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Buy Individual Health Insurance Policy Online in 2024

With the rising medical costs, buying an individual health insurance policy in India is not just a smart choice; it has become necessary. It ensures direct access to quality healthcare and helps manage unforeseen medical expenses. So, whether you're a freelancer, entrepreneur or looking for better coverage, an individual health insurance policy ensures that you are financially prepared for any health challenges.

Remember, Individual Health Insurance is more than just coverage; it’s peace of mind for you and your family.

The following article will provide you with a detailed understanding of individual health plans and help you make an informed decision before buying one for yourself.

Team Digit

What is Individual Health Insurance?
What's Great about Individual Health Insurance?
What Covered & Not Covered?
Buy Individual Health Insurance
Choose the Right Sum Insured
How to File a Claim?
Renew Individual Health Policy
Things to Keep in Mind
Save Tax with Individual Health Policy
Frequently Asked Questions

What is an Individual Health Insurance?

An individual health insurance is a type of health insurance policy customized for a young individual to safeguard and cover oneself from various illnesses, hospitalizations, child delivery expenses and other major and minor health conditions that may arise during one's lifetime.

While an individual health insurance is essentially designed for young people without families, you can still customize your plan to cover your dependents, such as your senior parents, spouse and children. However, there will be separate individual plans with different coverage and benefits for each family member.

For example, Mr. Rahul, aged 30, has an Individual Health Insurance plan for himself and his spouse. He has taken an individual health insurance of ₹10 lakhs. This means he and his wife will both have ₹10 lakhs each to cover their health needs.

Remember, your health is your greatest wealth. Protect it with the right insurance, not just for you but also for those who are dependent on you.

Why securing your Health today matters more than ever?

What's Great About Individual Health Insurance 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 16400+ 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.

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 Individual Health Insurance by 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 10% Discount
Consumables Cover	Available as an Add-on

*Available only on Worldwide Treatment Plan

What Makes Health Insurance Highly Important for Young Individuals?

Protects From Lifestyle Diseases

Lifestyle diseases like PCOS, obesity, type 2 diabetes, etc., are on the rise, especially among millennials. An individual health insurance ensures you will be protected against them all; right from diagnosis to treatment.

Prioritizes Your Mental Well-Being

With mental health challenges on the rise, especially among individuals under 40, our health insurance ensures you’re covered both physically and mentally. It embraces complete wellness with psychiatric benefits designed to support your mental health journey.

Maximize Savings

Buying a health insurance means you don’t need to worry about increasing medical costs and expenses because your health insurance policy will keep you covered; while you can instead protect and maximize your savings.

Improves Overall Well-Being

Any private Medical insurance for individuals like you ensures overall well-being by always having your back during medical emergencies and covering you for annual health checkups.

Saves Tax

One of the best things about having a health insurance is that you can claim income tax deductions on the premium you have paid through different sections while filing your income tax.

Affordable Premiums

Young people are always advised to get health insurance earlier. This ensures a cheaper premium, and your waiting period for major illnesses will be over soon.

Who Should Buy Individual Health Insurance?

Individual health insurance is ideal for anyone seeking personalized health coverage tailored to their specific needs.

Whether you’re a young professional starting your career, a freelancer with no employer coverage, or a businessman looking for personal protection, an individual policy can offer different tailored benefits. However, individuals wanting better coverage options than what their employer offers should also consider buying an individual policy.

Ultimately, if you value financial security and access to quality healthcare, you must consider buying an individual health insurance.

How Much Individual Health Insurance Coverage You Need?

Health Care Expenses: Before considering any policy, consider the medical expenses you can incur in your city. It can include the cost of hospital stays, medicines, surgeries, etc.
Healthcare Inflation: Inflation increases as the year passes, causing medical expenses to increase over time. Select any individual health coverage amounts for yourself that consider potential increases in medical costs over the years.
Pre Existing Diseases: Consider Pre-existing Diseases to have a proper protection. You will need more coverage if you have any pre-existing medical issues.
Age and Lifestyle: Consider your age, lifestyle, and any related health concerns before choosing your coverage. Higher coverage may be necessary for older people or those leading risky lifestyles.
Place of Residence: The cost of healthcare can differ greatly between locations and cities. Greater coverage may be necessary if you live in a metropolitan region because of the increased cost of healthcare.
Medical Facilities: Ensure your insurance covers treatments at the hospitals or healthcare facilities you prefer. It has no room rent capping and has the option of opting for an ambulance.
Ability to Pay: Your expenditure and ability to pay are the most important factors in helping you decide your final sum insured. Although it's critical to have enough coverage, make sure the price is reasonable and won't strain your money.
Riders and Add-Ons: Certain insurance plans provide extra alternatives for coverage, such as coverage for critical illnesses, maternal benefits, senior citizen coverage, etc. Determine if these extras are required for your circumstances.

Individual Health Insurance Premium Chart

At Digit, our health insurance rates are divided into two zones for convenience based on healthcare prices in different cities.

Zone 1: It includes Greater Hyderabad, Greater Mumbai, and Delhi NCR.
Zone 2: It includes the rest of India.

Let’s look at a real-world example to understand the individual health insurance plans and the premiums charged for the particular sum insured. Ideally, we recommend for “Infinity Wallet Plan” as one of our most popular and reliable plans for every individual.

Let’s take the example of Rahul who is 25 years old and has Individual Health Insurance. He lives in Noida (Zone 2) and has chosen the Infinity Wallet plan for himself having a sum insured of ₹10 lakh. Let’s see how much annual premium he pays for this particular sum insured.

Health Insurance Premium for Different Sums Insured

Sum Insured	Starting Annual Premium for Infinity Wallet Plan (excluding GST)
₹5 lakhs	₹6,213
₹10 lakhs	₹7,455
₹15 lakhs	₹8,077
₹25 lakhs	₹9,319
₹50 lakhs	₹10,748
₹1 Crore	₹12,301

Note: The annual premium mentioned above is excluded from GST and only mentioned for Zone 2 cities. The price varies for Zone 1 cities. Also, age, plan choice, and other conditions may affect your premiums.

Why ₹10 Lakh Coverage Recommended in Infinity Wallet Plan?

A ₹10 lakh sum insured is highly recommended because:

The medical inflation rate is rising yearly by up to 14%, increasing the cost of medical expenses and treatment. Hence, the Infinity Wallet plan provides adequate coverage to protect against the rising cost of hospital stays and treatment.
It offers a higher no. of coverage at a minimal premium paid. It includes no room rent capping, cumulative bonus, health checkups, etc.
Furthermore, financial protection and peace of mind are provided by having a ₹10 lakh sum insured, which lowers the possibility of unanticipated medical costs.

How to Buy Individual Health Insurance Online with Digit?

With all digital friendly and hassle-free process, buying Insurance at Digit is as easy as A.B.C. with just a few simple steps:

Step 1

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

Step 2

Select family members to insure, add age of the eldest member and click ‘Continue' to choose your Sum Insured, Plan and Add-ons.

Step 3

Next, enter the details of each family member and click ‘Pay Now' to complete the payment and mandatory KYC verification process.

Step 4

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

Eligibility to Buy Individual Health Insurance Policy in India

The eligibility criteria differ for different insurance companies. Before purchasing one, you must ensure you are eligible to purchase the particular policy. Here are the general eligibility criteria to get an individual health insurance.

Eligibility Criteria	Explanation
Nationality	To be eligible for individual health insurance, you must be an Indian citizen or a resident of India.
Age	When you buy an individual health insurance plan, you will see a certain minimum and maximum eligibility age. The age must be between 18 and 65 years. However, certain policies may include provisions for senior citizens.
Medical History	Pre-existing illnesses, diseases, surgeries, and other treatments are among the things that insurance companies frequently ask you to reveal. You must share your medical history to get better coverage for your overall health.
Premium Payment	Your ability, desire and frequency to pay the insurance payments will also determine your eligibility.
Medical Examination	Some policies may require a medical examination to determine your health status before approving your coverage. The examination or diagnosis tests can differ depending on your age and medical history.
Disclosure	Provide the insurer with accurate information about your health, medical history, lifestyle you follow and other health-related habits
Renewal Criteria	Certain plans contain age restrictions or claim histories that may impact your eligibility for renewal in later years.

Documents Required for Individual Health Insurance in India

In order to buy an individual health insurance plans in India, you need to submit certain documents for verification. These documents are essential to verify your age, identification and residence. Documents include:

Aadhaar Card
Grade 10 & 12 mark sheets
PAN Card
Voter’s ID
Passport
Driving License
10th or 12th grade mark sheets

Disclaimer: To purchase a Digit Health Insurance plan, you must provide the above documentation. However, depending on the specifics of each case, the terms of the policy, and the underwriting standards, more documentation might be required. Kindly contact the insurance company for an exhaustive list of necessary paperwork.

How to Download Your Individual Health Insurance Policy with Digit?

You don’t need to carry a stack of papers to get your insurance policy anymore. Sounds amazing, right? At Go Digit, we simplify the process by helping you go completely paperless. You can download your health insurance policy directly from our website or app.

Simple, hassle-free, and eco-friendly!

How to Use the Website to Download Your Digit Health Insurance Policy?

Step 1: Log in to our website and access your account.
Step 2: To get your policy, click the "Download Policy" option.

How to Use the App to Download Your Digit Health Insurance Policy?

Step 1: Enter your number to log in to the "Digit Insurance App."
Step 2: To view all your policy documents, click the "My Policies" section.
Step 3: Choose the particular policy you want to download and select the “Download Policy” option. The policy document will be easily accessible to you.

How to Choose the Right Sum Insured?

No amount you save will ever be enough to fulfill your healthcare bills. Still, for sufficient coverage and security, it is important to choose an accurate sum insured under your individual health insurance plan. Here are some factors that will help you choose the right sum insured:

Age: The amount of sum insured you need depends mainly on your age. If you are in your 40s, you will require a larger sum insured to cover rising medical costs. If you are young and healthy, you can begin with a lower sum insured and raise it progressively over time.
Health: Evaluate your health before choosing a sum insured. You might start with a lower coverage level if you're in good health because you might not need to visit the hospital frequently. On the other hand, you should select the insurance coverage amount appropriately if you feel that you may require specific medical operations in the future due to your poor health.
Dependents in Family: An individual health insurance is designed for you, but you have the option to add dependents such as your parents, spouse and kids. Choose a higher sum insured if your family members are dependent on you for their health coverage.
Existing Health Conditions: If you have a previous medical condition or any serious illness requiring frequent medical visits, you should choose a more significant policy with a higher sum insured to cover your medical costs.
Lifestyle & Surrounding: When choosing the sum insured for your policy, you must also consider the city where you reside and your lifestyle. Living in a large metropolis like Delhi or Mumbai increases your chances of experiencing stress and pollution regularly. These cities have reasonably priced medical services. Thus having a policy with a greater sum insured is essential.

How to File a Claim?

Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Documents Required to File a Claim

Below is a concise overview of the essential documents required to file your claim.

Claim form (filled & signed) - if required
Discharge summary
Hospital bills (original, with breakdown)
Prescriptions with pharmacy bills
Consultations paper & investigation report
KYC and bank details (with a cancelled cheque)

Note: The documents listed above are the standard requirements for filing an insurance claim. The company might ask for additional documents based on your requirement or policy terms.

How to Renew Individual Health Insurance?

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: Make the payment and it's done!

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.

Things to Keep in Mind When Buying an Individual Health Insurance Plan

So far, you might have known why an individual health insurance is essential. However, when purchasing one for yourself, you must keep some important factors in mind. Here are some things you must remember before buying any individual health insurance policy.

Coverage Benefits: Always consider the coverage you’re getting and whether that’s enough for you. Consider your age, health condition, lifestyle, and estimated medical treatment cost to finalize what coverage you need. This can include pre- and post-hospitalization, critical illness treatment, medical benefits, etc.
Sum Insured: Select a sufficient sum insured to cover any necessary medical costs. Think about the long-term rise in healthcare expenses and inflation. The amount of the insurance should be enough to pay for both current and anticipated medical costs over the upcoming years.
Premium Cost: Examine the premiums offered by various insurance companies. Select a policy that strikes a balance between the premium cost and the amount of coverage. Ensure that the policy you choose is affordable and provides you with maximum benefits.
Network Hospitals: Know about the network hospital list to see if you qualify for a cashless claim. Make sure the hospitals in the network are convenient and near your location. Check whether the hospital has the required specialists and equipment to perform any surgery in the future.
Waiting Period: Making a decision would be easier if you were aware of the waiting period clause. During a waiting period, the insurer will not accept any claims resulting from specific illnesses, pre-existing conditions, or claiming for maternity benefits. Furthermore, the benefits will only become available to you once this time has passed.
Lifetime Renewability: Consider choosing a policy that allows for lifetime renewals to have coverage in later years. This process ensures that you can keep your insurance for your future as you get older and health problems become more common and serious.
Claim Process: The whole point of buying health insurance is to benefit from making medical claims. Therefore, look at the claim processes involved with your insurer. Make sure the policy provider has a high claim settlement ratio and a less time-consuming process.
Customer Reviews & Testimonials: Trust the people who have already purchased any insurance from the insurer. Look for reviews on social media or your insurance service provider’s website to learn more about people’s experiences with the said brand.
Other Benefits: Look at service benefits and other additional benefits, such as pre-and post-hospitalization coverage, preventive health check-up facility, room rent limit, etc., that your insurer provides in addition to the basic coverage.

How to Save Income Tax with an Individual Health Insurance Policy?

Apart from safeguarding your health, an individual medical health insurance also benefits you in maximizing your savings further by giving you the benefit of tax exemptions. This can be done in the following ways:

Through Preventive Health Checkups: As per the Income Tax Act, Section 80D- an individual can get a tax exemption of up to Rs 5,000 on the expenses incurred for preventive health checkups in one policy period.
Include your parents in your health insurance plan: According to Section 80D in the Income Tax Act, if you include your dependent parent in a health insurance plan or pay premiums for their health insurance, they can be exempted from taxes up to Rs 50,000 every year.

#Remember: To claim tax exemptions on your health insurance, it’s necessary that all payments towards your health insurance premium must be made through bank transfers, debit/credit cards or online/net banking methods since cash payments won’t be considered for your tax savings.

Are There Any Waiting Periods Under Individual Health Insurance Plans?

The term "waiting period" in insurance refers to the actual length of time that you must wait before claiming any health insurance. In simple words, it describes the time you must wait from the day you have bought health insurance and the day you can begin using it. Waiting periods are included in health insurance plans to shield the insurer against immediate claims.

For instance, if your policy states a 45-day waiting period, you must wait 45 days before receiving benefits for any illness or injury.

These waiting periods are of different types, such as initial waiting period, for pre-existing disease, for a specific disease, for maternity benefit & baby cover and for accidental hospitalisation. Let’s compare the waiting periods of different insurers vs Digit.

Types	Waiting Period by Other Insurers	Waiting Period by Digit
Initial Waiting Period	Up to 30 day	30* days
Pre-existing disease Waiting Period (diabetes, hypertension, thyroid, etc)	1 to 4 years	3 years
Waiting Period for Specific Diseases & Surgery	1 to 2 years	2 years
Maternity Benefit & Newborn Baby Cover Waiting Period	2 to 4 years	Currently not available with Digit
Accidental Hospitalisation	No waiting period	No Waiting Period

*The 30-day waiting period is available through the Initial Waiting Period Modification add-on.

Note: These durations can vary slightly based on the insurer and the specific terms of the policy, so it is always advisable to review individual policy documents for precise details.

Know More About Individual Health Insurance

Why should I take up an Individual Health Insurance online?

Health insurance has often been looked at as complex and ambiguous. More often, people have purchase health insurance policies only for tax benefits, without really looking at its other advantages, such as how it protects and safeguards you against various illnesses and medical emergencies.

However, the times have changed, and thankfully, many health insurance policies are now digital. This not only makes the entire process of buying health insurance easy but also gives you the flexibility to learn more about it, compare health insurance plans online, and customize your plans according to your personal needs with just a few clicks and no paperwork at all!

Some Benefits of Buying an Individual Health Insurance Plan Online include:

Ease of Comparison
Easy Access to Information
Flexibility
Convenience in Buying
Customization
Accessing Everything at One Click
Time-Saving
Paperless Process
Instant Quotes

Is Cashless Treatment Available under Digit’s Individual Health Insurance Policy?

When you make a health insurance claim, especially after visiting a hospital due to an accident or illness, you can choose between a cashless or a reimbursement claim. Digit offers both claim options to give you flexibility and peace of mind during any medical emergencies.

With a cashless claim, you can receive medical care at a network hospital without paying for it out of pocket. Instead, the hospital sends the bills directly to the insurance company, which then pays them. At Digit, you may choose from 16400+ cashless hospitals in India to receive cashless services by utilizing your cashless health insurance.

Why Should You Trust Digit for Your Individual Health Insurance?

Health Insurance Made Easy Online: One of the main benefits of Digit is that everything from buying a health insurance to making claims is digital friendly. This means you can buy and customize your health insurance plan from the comfort of your home. Additionally, these online processes ensure everything is transparent, so you know exactly what to expect.
Cashless Settlements Available: A cashless settlement means you can make claims without having to pay from your pocket. This not only makes your claim process easier but, also ensures you don’t need to worry about spending money yourself. The same is only possible when you use the services of a hospital that is part of Digit’s network.
Wide Network of Hospitals: To benefit from cashless settlements, you need a good range of hospitals made available. Fortunately, Digit offers its policyholders with 16400+ wide range of partner hospitals all over India.
Customized Health Plans: When you buy a health insurance online with Digit, you get the benefit of customizing your health insurance plan based on your personal requirements and needs. For example; you can also customize your Sum Insured for one policy term. After all, you know yourself better than anyone else.
Cares about your Physical & Mental Health: At Digit, we not only provide coverage for your physical health but, also cover for your mental health. After all, we believe the two go hand in hand in maintaining one’s overall health and well-being.

How to Compare Individual Health Insurance Plans?

If you’ve never bought a health insurance online, we know this could probably get a tad bit confusing for you. But, that’s why we’ve always kept our insurance simple and here we’ll give you a quick guide on how to compare different health insurance plans online and eventually make the right choice.

Sum Insured: The most important bit! After all, this entails the amount you’ll receive at the time of your claims. Therefore, opt wisely for a viable sum insured and don’t get fooled into buying just any health insurance policies due to low premiums (this would usually mean, the sum insured too is less!)
Coverage: Examine the benefits of coverage provided by various health insurance policies. Pay attention to details like pre- and post-hospitalization costs, ambulance services, patient care, and daycare coverage. Ensure the plan includes all the essential medical coverage you may require without any extra payment.
Real Benefits: Please read the policy terms & conditions before buying an individual health insurance plan, as a lot of benefits look fancy but when you get to their conditions you may realize that claiming them is tough because of the ifs and buts associated with them.
Claim Settlement Record: Always look at a health insurance company’s claim settlement record. What are the processes? How quick are they with claims? Is it simple? Is it completely digital or involves paperwork? Having these clarifications right from the start will ensure you pick what suits you the best and make a sound choice accordingly.
Premium: Of course, this is something you will definitely do! But make sure you don’t just pick the cheapest health insurance only because it comes with a low premium but, look at the sum insured, benefits, services, etc and decide on what seems like the most valuable option of it all.

What is a Cashless Health Claim?

As the name suggests, a cashless claim is when you won’t be required to pay anything from your pocket. However, this is only possible if you’re being treated at one of Digit’s network hospitals.

How to Settle a Cashless Health Claim?

Get in touch with us via phone call or email, before 72 hours of the hospitalization in case of a planned hospitalization or, within 24 hours of the hospitalization in case of an emergency.
Share your health card/copy of e-card along with an ID proof with the concerned hospital authority and obtain the pre-authorization form from the hospital.
Fill in the form, sign and submit it to the concerned hospital authority.
Ensure that the hospital shares your signed form with the Third-Party Administrator (TPA) or Service Provider for further processing.
Once your form is processed, the TPA will issue an authorization letter after confirming the claim along with your policy terms and conditions directly with the hospital.
Once everything is approved and you have a go-ahead, the required treatment must take place within 15 days from the date the respective form was filled in.

What is Reimbursement Claim?

One of the most common claims used is the reimbursement claim. This is mainly because, whether you go to one of our network hospitals or not, this kind of claim can be used at any hospital in India. All you have to do is submit the required documents in due time and receive the reimbursement amount from us.

What is the Process of Reimbursement Claim?

Inform us or the TPA within 48 hours of hospitalization or treatment for which you’re using the hospital services.
Submit all original documents and bills related to your hospitalization or treatment within 30 days of discharge.
Our team will go through the documents submitted and reimburse the required amount within 30 days.

If you are hospitalized, notify Digit at 1800-258-4242 or email at healthclaims@godigit.com within two days of your admittance. We will then offer you a link to upload your hospital bills and other necessary paperwork to complete the reimbursement process.

How is Premium Calculated for Individual Health Insurance Policy?

A lot of people often wonder, how is my health insurance premium calculated? Based on a combination of various factors, your health insurance premium is defined by the following:

Your age: While health conditions are on the rise for young and old people, younger people are still much healthier. Additionally, the younger you are, the more time you have to complete your waiting period for things such as maternity benefits and critical illnesses. Therefore, the younger you are, the lesser your premium! Now you know why people advise the young generation to get health insurance early in life!
Lifestyle: Everything depends on our lifestyles today, doesn’t it? Likewise, our health is dependent on the different lifestyle choices we make. Your health insurance premium will also be affected by your habits, both good and bad. So please make sure you declare everything about yourself, right from whether you’re a gym junkie to whether you’re a smoker or not.
Pre-existing Diseases or Conditions: In case of a condition, illness or injury for which you’ve already been experiencing signs and symptoms at least about 48 months prior to getting your policy, it needs to be declared while purchasing your individual health insurance policy. Your health insurance premium may be affected accordingly based on the kind of condition.
Location: Your health insurance premium will be affected by the place you live in because different cities have different pollution levels, accident risks and medical costs. For example; people living in North India are a lot more prone to lung diseases, due to the high percentage of pollution and decreasing air quality.
Add-ons and Covers: To make sure your health insurance plan is suited just for you and the life you want to lead, your individual health insurance gives you the option to opt for specific covers as additional shields, which will increase your premium amount. These covers include the Critical Illness Cover, Maternity and Infertility Benefit, etc.

FAQs about Individual Health Insurance

All

Why is an individual health insurance important?

With lifestyle diseases on the rise and skyrocketing medical expenses, it’s almost necessary to protect yourself with health insurance that will help you cover any kind of medical expenses. Therefore, individual health insurance is important not only to protect your savings from medical costs but also to help you maximize your earnings by giving you the benefit of saving on tax to up to Rs 25,000 to Rs 50,000 every year (depending on your age).

What are the documents required to buy an individual health policy?

At Digit, since everything is online, we don’t need any documents apart from your Aadhar Card/PAN Card number (this helps with the tax exemption). Additionally, based on your health conditions- we may ask for certain medical checkups to be done.

Does a health insurance cover for pre-existing health conditions?

This primarily depends on the kind of health condition. For example, if you have already been diagnosed with Cancer, we may not be able to cover you on a new health insurance policy. However, if you drink or smoke, you can still be covered at an additional premium.

Does an individual health insurance plan come at a lower price?

The list of inclusions and terms and conditions a health insurance provider provides determines the cost of an individual health insurance policy. If you are paying the premium before the deadline and refrain from claiming health insurance, you can decrease your health insurance price up to some extent.

Can an individual have more than one personal insurance policy?

Yes, an individual can have more than one personal insurance policy for different kinds of coverage and benefits. However, the individual must adhere to the terms and conditions to avail themselves of the maximum tax benefits.

How can a single person save on health insurance?

A single person can save on health insurance by:

Practicing a good lifestyle habit reduces the chances of illness and diseases.
Lowering the amount of claims in a year to get cumulative benefits.
Choosing the best policy with maximum coverage in a limited amount.

Which plan is best for a health insurance plan for an individual?

The greatest health insurance plan is one that provides comprehensive coverage. A person can get such a plan by considering their financial situation, medical history, and way of life right now. Next, pick a plan based on what you need.

To choose the best health insurance plan for yourself, you must:

Look out for the plan that offers maximum coverage
Opt wisely for a viable sum insured
The amount you pay for the premium is under your budget
Offers cumulative benefit if you don't claim any amount in a particular year

What is meant by an individual health insurance plan?

An individual health insurance is a type of health insurance policy customized for a single person; typically, for people below the age of 40 years to safeguard and cover themselves from various illnesses, hospitalization, and other medical emergencies that may arise during their lifetime.

What is the eligibility for an individual health insurance plan?

In order to be eligible for an individual health insurance plan, the person must be an Indian citizen or resident, has an age between 18 to 65, must state their pre-existing diseases and should be eligible to pay the premium amount.

Does individual health insurance come with maternity coverage?

Maternity coverage is not included in any individual health insurance plan. However, you can add maternity coverage with a separate base plan. Get in touch with your insurance provider to know about maternity coverage, its waiting period and additional coverage.

How can you find the best health insurance companies for individuals?

To find the best health insurance company, you must compare different factors such as read the customer reviews, hospital associated, claim process, waiting period, coverage and premium paid for particular health insurance.

How are individual health insurance rates decided?

The rates of any individual health insurance depend upon the applicant's medical history, claim history (if any), coverage scope, previous insurance company, and other factors. These factors decide the premium amount for an individual health insurance policy.

Is group health insurance cheaper than individual health insurance?

Yes, group health insurance is cheaper than individual health insurance. This is so because the risk associated with a group health insurance covers a larger pool of people and it is paid by your employer whereas for an individual health insurance, you have to pay your own premium.

Is it a good idea to buy multiple healthcare insurance plans for individuals?

Yes, it is always a good idea to buy multiple healthcare insurance plans to cover yourself in case of emergencies. If you have different insurance policies, you claim the amount from both of them to cover your total treatment cost.

How many claims are allowed in a year?

You can claim unlimited times in a year. However, you must ensure that there is no specific cap provided by the policyholder and the claim amount must remain under the sum insured.

What if I want to renew individual health insurance with add-on covers?

Yes, you can renew individual health insurance with add-on covers. You can contact your insurance provider to renew your individual health insurance with specific add-ons. However, your premium will be increased to cover the additional requirements.

Is OPD benefit covered under Individual Health Insurance?

Absolutely, OPD care is covered by your health insurance at a higher cost. It is an add-on that pays for diagnostics, recommended medications, and medical consultation costs.

What exactly is "Domiciliary Hospitalisation"?

Domiciliary hospitalization is the term used to describe situations in which the insured person receives care at home because a hospital bed is not available or because their medical condition prevents them from being admitted to the hospital.

What exactly are pre and post-hospitalisation costs?

The costs involved before and after you are admitted to the hospital are basically the pre- and post-hospitalization costs. For example: before you may be admitted to a hospital, you might see a doctor or undergo specific diagnostic tests that come under pre-hospitalisation costs and you might undergo tests after the surgery or treatment that will be considered as post-hospitalisation costs.

Do I Get No Claim Bonus with Individual and Family Health Plans?

Yes, you can get a “no claim bonus,” also known as a cumulative bonus, with both plans if you do not claim any amount in a particular year.

What is the age limit for purchasing an individual medical insurance policy?

Yes, there is an age limit for purchasing an individual medical insurance policy. Individuals between 18 to 65 years of age are eligible to purchase the policy. However, after 60 years, they can opt for a senior citizen health insurance plan.

Do I need to have a medical test done before buying coverage?

Yes, you need to undergo certain medical tests before buying coverage. These tests determine whether you have a pre-existing disease and ensure your eligibility for the same policy.

What happens if I forget to pay the premium for my health insurance policy on time?

If you forget to pay the premium for your health insurance policy before the due date, You will be provided with a grace period. The grace period is the extra time provided by your insurer to complete your premium payment. Some policy providers give a grace period of 15 to 20 days, during which you can complete your payment.

Can I travel internationally with my individual health insurance plan?

Yes, you can travel internationally with an individual health insurance plan. You just have to make sure that your health insurance covers a worldwide treatment option. This will allow you to undergo treatments internationally and claim your individual health insurance.

What are the benefits of preventive care coverage in an individual health plan?

The benefits of preventive care coverage in individual health plans are:

Diagnose & prevent major illness and medical problems
Reduces future healthcare cost
Improves overall health and quality of life
Peace of Mind

How do I choose the right deductible amount for my individual health insurance?

To choose the right deductible amount for individual health insurance, consider the following factors:

Overall health status
Expected medical expenses
Financial situation

Are there any discounts available for healthy individuals on individual health insurance plans?

Yes, certain discounts are available for healthy individuals. The policyholders provide various benefits for healthy individuals on individual health insurance plans such as a Cumulative bonus on the total sum insured. This is provided if you haven't claimed any amount from insurance in a year.

How do I appeal a denied claim under my health insurance plan?

If your claim is denied by your insurance company, you must first know the reason for the denial. After knowing the reason, you can reapply for a health insurance plan.

What is the Best Age to Buy an Individual Health Insurance?

Honestly, the earlier, the better. That way, you’ll have a lower premium and will also cross the waiting period for select benefits. We live in a time where health issues are on the rise, mental health issues amongst millennials are constantly going higher and health expenses aren’t getting any lower!

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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 Individual Health Insurance Policy Online in 2024

Table of Contents

What is an Individual Health Insurance?

Why securing your Health today matters more than ever?

What's Great About Individual Health Insurance by Digit?

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 Individual Health Insurance by Digit

What Makes Health Insurance Highly Important for Young Individuals?

Protects From Lifestyle Diseases

Prioritizes Your Mental Well-Being

Maximize Savings

Improves Overall Well-Being

Saves Tax

Affordable Premiums

Who Should Buy Individual Health Insurance?

How Much Individual Health Insurance Coverage You Need?

Individual Health Insurance Premium Chart

Health Insurance Premium for Different Sums Insured

Why ₹10 Lakh Coverage Recommended in Infinity Wallet Plan?

How to Buy Individual Health Insurance Online with Digit?

Step 1

Step 2

Step 3

Step 4

Eligibility to Buy Individual Health Insurance Policy in India

Documents Required for Individual Health Insurance in India

How to Download Your Individual Health Insurance Policy with Digit?

How to Use the Website to Download Your Digit Health Insurance Policy?

How to Use the App to Download Your Digit Health Insurance Policy?

How to Choose the Right Sum Insured?

How to File a Claim?

Documents Required to File a Claim

How to Renew Individual Health Insurance?

Things to Keep in Mind When Buying an Individual Health Insurance Plan

How to Save Income Tax with an Individual Health Insurance Policy?

Are There Any Waiting Periods Under Individual Health Insurance Plans?

Know More About Individual Health Insurance

Why should I take up an Individual Health Insurance online?

Is Cashless Treatment Available under Digit’s Individual Health Insurance Policy?

Why Should You Trust Digit for Your Individual Health Insurance?

How to Compare Individual Health Insurance Plans?

What is a Cashless Health Claim?

What is Reimbursement Claim?

How is Premium Calculated for Individual Health Insurance Policy?

FAQs about Individual Health Insurance

Why is an individual health insurance important?

What are the documents required to buy an individual health policy?

Does a health insurance cover for pre-existing health conditions?

Does an individual health insurance plan come at a lower price?

Can an individual have more than one personal insurance policy?

How can a single person save on health insurance?

Which plan is best for a health insurance plan for an individual?

What is meant by an individual health insurance plan?

What is the eligibility for an individual health insurance plan?

Does individual health insurance come with maternity coverage?

How can you find the best health insurance companies for individuals?

How are individual health insurance rates decided?

Is group health insurance cheaper than individual health insurance?

Is it a good idea to buy multiple healthcare insurance plans for individuals?

How many claims are allowed in a year?

What if I want to renew individual health insurance with add-on covers?

Is OPD benefit covered under Individual Health Insurance?

What exactly is "Domiciliary Hospitalisation"?

What exactly are pre and post-hospitalisation costs?

Do I Get No Claim Bonus with Individual and Family Health Plans?

What is the age limit for purchasing an individual medical insurance policy?

Do I need to have a medical test done before buying coverage?

What happens if I forget to pay the premium for my health insurance policy on time?

Can I travel internationally with my individual health insurance plan?

What are the benefits of preventive care coverage in an individual health plan?

How do I choose the right deductible amount for my individual health insurance?

Are there any discounts available for healthy individuals on individual health insurance plans?

How do I appeal a denied claim under my health insurance plan?

What is the Best Age to Buy an Individual Health Insurance?

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Download Health Insurance Policy Wordings