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Choosing the right health insurance is crucial, especially with medical costs going up every year. Government statistics reveal that a significant 83.7% of Indians use their own household income or savings to cover hospital bills, and more than 12% depend on loans or financial assistance from family and friends to manage these costs.
In India, these costs can jump by 12-14% annually. That's why it's important to think about health insurance policy as something you'll need for a long time, about 30-35 years, to make sure you're covered no matter what happens down the road.
In this article, you will discover the importance of health insurance and how Digit Insurance can help you meet the rising healthcare costs for yourself and your family. Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
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!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy.
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
|
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 |
Our Wellness Program is an effort in helping you reach your goal of healthy life. It aims to help you achieve a healthy lifestyle through a range of discounts and benefits on health and fitness services.
Additionally, our program includes informative sessions and programs that can help you become more aware of your health and empower you to take better care of yourself. With our wellness program, we strive to provide you with the awareness and resources needed to stay in the pink of your health!
Some of our Wellness Benefits are:
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:
On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices’.
Select family members to insure, add age of the eldest member and click ‘Continue' to choose your Sum Insured, Plan and Add-ons.
Next, enter the details of each family member and click ‘Pay Now' to complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
For buying a health insurance plan with Digit, you will be required to provide the below documents for identity verification, proof of residence and age verification.
Disclaimer: The documents listed above are the standard requirements for purchasing Digit Health Insurance. However, additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider for a comprehensive list of required documents.
With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website or app.
The policy document will be at your fingertips without any hassle.
Follow the below steps to download the e-card for Digit Health Insurance
Below is a concise overview of the essential documents required to file your claim.
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.
Get cashless treatment at 16400+ hospitals across India
Nothing can be better than helping when someone needs it, thanks Go Digit for an extremely hassle-free experience. Regular support through call and email, claim filing by Go Digit only as I was facing difficulty and claim credited to my account within 2 days of completion of process. I would recommend others too to go for Go Digit only.
Services of Go Digit is awesome, especially Mr. Yasser Amin surveyor is very kind and cooperative. So, I strongly recommend Go Digit. When buying the policy, I was hesitating as it is new player in the insurance sector but after using its services, I am satisfied. I give 5 out of 5 star to Go Digit. Cash less claim network is also fabulous. I wish Go Digit to be No 1 company in coming years.
Prompt follow-up & good backup by Go Digit team, even in this pandemic lockdown. Special thanks to Mr. Abhishek Kumar Pathankot for all the efforts & backup.
Excellent Service by Team Digit especially by Priyatosh Roy who provided a great customer experience even in these difficult times of lockdown. He not only followed up on my issue but also resolved it in a timely manner. He has surely gone above and beyond his duty in providing a satisfactory customer service. I would like to thank the Team for all their support and professionalism.
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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.
