GoDigit General Insurance Benefits

GoDigit General Insurance

21 reviews Rate This
Highlights
  • 6,400+ Network Hospitals
    Check in your City
  • 865 policies issued
  • 11% Incurred Claim Ratio
  • Lifelong Renewability
  • Free Health Check-up
  • Dedicated Claim Settlement

Benefits of GoDigit General Insurance

GoDigit General Insurance Company is an online general insurance company, which runs Digit Insurance. It is one of the fastest-growing companies in India. With the funds of Rs. 200 Crore from Fairfax this year and Rs. 305 Crore from the same company last year, GoDigit has turned out to be one of the best-funded startups. Kamesh Goyal, the chairman of Digit Insurance, holds a 15% stake in the company while Fairfax entities own close to 45%. The remaining is held by a venture fund.

Founded in the year 2016, GoDigit General Insurance Company provides a wide range of insurance products online such as health insurance, bike insurance, travel insurance, car insurance, home insurance, commercial vehicle insurance, mobile insurance and bicycle insurance. The good thing is that all insurance policies are available online at reasonable rates without agent commissions.

Currently, Go Digit has 1,500 strategic partners, including agents, dealers, brokers that are spread across 70 cities and towns. This insurance company is also investing in a technology-driven platform like Artificial Intelligence (AI) to offer customised insurance products to customers at affordable prices.

  • Additional Benefit of Free Health Check up

    When you choose GoDigit insurance policy, you reap the benefits of a free medical check-up, provided that you renew the policy with the insurer without a break. The insurance company takes care of your health as well as your money, so it pays the expenses of health check-up up to the sum insured amount, specified in the policy wording.
  • Additional Protection over Employer Coverage

    At times, employer sponsored insurance is insufficient to cover expenses incurred in the treatment of certain diseases. But insurance policies of GoDigit prove to be satisfactory in the case of a medical emergency. So, it’s better to choose an additional cover and ensure financial stability in a crucial time. With GoDigit health insurance policy in hand, you can meet the need for money in case of a medical emergency.
  • Cashless Benefit

    At the time of medical emergency, GoDigit lets you have the facility of cashless claim while being treated at any network hospital. Even you can request for a reimbursement claim where cashless service is unavailable.
  • Claim Settement Ratio

    Also called CSR, Claims Settlement Ratio is the ratio of the claims settled by the insurance company against the total number of claims filed during a financial year. If CSR of an insurance company is 80%, it means the insurer has settled 80 claims out of 100.
  • Coverage against Medical Expenses

    Go Digit health insurance policies are framed to cover medical expenses, including pre and post hospitalisation, in-patient treatment, daycare treatment, maternity, newborn baby cover, emergency road and air ambulance cover, domiciliary treatment, alternative treatment, AYUSH treatment, organ donor transplant, medical practitioner fees for infertility/sub-fertility treatments and much more.
  • Incurred Claim Ratio

    Incurred claims ratio i.e. ICR is referred to as ‘Net Earned Premium.’ If ICR of an insurance company is 70%, it means the company has spent Rs. 70 for every Rs. 100 earned premium. So, Rs. 30 is the profit of the insurer. ICR of GoDigit for F.Y. 2018 - 1898 is 11%*. *However, the incurred claims ratio changes from time to time.
  • Tax Benefit

    The premium paid against health insurance policy qualify for tax deduction under Section 80D of the Income Tax Act.

GoDigit General Insurance User Reviews

  • Better than I expected

    GoDigit is better than I had expected. Earlier I was not ready to buy Digit Health Insurance policy because it is a new name in the industry. But, the...

    S
    On: Jan 08, 2020 | Views
  • Good company for me!

    I think whatever i say about GoDigit is my personal experience. It’s a good company for me because of its quick policy issuance service, online ...

    M
    On: Jan 06, 2020 | Views
  • Superior to other brands

    If i say something, i would say that GoDigit is superior to other insurance companies in India. I have bought its Digit Health Plus Policy and finds i...

    V
    On: Jan 02, 2020 | Views
  • Wonderful service!

    GoDigit provides takes care of its customers by providing wonderful service. I am using its product since 2018 and have found the service of this...

    M
    On: Dec 30, 2019 | Views
  • Deeply impressed!

    In so far as this company is concerned, i always keep it on the priority when someone asks me about a good company. I am deeply impressed with the pol...

    P
    On: Dec 23, 2019 | Views
  • Very Good Company

    GoDigit is really a very good company. Before i got in touch with this company, i was very much worried about a reliable insurer, affordable premium a...

    A
    On: Dec 21, 2019 | Views
  • Quite satisfied!!

    I am quite satisfied with the kind of service provided to me by GoDigit. The people who talked to me sounded very professional and knowledgeable. Th...

    D
    On: Oct 29, 2019 | Views
  • Second to none

    GoDigit offers customized health insurance plans for everyone. I have bought health insurance from this company as fully satisfied with their service ...

    S
    On: Oct 21, 2019 | Views
  • Easy claim settlement

    I appreciate the kind of service delivered to me by Go Digit. All the clauses of the policy and claim settlement claim formalities made clear to me be...

    S
    On: Oct 21, 2019 | Views
  • Quick & Quality Service

    Quick service and response from staff. Polite and patience in communication. Good knowledge and ability to guide customers. As a policy buyer, I got w...

    M
    On: Oct 11, 2019 | Views
  • Super Easy!

    Thanks to the customer care team of GoDigit and InsuranceDekho. Purchasing an insurance policy has been super easy. I spoke to one of the team members...

    N
    On: Oct 11, 2019 | Views
  • Superior service

    I have purchased health insurance and maid a claim. GoDigit provided me with superior service. I am impressed.

    L
    On: Sep 30, 2019 | Views
  • Excellent!

    Thanks to GoDigit and its team for good guidance and services regarding purchasing health insurance online. All my praise would fall short of your eff...

    A
    On: Sep 30, 2019 | Views
  • Appreciate

    I really appreciate the good work. Thank you for getting my mother's treatment done so hassle-free. 

    B
    On: Sep 09, 2019 | Views
  • Good after sale service

    Not only the policy purchase was easy and hassle-free, even the after sale service is excellent. I am proud to be associated with them.

    V
    On: Aug 21, 2019 | Views
  • Extensive coverage

    The reason for taking GoDigit health insurance policy is because it offers extensive coverage benefits and the policy is valid minimum for 1 year.&nbs...

    H
    On: Jul 24, 2019 | Views
  • Better customer service

    GoDigit facilities are very good. When I contacted them, they gave me complete information about the policy and suggested a policy with an afford...

    A
    On: Jul 24, 2019 | Views
  • Good for health

    I have bought a health insurance policy from GoDigit. It gives 100% of cover for six to seven members in my family. I also enjoy wide coverage and tax...

    S
    On: Jul 24, 2019 | Views
  • Good hospitals & low premiums

    I chose GoDigit because it gives the family coverage under one plan and the listed hospital is good. The premium is also nominal.

    M
    On: Jul 23, 2019 | Views
  • Customer friendly

    People at GoDigit are customer-friendly. They help me when I need to know about the changes or upgradation in the policy. 

    S
    On: Jul 23, 2019 | Views
  • Average service

    I have GoDigit health insurance currently. The company has a tie-up with many reputed hospitals. So, I get cashless treatment at all network hosp...

    S
    On: Jul 23, 2019 | Views

GoDigit General 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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