Buy/Renew Health Insurance Policy Online in Navi Mumbai
Navi Mumbai is a planned city in Maharashtra, which was developed as a new urban township for Mumbai. As per the 2011 census, Navi Mumbai is home to more than 11 lakh people. (1)
Consequently, as is common with a growing population, there emerge several health concerns.
For Navi Mumbai, traffic accidents and air pollution are the two most threatening problems today. Thousands of residents develop acute respiratory conditions due to high levels of pollutants in the air.
Many others become victims of road accidents in the city each year. Since prevention is better than cure, availing quality health insurance in Navi Mumbai is crucial.
What's great about Health Insurance in Navi Mumbai 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 Navi Mumbai
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. .
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.
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 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 Navi Mumbai 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 Navi Mumbai 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.
Types of Health Insurance in Navi Mumbai
Things to know when buying a Health Insurance in Navi Mumbai
Zonal Division of Navi Mumbai According to Treatment Expenses
Unfortunately, healthcare in Navi Mumbai is quite expensive. While there is easy access to state of the art facilities, affording the same is a hassle for most. This is why health insurance providers classify Navi Mumbai as a Zone A city.;
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.
Due to the aforementioned healthcare costs, you can also be sure that health insurance in Navi Mumbai is expensive as well.
It is comparatively cheaper to avail a proper healthcare policy, rather than bearing treatment costs from out of the pocket. You can end up keeping your savings intact if you buy health insurance in Navi Mumbai.
Why Is Health Insurance So Important in Navi Mumbai?
Residents of Navi Mumbai must be aware of the health concerns prevalent in the city, especially when it comes to air quality.
According to a report, the city ranks 51 in the world when it comes to the most polluted cities. It is also the most polluted city in Maharashtra. (2)
Apart from pollution, Navi Mumbai also witnessed a 10% increase in road accidents in 2018. (3)
These alarming statistics highlight why health insurance in Navi Mumbai is the need of the hour.
The policies ensure that you remain prepared for every eventuality, securing your personal finances against sudden losses.
Which Insurance Policy Should You Choose?
It is difficult to recommend a single policy, especially since the needs and requirements are varied. Each individual has separate expectations from his/her insurance policy.
You must, thus, determine what you need in terms of coverage and sum insured before choosing one.
Nonetheless, you must compare the policies available to you before deciding to buy health insurance in Navi Mumbai to enjoy optimal benefits.
Benefits of Purchasing Health Insurance in Navi Mumbai
If you choose to invest in such a policy, you can expect the following facilities in return:
- Hospitalisation Expenses – The hospital where you seek treatment charges a certain amount for each day of stay. This is the hospitalisation charge, which your insurer will cover on your behalf.
- Cumulative Bonus – You can get a cumulative bonus on every claim-free year. This can help improve your policy by increasing the sum insured under it.
- Critical Illness Cover – When you suffer from critical illnesses and seek hospital treatment, your insurer will cover the hospitalisation expenses for such treatments as well.
- Tax Benefits – Every year, policyholders stand to earn tax exemptions on their policy premiums, under Section 80D of the Income Tax Act.
- Peace of Mind – Buying health insurance in Navi Mumbai can help you attain mental peace, especially since you no longer have to worry about treatment expenses.
- Annual Check-Ups – Health check-ups, sponsored by your insurer, are important in screening against underlying conditions. Policyholders can undergo such check-ups every year on successful policy renewal.
Coronavirus patients can also seek treatment at hospitals and avail coverage for these expenses under their insurance policies as per IDRAI guidelines.
Disclaimer: Each policy comes with different terms and benefits. You should not expect the same features from all insurance policies. Read through the terms and conditions carefully to derive a policy’s coverage and use.
Comparing the various policies online should make picking one easier. Moreover, you can understand what you need after checking some of the most popular policies available in your area.