Go Digit Health Insurance

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Highlights
Network Hospitals5,900+
Policies Sold865
Incurred Claim Ratio11%
RenewabilityLifelong
COVID-19 CoverCoronavirus (COVID-19) Cover*
Claim SettlementDedicated Team
Free Health CheckupAvialable

About Go Digit

Go Digit General Insurance is a leading non-life general insurer in India that is backed by Fairfax Financial Holdings Limited, a well-known Canada based diversified financial services group which is operating in more than 30 countries. Incorporated in the year 2016, Digit General Insurance has been the winner of Top Indian Start-ups for the year 2018 and 2019. The insurer has also been awarded Asia’s General Insurance Company of the Year 2019. Through its digital platform, the insurer offers a wide range of general insurance products including health insurance, car insurance, bike insurance, commercial insurance, shop insurance, and home insurance. 

Digit General Insurance Company aims to simplify health insurance for you. It does so by offering easy to understand policies in one of the most promising segments that it deals in i.e., health insurance. Digit health insurance plans protect you and your family from losing all your savings on healthcare expenses in case of emergency by offering you affordable health insurance plans. All in all, the company is dedicated to offering simple, transparent, and customised health insurance solutions for people of all age groups that offer them peace of mind.

How to Purchase Digit Health Insurance Policy at InsuranceDekho?

At InsuranceDekho, you can purchase Digit Health Insurance plans in two modes viz., Online and Offline. Read further to understand the process for both in detail. 

Buy Digit Health Insurance Plan Online at InsuranceDekho

You can purchase Digit Health Insurance plans online from InsuranceDekho by following a few easy steps given below:

Step 1: Visit insurancedekho.com and click on the ‘health’ tab.
Step 2: Select your Gender. Fill your Name and Mobile Number. You will receive a One Time Password (OTP) on the entered mobile number. Please enter that.   
Step 3: Answer the simple question ‘When do you want to buy the policy’ by choosing one of the options from the drop-down menu. Click on ‘View Quotes’. 
Step 4:  Select your family members you wish to include in your policy. Click ‘Continue’.
Step 5: Select the age of your family members. 
Step 6:  Enter your Email ID and City. Click on ‘Submit and View Quotes’. You will find the most relevant health insurance quotes on your screen. Shortlist the one you want to purchase.  
Step 7: Select the term you wish to buy the shortlisted policy for. Fill in the required details and pay online via a secured payment gateway. 

Buy Digit Health Insurance Plan Offline at InsuranceDekho

You can also buy Digit Health Insurance plans offline at InsuranceDekho. All you will be required to do is call us on the toll-free number 7551-196-989 and share your requirements with the knowledgeable customer care executives. You can call us any day between 9:30AM to 6:30 PM. We are available all 7 days. 
Feel free to write to us at customersupport@insurancedekho.com in case of any doubt or query. 

Top Digit Health Insurance Plans

Digit Health Insurance plans cover you and your family against basic healthcare expenses. Read further to know about top health insurance plans offered by the insurer:

  1. Digit Healthcare Plus Policy: Digit Healthcare Plus Policy covers you and your family against several medical expenses in case of hospitalisation. Available for a policy term of 1 year, 2 years, and 3 years, you can be covered under this policy if you are aged between 1 year and 65 years. The policy covers you against in-patient hospitalisation expenses, daycare procedures, pre-hospitalisation and post-hospitalisation expenses, dental treatment if required due to an accident, road ambulance expenses, second e-opinion expenses, bariatric surgery expenses, AYUSH treatments, and complementary health check-up. 
  2. Digit Arogya Sanjeevani Policy: Digit Arogya Sanjeevani Policy is an affordable health insurance policy that covers you and your family against basic healthcare expenses in case of hospitalisation. You can be covered under this policy if you are aged between 3 months and 65 years for sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh. Available for a period of 1 year, the policy needs to be renewed annually thereafter. Some of the medical expenses that the policy covers are in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, AYUSH treatment expenses, and expenses related to daycare treatments. 

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up plan is like a regular health insurance plan that comes handy when the sum insured of your existing health insurance plan gets exhausted due to claims made during a policy term. Top-up plans come with a deductible. This is the amount that the insured has to pay as a part of the claim whenever it arises and the rest is paid by the insurer. 
Top-up health insurance plans are comparatively more affordable and come with a high sum insured range. Also, the premiums paid under top-up health insurance plans are eligible for tax benefits under section 80D of the Income Tax Act, 1961. 

Why Choose Digit Health Insurance?

Digit Health Insurance is a preferred choice for many due to the following reasons: 

  • Impressive Claim Settlement Ratio: Digit General Insurance registered an impressive Claim Settlement Ratio of 83.08% in the financial year 2018-2019 against the health insurance claims received by it. 
  • Awarded Asia’s General Insurance Company of The Year 2019: In just a couple of years since its operations, Digit General Insurance has been awarded Asia’s General Insurance Company of the Year Award for the year 2019. This shows the commitment of the insurer towards offering good quality services.
  • Growing Customer Base of More Than 50 Lakh Customers: The customer base of Digit General Insurance Company is increasing from time to time. Also, the insurer has a Facebook rating of 4.8/5, which is the highest for Indian insurance industry. 
  • Wide Network Of Over 5,900 Hospitals: Digit General Insurance Company has a good number of over 5,900 network hospitals where the insured can avail cashless treatment without paying even a single penny. Also, the insurer offers a super simple claim settlement process which keeps the customers at ease. 

Benefits of Digit Health Insurance Plans

Digit Health Insurance plans offer you the following benefits:

  • No Room Rent Restriction: Digit Health Insurance plans offer you the flexibility to choose any hospital room as per your preference. 
  • 2X Sum Insured: Digit Health Insurance plans refill your sum insured amount in case you exhaust it on the claim(s) made previously and unfortunately require it again during the policy term.
  • Lifelong Renewability: Digit Health Insurance offers lifetime renewability benefits under its health insurance plans. This means that there is no restriction on the age and you can continue availing benefits under your Digit Health Insurance plan provided you timely pay the required premium for them. 
  • Portability Benefit: Digit Health Insurance plans offer you portability benefit. This means that in case you are not happy with your existing health insurance policy offered by some other insurer, then you can switch to Digit Health Insurance plans at the time of policy renewal. 

Digit Health Insurance Claim Settlement Ratio

Claim Settlement Ratio or CSR is the percentage of claims the insurer has paid against the total number of claims admitted during a financial year. Higher the CSR, the better it is as it shows that the insurer has maintained good records in settling the claims. Digit General Insurance registered the following claim settlement ratio for health insurance claims in the financial year 2018-2019. 

Financial Year

Claim Settlement Ratio

FY 2018-2019

            83.08%

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th Edition) 

Network Hospitals of Digit Health Insurance

Every health insurance company has tie-ups with hospitals known as network hospitals that allow the insured individual to avail cashless treatment without having to worry about managing the money required for treatment. Others are non-network hospitals where you can avail reimbursement for the treatment taken under your health insurance policy. Digit Health Insurance has a strong network of over 5,900 hospitals where you can avail cashless treatment without paying even a single penny. 

Digit Health Insurance Policy Terms

Digit Health Insurance plans come with the following terms:

Minimum Entry Age

91 days

Maximum Entry Age

65 years 

Policy Renewal

Lifetime renewability offered 

Renewal Premiums

Premiums paid on health insurance renewals are subject to change.

General Waiting Period

A waiting period of 30 days needs to be completed to be eligible to avail of policy benefits. The waiting period is calculated    

Note that terms and conditions vary with different Digit Health Insurance plans. 

Digit Health Insurance Claim Process

Digit General Insurance has a very simple and convenient process of claim settlement. You can make claims under your Digit Health Insurance plan in two ways viz., cashless or reimbursement. Cashless claim process allows you to avail of the required medical treatment without settling the bills at the network hospital. Whereas for reimbursement claims, you are required to first settle the bills at the non-network hospital and then apply for reimbursement. Read the process for both in detail below:   

How To Make Digit Health Insurance Cashless Claim?

Follow the steps given below to avail cashless treatment under your Digit Health Insurance policy:

Step 1: Get Hospitalised and Inform the Insurer
Get hospitalised at a network hospital of your choice and share your Health Card and ID proof with the hospital authority. Note that you are required to inform the insurer within 72 hours of hospitalisation in case of planned hospitalisation and 24 hours in case of emergency hospitalisation. 

Step 2: Fill the Pre-Authorization Form
Obtain the pre-authorization form from the hospital. Fill the form and submit it  at the hospital counter.

Step 3: Submission of Pre-Authorization Form
Make sure that the hospital authorities share the duly filled pre-authorization form with the Third Party Administrator or the service provider for further processing. 

Step 4: Claim Settlement
Your request will be evaluated. The decision will be informed by the service provider or TPA and you will be issued the authorization. You can avail the treatment and the medical bills will be directly settled at the hospital by the insurer. 

How To Make A Digit Health Reimbursement Claim?

You can make a claim for reimbursement under your Digit Health Insurance plan by following the simple steps given below:

Step 1: Get Hospitalised and Avail Treatment
Get hospitalised at any non-network hospital of your choice and avail the required treatment. Also, inform the insurer within 48 hours of hospitalisation. 

Step 2: Settle Bills at the Hospital
Pay for the treatment taken at the hospital.

Step 3: Collect Relevant Documents
Collect all the relevant documents related to your treatment at the hospital.  

Documents Required For Reimbursement Claim Settlement 

You will be required to submit the following documents to make a reimbursement claim under Digit Health Insurance plan:  

  • Duly filled and signed claim form
  • Discharge summary
  • Original hospital main bill
  • Investigation reports
  • Original pharmacy bills
  • Prescriptions for the medicines purchased
  • Medical records 

Step 4: Claim Settlement
After investigation of your hospitalisation, your claim will be settled by the insurer if it is in accordance with the terms and conditions mentioned under your Digit Health Insurance plan. 

Digit Health Insurance Renewal Process

Health insurance renewal is as important as buying health insurance is. It helps you avail of the accumulated benefits such as No Claim Bonus (NCB), waiting period benefits etc. You must renew your health insurance plan before the expiry date. Otherwise, you will be required to complete the initial waiting period again. To renew your Digit Health Insurance policies easily, follow the simple steps given below: 

Step 1: Visit the official website of Digit General Insurance. Open the Renewals page. 
Step 2: Enter the mobile number given at the time of registration. Click on ‘Login’.
Step 3: Select your renewal quote and pay for the chosen health insurance policy online via a secured payment gateway.

Digit Health Insurance Tax Benefits

Apart from many coverage benefits offered under Digit Health Insurance plans, you can also avail tax benefits on the premium paid for them under Section 80D of the Income Tax Act, 1961. If the health insurance premium is paid in one go, then you can avail tax benefits for the number of years of cover. To understand the tax deductions better, refer to the table below:

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder as well as parents are less than 60 years of age

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged over 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are aged over 60 years 

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the HUF (Hindu Undivided Family) 

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals 

Rs. 25,000

Rs. 25,000

Rs. 25,000

Digit Health Insurance Premium Calculation

Health insurance premium is the amount that you as an insured are required to pay on frequent intervals to avail benefits under your Digit Health Insurance plan. Digit Health Insurance offers flexible modes of payment to keep you at ease while paying the required health insurance premium. Digit Health Insurance plans differ in terms of health insurance premium. These are calculated keeping in consideration various factors. Some of them are mentioned below:

  • Pre-Existing Diseases: You are more likely to make health insurance claims if you are suffering from any illness or diseases at the time of buying a health insurance policy. This is why you will have to pay a higher health insurance premium for others if you are suffering from a pre-existing disease. Pre-existing diseases may include thyroid, diabetes, and blood pressure. 
  • Age: As you age, you become more vulnerable to illnesses and hence are more likely to avail benefits under your health insurance policy which increases the liability on the insurer, and hence the health insurance premium you will be required to pay. This is why it is said that you should purchase a health insurance policy when you are young.  
  • Family Medical History: The medical history of your family affects your health insurance premium. Therefore the insurer will check if certain diseases have affected any member of your family and will then decide the health insurance premium you will be required to pay. This is because you will also be vulnerable to those diseases and will be more likely to make claims under your Digit Health Insurance plans. 
  • Lifestyle: Habits such as smoking, drinking, or chewing tobacco affect your health and hence your health insurance premium. This is because these habits make you more prone to diseases and illnesses for which you may require hospitalisation in future. so you will have to pay a higher premium if you are habitual to addictive substances. Note that the insurer may even deny you a health insurance plan if you consume the same in excess. 
  • Sum Insured Amount: Sum insured is the maximum amount that you can claim from the insurer under your health insurance plan in case a medical emergency arises. You can choose the sum insured amount under Digit Health Insurance plans on the basis of your requirement. But remember, the higher the sum insured amount, the higher your health insurance premium will be. 

What All Is Covered Under Digit Health Insurance Plans?

Digit Health Insurance plans cover you against the following healthcare expenses:

  • In-Patient Hospitalisation Expenses: In-patient hospitalisation expenses are those expenses that are incurred due to hospitalisation of at least 24 hours. These include doctor’s fee, room rent, ICU charges, nursing charges, anesthesia, expenses related to blood, and oxygen. Digit Health Insurance plans cover you against such expenses. 
  • Road Ambulance Expenses: If you are covered under Digit Health Insurance plans, then the insurer will pay the reasonable cost for road ambulance services required to transfer you to the nearest hospital. The ambulance will have the medical facilities required during the transportation. 
  • Organ Donor Expenses: Digit Health Insurance plans cover you against the expenses incurred in the harvesting of the donated organ. This will also include pre-hospitalisation and post-hospitalisation expenses up to the sum insured limit. 
  • Pre-Hospitalisation And Post-Hospitalisation Expenses: Digit Health Insurance plans cover you against pre-hospitalisation and post-hospitalisation expenses. These include several tests such as  x-ray, blood test, urine test, consultation fee, diagnostic charges, etc.
  • Home (Domiciliary) Hospitalisation: Domiciliary hospitalisation expenses are those which are incurred due to any illness or disease treated at home for at least 3 days, which otherwise would have required hospitalisation. Domiciliary treatment can be availed if you as a patient are not in a condition to be moved to the hospital or there are not enough beds available in the hospital.   

What All Is Not Covered Under Digit Health Insurance Plans?

Digit Health Insurance plans do not cover you against the following:

  • Treatment Required Due To Breach Of Law With Criminal Intent: Digit Health Insurance plans do not cover you against treatment required due to participation in any illegal, criminal, or unlawful act. 
  • Treatment Required Due To Self Injury: Digit Health Insurance plans do not cover you against any treatment required due to any activity that leads to self-harm such as suicide or attempt of suicide while sane or insane or due to abuse or misuse of alcohol or drugs. 
  • Cosmetic Treatments: Digit Health Insurance plans do not cover you against cosmetic, aesthetic, and re-shaping treatment and surgeries to change your appearance. These may include tummy tuck, tattoo, face lift, ear-piercing, treatment of baldness, wig, circumcision, change of life treatments etc. 
  • Treatments Taken Beyond Geographical Limits: Digit Health Insurance plans cover you only against the treatments taken within the geographical boundaries of India and you will be covered against the medical expenses in Indian rupees only.  
  • Non-Medical Expenses: Digit Health Insurance plans do not cover you against any item used for personal comfort and convenience such as television, expenses related to telephone calls, food, internet, cosmetics, body care products, hygiene articles, etc.

Note that inclusions and exclusions under Digit health insurance plans vary from plan to plan.  

Go Digit Health Insurance Plan List

Name of PlanSum Insured
Digit Health Plus PolicyMin: 1 Year; Max: 60 Years2 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak Policy Min: 18 Years; Max; 65 Years50,000 - 2.5 lakh Get Quotes Now

Claim Process at Go Digit Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Digit Health Insurance User Reviews

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What users are saying
  • All
  • Easy to Understand

    The policy has standard features across all insurers and therefore it is easy to understand too. I got it from...

    Read More
    C
    Arogya Sanjeevani Policy
    By Chinansuka
    On: Jun 21, 2020
  • Affordable Plans

    This is an affordable health insurance policy that covers almost all basic healthcare expenses at an affordabl...

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    G
    Arogya Sanjeevani Policy
    By Gulshan Malhotra
    On: Jun 19, 2020
  • Nice Experience

    The policy covers me and my family for basic healthcare expenses. The best part is that the policy comes at an...

    Read More
    G
    Arogya Sanjeevani Policy
    By Gauri Pradhan
    On: Jun 18, 2020
  • Nice features

    The policy has nice features. I got all what I wanted like pre and post hospitalisation cover, cover for catar...

    Read More
    S
    Arogya Sanjeevani Policy
    By Sakshi Chawla
    On: Jun 17, 2020
  • Satisfied with services of Ins...

    While searching for a good health insurance plan in India for my family, I landed on the website of InsuranceD...

    Read More
    G
    Arogya Sanjeevani Policy
    By Gaurav Patel
    On: Jun 17, 2020

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Go Digit Health Insurance Contact Details

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Go Digit Health Insurance FAQs

  • How to buy and apply for a GoDigit health insurance policy?

    You can buy and apply for any GoDigit General Insurance Policy online from its official website or through an online broker like InsuranceDekho. 

  • Why should I buy a health insurance policy from GoDigit General Insurance Company?

    GoDigit General Insurance Policy is an ideal choice for both, individuals and families who want to make an investment in health insurance without breaking their bank. Trusted by 30 lakh Indians, the health insurance policies of GoDigit come with customer-friendly operations, super-fast claim process, killer prices, and extensive coverage benefits including critical illness cover and maternity benefit. The best thing is that everything is available online. You don’t need to visit any of its offices to submit documents or to understand the policy terms and conditions.

  • What is the toll-free number of GoDigit General Insurance Company?

    The toll-free number of GoDigit General Insurance Company is 1800-258-5956.

  • Is medical health check-up free at GoDigit General Insurance Company?

    Yes, medical health check-up is provided if you renew the policy with the insurer without a break. GoDigit Health Insurance pays the costs of health check-up up to the specified sum insured mentioned in your policy document.

  • Is there outpatient (OPD) benefit under the policy of GoDigit General Insurance Company?

    Yes, the GoDigit General Insurance Company covers expenses like health check-ups, doctor’s consultation fees, pharmacy bills, diagnostic tests, dental treatment, etc. even when you are not hospitalised.

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