कोरोनावायरस सहित सभी स्थितियों में अस्पताल में भर्ती होने पर
This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
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अतिरिक्त इंश्योरेंस राशि- गंभीर बीमारी में अस्पताल में भर्ती होने पर
This is an extra cover that can be used in case of any Critical Illness treatment. (For eg: Kidney Failure, Cancer, Liver Failure, Brain Tumor, etc) However, this can only be used after your All Hospitalization coverage is exhausted.
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अतिरिक्त इंश्योरेंस राशि- अस्पताल में अचानक भर्ती होने पर
This is an extra cover that can be used in case of a hospitalization due to an accident when your All Hospitalization coverage has already been exhausted.
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Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.
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कोई आयु आधारित सह-भुगतान (कोपेमेंट) नहीं
A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no age based copayment involved!
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If you do not make any claim in a year, Digit rewards you with an increase in your base Sum Insured, without any increase in your annual health insurance premium. This increase in your Sum Insured is called as your 'Cumulative Bonus'.
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In some cases it may happen that your Sum Insured is already used up due to an accident or illness, or simply because your entire family was sharing the Sum Insured. In such cases, we give you the benefit to refill it at any point in your policy period.
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कमरे के किराए पर प्रतिबंध
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.
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ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured.
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कॉम्प्लिमेंट्री स्वास्थ्य जांच
Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice.
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In case of an organ transplant, if there is a need of an organ donor, hospitalisation charges for the organ donor will be covered. However, the cost of finding a donor is not covered.
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Getting admitted in the hospital results in expenses beyond the hospital bill. Digit understands this and pays you a daily cash allowance, that helps you manage daily expenses for things such as snacks, tea, coffee and more. This benefit is applicable after 1 day up to 30 days of hospitalization.
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Under certain unavoidable circumstances, if your parent requires treatment or hospitalization at home, this cover can be helpful.
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अस्पताल में भर्ती होने के बाद एकमुश्त राशि
This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement.
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If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.
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This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.
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नवजात शिशु कवर के साथ मातृत्व लाभ
If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days.
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If your parents wish to get hospitalized under an alternate therapy such as Ayurveda, Unani, Siddha and/or Homeopathy.
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Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same.
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