Health Insurance in Raipur

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Buy/Renew Health Insurance Policy Online in Raipur

Raipur, the capital city of the eastern Indian state of Chhattisgarh is also the most populous city in the state. With rapid urbanisation and industrialisation, the city is undergoing a massive transformation.

Due to this changing nature of the city, several challenges like rapid increase in population are also coming up. Rapid urbanisation has increased the threat of contagious and pollution related diseases as well as road accidents. With increased pressure on limited health infrastructure, access to affordable and quality healthcare has become a big issue for most. Therefore, a health insurance policy has become vital to take care of the health needs of you and your family.

What's Great about Health Insurance in Raipur 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 Raipur

Double Wallet Plan

Get 100% Sum Insured Backup from Day 1 with no Exhaustion Clause and coverage for both Related and Unrelated Illnesses. Ideal for people who are looking for an affordable health insurance.

Infinity Wallet Plan

Get Unlimited Sum Insured Backup from Day 1 with no Exhaustion Clause. Ideal for people wanting comprehensive coverage and additional benefits.

Worldwide Treatment Plan

Ideal for people who want to get the best treatment anywhere in the world. Also, get 100% Sum Insured Backup (for treatment only in India) with no Exhaustion Clause.

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.

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Cumulative Bonus

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

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.

0.25% of SI up to ₹ 2,000 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

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

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.

1% of Base Sum Insured, Max up to ₹ 10,000.

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

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

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

Organ Donor Expenses

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

What’s 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 Raipur 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 Raipur 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.

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 Raipur

Things to Know About Health Insurance in Raipur

Raipur experiences heavy water logging during monsoon season, thereby making the area a hotbed of waterborne and vector borne diseases. As a result, waterborne diseases like typhoid, diarrhoea, etc., and vector borne diseases like malaria, dengue, chikungunya, etc., have become the biggest health challenges of the city. Therefore, it is imperative that you have health insurance that ensures wide coverage for you and your family. You should know the following points in mind before buying a health insurance policy in Raipur:

Coverage provided by the insurance to members enrolled in the policy.
Waiting period that each health insurance policy mandates its members to undergo.
Premium payable for renewal of health insurance policy after fixed intervals.
As the city of Raipur falls under Zone C, therefore the premium payable by residents of this city is a lot less than the premium payable by residents of Zone A and Zone B 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.
The type of health insurance you wish to opt for depends on your social life. If you are single, an individual health insurance policy will be sufficient to meet your medical needs, and if you have a family with senior citizens and children, in that case, you can opt for family health insurance policies to cater to the medical needs of your entire family.

With rising costs of healthcare making private sector hospitals and medical institutions inaccessible and unaffordable for a large section of the populace, a health insurance policy acts as a lifeline. Conduct a thorough market research about different health policies available and choose the one that suits your needs. You can use the health insurance premium calculator to compute the premium payable conveniently.

Know more about Super Top-up Health Insurance

What are the benefits of purchasing Health Insurance in Kochi?

The Cost of Living Index in Kochi is estimated to be 22.56. It’s not as high as the major Indian cities; however, medical expenses at private hospitals can be pretty high. Thus, to protect yourself from these expenditures, having a health insurance policy is crucial.

These are the benefits of purchasing a health insurance policy:

Financial coverage for critical illnesses like cancer which is the highest in Kochi
Tax benefits under Sec. 80D of the Income Tax Act for paying health insurance premiums
Serves as a helping hand during a medical emergency
Complimentary annual check-ups to detect any underlying issues

Cumulative bonus in claim-free years as a reward for staying healthy

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Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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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.

Buy/Renew Health Insurance Policy Online in Raipur

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

Health Insurance Plans in Raipur

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

What’s covered in our Health Insurance?

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-Existing Diseases

Hospitalization without Doctor’s Recommendation

Key Benefits of Buying Health Insurance with Digit

How to Buy Health Insurance in Raipur with Digit?

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

How to Renew Your Health Insurance in Raipur with Digit?

How to File a Claim?

Types of Health Insurance in Raipur

Things to Know About Health Insurance in Raipur

What are the benefits of purchasing Health Insurance in Kochi?

Download Health Insurance Policy Wordings

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