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Why you Should Consider Buying a Long Term Health Insurance?

In the recent pandemic that crumbled the world, we witnessed the importance of healthcare like never before. The ever-rising cost of health services that has always existed, became more prominent during the pandemic and showed us the significance of having Health Insurance.

Health Insurance is the “kavach” that should always be around us, and we should be well prepared for every renewal. Another option is, instead of renewing it the usual way, i.e., annually, we can look at the long-term plans that are valid for more than one year.

Apart from the benefit of being carefree from the renewal tension for a long while, long-term plans have a few other benefits over and above the annual plans.

What is Long Term Health Insurance?

Long Term Health Insurance, as the name implies, has a longer tenure than the standard one-year tenure of health insurance. Its tenure usually ranges between 2-3 years. Hence you have a financial cushion against any health care requirements for a longer period.

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Features of Long-term health insurance

Frequently Asked Questions

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What about pre-existing diseases? Can you make a claim against pre-existing diseases in long term health insurance?

Yes, the method is the same as in the annual health plan. Long-term Health insurance also covers pre-existing diseases but with the required waiting period.

Is the Long-Term Option available for senior citizens?

Senior Citizens are considered a high-risk group, and hence the insurance companies usually do not offer long-term plans for senior citizens. However, you can always check up with your insurance provider since the rules and conditions differ from one company to the other.

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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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CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

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.

Why you Should Consider Buying a Long Term Health Insurance?

What is Long Term Health Insurance?

Features of Long-term health insurance

Reduced Risk of Policy Lapse

Premium Discount

Less Paperwork

Safe from Market rate changes

Frequently Asked Questions

What about pre-existing diseases? Can you make a claim against pre-existing diseases in long term health insurance?

Is the Long-Term Option available for senior citizens?

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Download Health Insurance Policy Wordings

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