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Digit Health Insurance

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio93%
COVID-19 CoverAvailable
Free Health CheckupAvailable
Network Hospitals7000+
Policies Sold20,000
RenewabilityLifelong

About 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 intends to make health insurance as simple as possible for you. It does so by providing simple policies in one of the most promising segments in which it operates, namely health insurance. By providing affordable health insurance plans, Digit health insurance plans protect you and your family from losing all of your savings on healthcare expenses in the case of emergency.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.

Digit Health Insurance Premium Calculation

The amount that you, as an insured, are expected to pay at regular intervals in order to receive benefits under your Digit Health Insurance plan is known as a health insurance premium. Digit Health Insurance offers a variety of payment methods to make it much easier for you to pay your 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: If you are ill or have a disease when you buy a health insurance policy, you are more likely to file claims. This is why, if you have a pre-existing disease, you will have to pay a higher health insurance premium than others. Thyroid, diabetes, and high blood pressure are examples of pre-existing diseases.
  • 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. As a result, the insurer will look to see if certain diseases have affected any members of your family before calculating the health insurance premium you must pay. Because you will be vulnerable to those diseases, you will be more likely to file claims under your Digit Health Insurance policies.
  • 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: The maximum amount you can claim from your insurer under your health insurance plan in the case of a medical emergency is called the sum insured. Under Digit Health Insurance plans, you can choose the sum insured amount based on your requirements.But remember, the higher the sum insured amount, the higher your health insurance premium will be.

Health Insurance Calculator

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Disclaimer : Actual Premium might vary basis your location, age and number of members

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: In the case of hospitalisation, the Digit Healthcare Plus Policy will cover you and your family for a range of medical expenses. You can be insured under this policy for a policy term of 1 year, 2 years, or 3 years if you are between the ages of 1 and 65.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. The policy is valid for one year and must be renewed annually after that. In-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, AYUSH treatment expenses, and expenses related to daycare treatments are some of the medical expenses included by the policy.

Digit Health Insurance Plan List

    Name of PlanSum Insured
    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 PolicyMin: 18 Years; Max; 65 Years50,000 - 2.5 lakh Get Quotes Now
    Health Care Plus PolicyMin: 18 years; Max: 65 years10 Thousand - 3 Crore Get Quotes Now
    Total Protect PolicyMin: 18 years; Max: 85 years1 Thousand - 20 Crore Get Quotes Now
    Complete Care PolicyMin: 1 year; Max: 60 years Get Quotes Now

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

    A top-up plan is similar to a regular health insurance plan in that it comes in handy when the sum insured of your existing health insurance plan is exhausted due to claims filed during the policy term. A deductible applies to top-up plans.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 63.56% in the financial year 2019-2020 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.

    Health Insurance Coverage Calculator

    Who do you want to insured ?

    • Individual
    • Couple
    • Family
    • Parents

    Age of eldest insured member ?

    Where do you live ?

    Metro
    Non-Metro
    Disclaimer : Actual Coverage might vary basis your location, age and number of members

    Network Hospitals of Digit Health Insurance

    Every health insurance company has a network of hospitals through which the insured individual can receive cashless care without having to worry about managing the money needed 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 yourself of cashless treatment without paying even a single penny.

    1307 Digit Cashless Network Hospitals in India

    Digit Health Insurance Tax Benefits

    Apart from the many coverage benefits provided by Digit Health Insurance plans, you can also benefit from tax benefits on the insurance premiums under Section 80D of the Income Tax Act of 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

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Digit Health Insurance Claim Settlement Ratio

    The CSR, or Claim Settlement Ratio, is the percentage of claims paid by an insurer compared to the total number of claims admitted in a given financial year. The higher the CSR, the better, as it shows that the insurer has a good track record of settling 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%

    FY 2019-2020

    63.56%

    (Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

    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.The cashless claim process allows you to receive necessary medical treatment without having to pay for it at a network hospital. Whereas, for reimbursement claims, you must first pay your bills with a non-network hospital before applying 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
    If your claim satisfies the terms and conditions of your Digit Health Insurance plan, it will be settled by the insurer after an investigation of your hospitalisation.

    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.

    Claim Process at 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.

    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: Under its health insurance plans, Digit Health Insurance provides lifetime renewability benefits. This means that you can continue to receive benefits under your Digit Health Insurance plan regardless of age as long as you pay the required premium on time.
    • Portability Benefit: Digit Health Insurance plans offer you portability benefits. 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 User Reviews

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    What users are saying
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    Latest News on Digit Health Insurance

    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 have a Digit Health Insurance plan, the insurer will cover the reasonable cost of a road ambulance service to take you to the nearest hospital. During the transportation, the ambulance will have all of the required medical facilities.
    • 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: Expenses for domiciliary hospitalisation are those incurred as a result of any illness or disease that is treated at home for at least 3 days but would otherwise require 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 only cover treatments received within geographical boundaries of India, and you will only be paid for medical expenses in Indian rupees.
    • 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.

    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.

    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.

    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 45 Lacs+ happy customers

    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.

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    Digit Health Insurance Contact Details

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    FAQ About Digit Health Insurance

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

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

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

      Go Digit 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 Go Digit 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 Go Digit General Insurance Company?

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

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

      Yes, medical health check-up is provided if you renew the policy with the insurer without a break. Go Digit 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 Go Digit General Insurance Company?

      Yes, the Go Digit 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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