Group Hospital Cash
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- At the time of your claim, you will be getting 25% of your Sum Insured as a fixed benefit, subject to a maximum of Rs 30,000, irrespective of your actual expenses. This Fixed Benefit shall be part of the total Sum Insured chosen for hospitalization.
- Please note: The maximum amount payable for hospitalization including fixed benefit shall not be more than the Sum Insured. Fixed benefit is payable only after Hospitalization due to COVID-19. It’s mandatory for the Insured to have a positive virology report from any of the ICMR authorized test centres in India.
- For eg., At the time of your claim, if your Sum Insured is Rs 1 lakh, you would be receiving Rs 25,000 as a benefit without submitting any bills, irrespective of the actual claim amount. If your Sum Insured is Rs 2 lakh you would be receiving Rs 30,000 as a benefit amount, without submitting any bills. You would still be eligible to reimburse the remaining 1.7 lakhs in lieu of hospitalization expenses.
- Covid 19 +
- Dengue Fever
- Malaria
- Filariasis(Payable only once in a lifetime)
- Kala Azar
- Chikungunya
- Japanese Encephalitis
- Zika Virus
Why is it important to be covered for both the coronavirus and vector borne diseases as well?
What’s great about Digit’s Health Insurance covering COVID-19 and Vector Borne diseases?
What’s covered under this policy?
This cover is filed with the regulator, IRDAI, under their Sandbox Regulations. Formation of Group for the Purpose of Group Insurance; 442/IRDAI/HLT/GEN/GOD-SB/2019-20
What’s not covered?
We believe in transparency, and don’t want you to face any last-minute surprises. So here’s what you should know too – on what is not covered in this policy.
Which Vector Borne diseases does this policy cover?
Malaria
Malaria fever is caused by a protozoan – Plasmodium through female anopheles mosquito resulting in fever, weakness, chills, headache, vomiting and Jaundice.
Dengue
Dengue fever is caused by the virus spread through Aedes mosquito bite resulting to fever, severe headache, vomiting, skin rash and life-threatening internal bleeding.
Zika Virus
Zika virus is caused by virus through mosquito bite leading to fever, rash, muscle pain and joint pain. Pregnant women can transfer the virus to the unborn child leading to the microcephaly.
Filariasis
Filariasis is caused when the lymphatic system is blocked by microfilaria parasite leading to permanent changes in the limbs.
Kala Azar
A chronic and potentially fatal parasitic disease of the viscera (the internal organs, particularly the liver, spleen, bone marrow and lymph nodes) due to infection by the parasite called Leishmania Donovani.
Chikungunya
Chikungunya is caused by virus through Aedes mosquitoes leading to fever, weakness and severe joint pains.
Japanese Encephalitis
Inflammation of brain due to virus leading to disorientation, fever, vomiting, convulsions and death.
Things you should know about this policy
Getting diagnosed with these dreadful illnesses is heart breaking. Digit understands this and offers a cushion which will reimburse you for the expenses incurred due to hospitalization for any of the 8 diseases (including COVID-19)
On claims related to vector borne diseases
- You will be covered for hospitalization expenses if you are diagnosed with and hospitalized solely for COVID-19, Dengue, Malaria, Filariasis (payable only once in a Lifetime), Kala Azar, Chikungunya, Japanese Encephalitis, and Zika Virus.
On claims related to the COVID-19
- Hospitalization expenses incurred due to being quarantined in a government, military or government approved hospital are also covered, if you are suffering from COVID-19 as an inpatient and hospitalization was solely due to COVID-19 during the policy period.
- Hospitalization for Covid-19 is applicable in all hospitals over India. However, claims will be admissible only after the insured is tested positive for coronavirus conducted from any of the ICMR authorized test centres in India.
FAQs about Health Insurance for Vector Borne Diseases & COVID
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