All About Digit’s Health Plus Policy
Updated On Dec 04, 2020
Digit Health Plus Policy assists in protecting you and your family from unforeseen and high medical bills and also reduces the financial stress that could possibly arise due to such high medical costs. The health plan is designed by GoDigit General Insurance Company to offer extensive plan coverage to its customers.
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About Digit's Health Plus Policy
The policy consists of a variety of benefits and features to meet the expectations of the policyholders in terms of healthcare needs and medical costs. The health insurance plan offers coverage for critical illness treatment, maternity expenses, hospitalization expenses, etc.
The plan provides a large number of sum insured options, starting from Rs 2 lakhs. It enables the policyholder in availing cashless treatment in hundreds of partnered network hospitals across the country. Moreover, it also helps in claiming the reimbursement facility at both network and non-network hospitals. The policyholder is covered against all sorts of medical costs up to the sum insured during the policy period, which is referred to in their policy schedule.
Digit's Health Plus Policy Coverage
Digit Health Plus Policy offers coverage to:
- Self
- Spouse
- Children
- Parents and more
The plan provides a large number of sum insured options, starting from Rs 2 lakhs. It enables the policyholder in availing cashless treatment in hundreds of partnered network hospitals across the country. Moreover, it also helps in claiming the reimbursement facility at both network and non-network hospitals. The policyholder is covered against all sorts of medical costs up to the sum insured during the policy period, which is referred to in their policy schedule.
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What Is Included Under Digit Health Plus Policy?
The coverage offered under Digit Health Plus Policy is mentioned below:
1. Pre-Hospitalisation Expenses
The policyholder is offered coverage for all the pre-hospitalisation expenses including investigation, consultation and medicinal costs for the duration not going beyond the number of days opted by them against this cover, before the date of getting admitted in the hospital.
2. Post-Hospitalisation Expenses
The policyholder is offered coverage for all the pre-hospitalization expenses i.e. expenses incurred to post the patient gets discharged from the hospital.
3. In-Patient Treatment Cover
The policyholder is offered coverage for all the in-patient hospitalization expenses i.e. all the expenses incurred during the treatment in the hospital such as room rent, ICU, medicine cost, fees of the doctor, etc.
4. Maternity Treatment
The policyholder is offered coverage for the maternity expenses incurred at the time of the birth of a baby or treatment costs incurred due to pregnancy complications or medically necessary abortion.
5. Outpatient Treatment
The plan covers the policyholder for outpatient treatment expenses i.e. one that is incurred for treatment without getting hospitalized. Such expenses generally include diagnosis tests, medical bills, health check-up, consultation fees, etc.
6. Critical Illness Treatment
The policyholder is also covered against all the expenses arising due to any covered critical illness or surgical procedures. Critical Illnesses include:
- Cancer of specified severity
- Myocardial Infarction
- Open heart replacement/ repair of heart valves
- Surgery to Aorta
- Primary pulmonary Hypertension
- Open Chest Cabg
- End Stage Lung Failure
- End Stage Liver Failure
- Kidney Failure requiring Regular Dialysis
- Major Organ/Bone Marrow Transplant
- Apallic Syndrome
- Benign Brain Tumor
- Coma of specified severity
- Major Head Trauma
- Permanent Paralysis Of Limbs
- Stroke Resulting In Permanent Symptoms
- Multiple Sclerosis
- Aplastic Anaemia
- Loss Of Independent Existence
7. Alternate Treatment
The plan offers coverage for plenty of alternative treatments like AYUSH, infertility treatment, and organ donation.
What Is Excluded from Digit Health Plus Policy?
The key exclusions from Digit Health Plus Policy include:
- Attempt to suicide or suicide under the influence of drugs, alcohol abuse, or insanity.
- Any pre-existing diseases till the time waiting period are complete.
- Both prenatal and postnatal expenses lead to hospitalization.
- Medical expenses arising out of illegal/unlawful participation in criminal activities.
- Maintenance of life using a life support system.
- Hospitalisation due to a condition mentioned other than the doctor's prescription.
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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
