Buy/Renew Health Insurance Policy Online in Pune
Pune is one of the most important cities in Maharashtra and the eighth-most populous in India. Its population is estimated to be around 74 lakh, as of 2020. (1)
While it is undoubtedly a great place to reside in, Pune citizens are always at risk from certain factors, such as air pollution and road accidents.
While there is hardly an effective way to prevent health complications arising from such factors, one can always safeguard his/her finances against the repercussions arising from them. Health insurance in Pune is one of the best ways of doing so.
Naturally, the first concern that arises before availing health insurance is the associated expense of such a policy. Well, read on to know more about what you can expect in this regard.
What's Great about Health Insurance in Pune 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 Pune
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 Pune 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 Pune 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 Pune
Things to know when buying a Health Insurance in Pune
Zone-Based Division of Pune as per Health Insurance Expenses
Insurance providers mostly classify Pune as a Zone B city, which means that the cost of healthcare in the city is not as high as it is in Delhi or Mumbai, but is still greater than Zone C cities.
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.
Based on this information, it is prudent to assume that the cost of health insurance in Pune should be moderate as well.
You will, thus, not need to spend exorbitant sums when looking to buy health insurance in Pune. Nevertheless, such policies can aid you to limit medical expenses significantly.
Why do you require Health Insurance in Pune?
As stated previously, Pune’s air quality is degrading with each passing day. As per data from WHO, the city’s PM10 levels are classified as high at present. (2) Prolonged exposure to such toxic fumes can leave residents with severe respiratory illnesses.
Additionally, road accidents claim hundreds of lives in the city every year. In fact, the city witnessed more than 4400 road accident deaths in the preceding four and a half years, according to a report from 2019. (3)
These factors, in combination with other health hazards, highlight the need for quality health insurance in Pune. With such a policy in place, you can remain free from financial worries during medical emergencies.
Which Insurance Policy Should You Choose?
The policy that you require depends on your expectations from your health insurance in Pune. For instance, you can opt for a family health policy if you want to ensure family-wide coverage for your spouse, children and parents.
Alternatively, you can pick an individual health insurance plan if you stay alone in the city.
It is always advisable to select policies based on their features and coverage, instead of choosing the cheapest ones.
Benefits of Purchasing Health Insurance in Pune
When you buy health insurance in Pune, you can expect the following benefits from your insurer:
- Hospitalisation Coverage – The insurance company will bear the expense related to hospitalisation whenever you suffer from illnesses or accidents that require you to undergo admission.
- Tax Benefits – Under Section 80D of the Income Tax Act, you can claim tax deductions each year on your policy premiums payable.
- Regular Check-Ups – Undergo annual check-ups, free of cost, to help diagnose underlying conditions early (on successful policy renewal).
- Mental Peace – Peace of mind is a big deal, and buying health insurance should impart the same to you since you no longer have to worry about funding medical emergencies.
- Critical Illness Cover – You can expect hospitalisation expenses cover from your insurer when you are diagnosed with a critical illness and need hospital treatment at the earliest.
- Cumulative Bonuses – You can earn a cumulative bonus after every claim-free policy year. This will increase the sum insured associated with your policy, helping you seek better treatment in the future.
Coronavirus positive patients can claim their insurance policies as well to acquire hospitalisation benefits from their insurance providers.
Disclaimer – Treat every health insurance policy differently, as each offers unique benefits and features. Read the terms and conditions carefully to assess the coverage and inclusions of a policy before purchasing it.
Pune residents have sufficient options when it comes to health insurance in Pune. Compare the available plans online and pick the policy that is best suited to your individual needs.