Digit Health Insurance

Founded by Kamesh Goyal and backed by the supportive Fairfax Group, Digit Insurance started its operations in 2016. The insurance provider functions with a unique goal to make insurance so simple that even a 15-year-old could understand it.

Since its inception, Digit envisioned a complete transformation of insurance products and processes. Their approach was to go back to the basics, remove the complexities, and build insurance solutions that are not only simple but also transparent and meaningful to people.

With impressive performance through the years, the company won the title of India's First Unicorn in 2021. Offering a diverse range of health insurance plans, some of the top health insurance products by Digit include Indemnity Health Insurance, Diabetes Health Insurance, Health Insurance for Parents, etc. [1]

About Digit Health Insurance

If you're in search of the best health insurance policy at an affordable price, then Digit health insurance is the clear choice for you. It's a premium health insurance company with attractive features, making it the number one pick. Opting for Digit health insurance is a smart move, given its popularity in India with over two crores of people relying on it.

With Digit Health Insurance Company Plans, you gain access to more than 16,400 network hospitals, providing convenience for you and your family. The entire process, from purchasing health insurance coverage to filing claims, is paperless, simple, quick, and straightforward. In short, Digit offers a user-friendly online health insurance process that will suit your needs.

The table below highlights the Digit’s key metrics:

*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [2]

You have the choice of buying Digit medical insurance plans either through InsuranceDekho or the insurer's website:

Purchase Digit Health Insurance Policy Via InsuranceDekho

You can choose between two options when purchasing the policy through InsuranceDekho:

Steps for Purchasing Digit Health Insurance Policy with InsuranceDekho Online:

Step 1: Enter Your Details on InsuranceDekho

Visit the health insurance page on the InsuranceDekho website [3] or fill in the provided form with your name and phone number.

Step 2: Choose the Right Plan

Select the most suitable Digit health insurance plan based on your requirements and budget.

Step 3: Complete Premium Payment

Fill out Proposal Form 1, answer two health-related questions in Proposal Form 2, submit your KYC, and pay the premium amount.

Step 4: Receive Post-Payment Assistance

After paying the premium, an InsuranceDekho relationship manager will contact you to assist with the policy issuance process.

Purchase Digit Health Insurance Policy with InsuranceDekho with Complete Home Assistance

Step 1: Enter Details on the InsuranceDekho Website

Visit the InsuranceDekho website and complete your basic information, including your mobile number, age, and pin code.

Step 2: Evaluate the Digit Health Plans Available

Upon providing your details, you'll receive a list of suitable Digit health insurance plans.

Step 3: Ask for a Call Back

You have the option to request a callback by updating the inquiry on the plan page on the website. Additionally, if you need further assistance, an InsuranceDekho advisor can be arranged to visit your home for personalised assistance.

Purchase Digit Health Insurance Policy From Insurer’s Website

Follow the steps below to buy any of the Digit health insurance policies directly through the insurer's website:

Step 1: In the designated space on Digit's health insurance page [4], enter your PIN code and mobile number.

Step 2: On the subsequent page, provide details of the family members you want insurance for, considering the age of the eldest member, and then customise your plan.

Step 3: Select your desired Sum Insured, Plan, and any additional benefits, such as consumables cover.

Step 4: Enter accurate details for yourself and your family members.

Step 5: Based on your chosen options, receive the annual premium amount, make the payment, and submit your KYC.

You will instantly get your Digit health policy issued.

Digit Health Insurance offers a Cashless Everywhere feature, allowing policyholders to choose cashless treatments at any hospital, even those outside the network. To avail of this, certain conditions must be met.

For planned treatments at non-network hospitals, notify Digit 48 hours before admission. In emergencies requiring immediate hospitalisation at a non-network hospital, inform Digit within 48 hours of admission.

Note: Approval for non-network cashless treatment depends on policy terms, conditions, and hospital agreements. Also, some hospitals are not part of the Digit Health Insurance network. Check the excluded hospitals list here [5].

Awards and Achievement of Digit Health Insurance

• Digital Insurer of the Year: Asia Insurance Review - 2021
• Most Innovative General InsurTech Company: Brand Awards 2021 (Global Brands Magazine)
• IFTA 2021 Award for Excellence in InsurTech: IFTA - 2021
• SKOCH Gold Award for Innovating India’s First COVID-19 Cover 2021
• General Insurance Company of the Year: 24th Asia Insurance Industry Awards - 2020
• Asia's Best General Insurance Company of the Year: Asia Insurance Review - 2019
• Best General Insurance Company: CMO Confluence & Corporate Awards - 2019 [6]

Reach out to Digit Health Insurance customer support [7] through the following channels:

• Call: 1800-103-4448
• Email: hello@godigit.com
• WhatsApp: 70260 61234 (Note: This number is for chat only, not for calls)
• Download the Digit app on iOS and Android devices for assistance.

For additional support, you can contact the InsuranceDekho Customer Support team at any of the following contact points: [8]

• Call: +91-755 1196 989
• Email: support@insurancedekho.com

Complaints & Grievance Redressal

Digit Health Insurance places a high priority on ensuring your peace of mind and is committed to resolving any concerns you might encounter. If you have a grievance or you are dissatisfied with the decision or resolution or have not received a response within 15 days, you have the option to escalate the matter to our Grievance Redressal Officer, Mr. Praveen Bhat, via email at grievance@godigit.com or by mail at Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095. [9]

Not only this, but InsuranceDekho is also available to assist you with any complaints. Contact our Grievance Redressal Officer, Mr. Rohit Khurana, at grievance@insurancedekho.com. If the issue persists, you can report it to the Principal Officer at PO_GIBPL@girnarinsurance.com. Visit our Grievance Redressal page for more information [10].

1. https://www.godigit.com/about
2. https://irdai.gov.in/web/guest/document-detail?documentId=4273788
3. https://www.insurancedekho.com/health-insurance
4. https://www.godigit.com/health-insurance
5. https://www.godigit.com/health-insurance/digit-cashless-network-hospitals-list/non-preferred-hospitals
6. https://www.godigit.com/reviews/digit-health-insurance-reviews
7. https://www.godigit.com/contact
8. https://www.insurancedekho.com/contact-us
9. https://www.godigit.com/claim/grievance-redressal-procedure?utm_source=digit_mobileapp&utm_source=digit_mobileapp&platform=android
10. https://www.insurancedekho.com/grievance-redressal