can provide you with comprehensive protection against various diseases and ailments. This should include the diagnosis to the completion of the treatment.

Below are some benefits of buying a health insurance policy and they are:

  • You will be eligible for tax benefits under Section 80D of the Income Tax Act if you pay premiums for a health insurance policy.

  • If you take a health insurance policy from Digit, you will get maternity coverage, adding to your individual or family health insurance policy.

  • You will get complimentary annual full-body check-ups to detect any ailments.

  • As a patient or family of the patient, you will not have to worry about making payments during medical emergencies as we will cover the cost for you.