GoDigit General Insurance FAQs

GoDigit General Insurance

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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

Claim Settlement

  • Within how much time I need to inform the insurer about my hospitalisation?

    Emergency hospitalisation should be intimated within 24 hours, and for planned hospitalisation, you should intimate within 72 hours before admission.

  • What is the minimum duration of hospitalisation required to seek a claim?

    Policyholders should stay hospitalised for at least 24 hours in the hospital to get eligible for a claim. When it comes to daycare procedures, the hospitalisation period could be lesser than 24 hours.

  • How many claims can I make in a year?

    As a customer of GoDigit, you’re free to make as many claims as you want in a policy year provided that the total amount of different claims should not exceed the total sum insured amount of the plan. 

  • What are the documents I must have to get the claims settled?

    The necessary documents that you need to have to seek a claim for your medical expenses are as follows:

    • Duly filled claim form 
    • Certificate from the doctor
    • Medicine prescriptions and bills
    • Diagnosis reports like CBC, ECG etc.
    • Discharge details and reports
    • Final receipts from the hospital

  • Where to contact for claim related assistance about GoDigit plan?

    If you require any assistance related to claim, you can call GoDigit at 24x7 customer helpline number 1800-103-4448 or 1800-258-5956 or e-mail at hello@godigit.com. You can even call InsuranceDekho at toll-free number 1800-120-5698 for all claim-related assistance.

Critical Illness

  • How many critical illnesses are covered under  GoDigit Health Insurance?

    There are 20 critical illnesses of 5 different categories, which are covered under the GoDigit Health Insurance plans.

  • What is the minimum sum insured amount offered for the coverage of critical illness treatment?

    The sum insured amount provided for the coverage of critical illness treatment starts from Rs. 2 Lakh.

  • Does GoDigit provide coverage for critical illnesses?

    Yes, GoDigit provides coverage for critical illnesses under his Digit Health Plus Policy. For details, refer to the policy wording or dial our helpline number 1800-1205-698.

  • When can I get the claim for critical illnesses under the plan of GoDigit?

    If you get diagnosed with any of the listed critical illnesses in the plan or undergoing covered surgical procedures as specified in the policy,  you can get claim provided that:

    A) You are diagnosed with a critical illness or gone through the covered surgical procedure for the first time in your life 
    B) You are diagnosed from a critical Illness post initial waiting period, as mentioned in the policy from the date of inception of the first policy with the insurer 
    C) You survive for a minimum period of at least 30 days from the date of diagnosis of such critical illness unless this condition is specifically waived by us 
    D) The critical illness or the surgical procedure claim is not a consequence of or arising out of any pre-existing condition/disease 
    E) Once a claim has been paid under critical illness and/or surgical procedure then cover under this section shall cease, and no further payment will be made for any consequent disease or any dependent disease

Family Floater

  • Which family members can get covered under GoDigit?

    Under the policy of GoDigit, you can cover yourself, your spouse, dependent children and parents.

  • What is the age limit of family members who can get cover under the GoDigit plan?

    The family members between the age group of 1 year and 60 years are allowed to be covered under the policy of GoDigit.

  • Is organ donor coverage involve in the family floater plan of GoDigit?

    Yes, GoDigit provides the organ donor coverage under its plan. The coverage is applicable to all the insured family members.

Feature

  • Are the expenses incurred in AYUSH treatment covered under the health insurance policy of GoDigit?

    Yes, the expenses incurred in AYUSH treatment are covered under the health insurance policy of GoDigit?

  • 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.

General Information

  • Can GoDigit cancel my health insurance policy?

    Yes, the policy may be cancelled by GoDIgit on the grounds of misrepresentation, fraud or non-disclosure of material facts by sending you 15 days notice by recorded delivery at last known address/e-mail ID without refund of premium.

  • 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.

Help to Buy

  • 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. 

  • How many network hospitals are covered under GoDigit?

    There are more than 6000 network hospitals, which are covered under GoDigit.

  • 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.

Individual

  • Can I avail any tax benefit on buying an individual health plan by GoDigit?

    Yes, you can get tax benefits on the premium amount of individual health insurance policy by GoDigit General Health Insurance Plan under the Income Tax Act 1961.

  • Does GoDigit provide a long hospitalisation cash benefit to individual policyholders?

    Yes, if an individual is hospitalised for a minimum number of consecutive days mentioned in the policy, the insurer will be offering him or her with a lump sum amount as specified in the plan.

  • What is the sum insured amount that GoDigit offers to its individual plans?

    GoDigit offers the sum insured amount for individuals starting from Rs. 2 Lakh.

Kids

  • What is the entry age for kids to be covered under the GoDigit plan?

    The entry age for kids under the GoDigit insurance policy starts from 1 year.

  • Does GoDigit General Insurance Firm offer any specific plan for kids?

    No, GoDigit General Insurance Firm doesn’t provide any specific health insurance plan for children. But, kids can be covered under other plans of GoDigit with their parents. 
     

  • Are kids provided with the coverage for AYUSH procedures under GoDigit health plan?

    Yes, kids are given the coverage for AYUSH procedures and treatments under GoDigit health plan.

Maternity

  • Does GoDigit provide maternity coverage?

    Yes, GoDigit policies offer maternity benefits. The insurer pays the maternity expenses incurred towards the delivery of a baby and treatment related to any complication of pregnancy. 

  • Is there any waiting period I need to spend to avail the maternity benefits under GoDigit health plan?

    Yes, you need to go through a waiting period to avail the maternity benefits under the GoDigit health plan.

  • From what period the waiting period is applied for the maternity benefit?

    The waiting period for maternity benefit is applied from the date of inception of the first policy with us, provided that the policy has been renewed continuously with GoDigit without a break.

Parents

  • What is the maximum age of entry for parents under the plan of GoDigit?

    The parents up to the age of 60 years are eligible to be covered under the Digit Health Plus Policy of GoDigit.

  • Does GoDigit plan offer lifelong renewability option for parents?

    Yes, the plan shall ordinarily be renewable for a lifetime for your parents, except on the grounds of fraud, moral hazard or misrepresentation or non-cooperation on your end and provided that the policy is not withdrawn.

  • Will my parents get the coverage for dental treatment under GoDigit plan?

    Yes, GoDigit will be paying for the medical expenses incurred in respect of any necessary dental treatment from a dentist provided the dental treatment is required as a result of an accident that results in an admissible in-patient hospitalisation.

Plan Coverage

  • What are the coverage benefits under the GoDigit health insurance policy?

    The health insurance policies of GoDigit come with a lot of coverage benefits, such as pre and post hospitalisation, inpatient treatment, organ donor transplant, road and air ambulance, dental treatment, accommodation or room rent, ICU charges, daycare procedures, second medical opinion, and much more. 

  • Are the expenses incurred in AYUSH treatment covered under the health insurance policy of GoDigit?

    Yes, the expenses incurred in AYUSH treatment are covered under the health insurance policy of GoDigit?

  • Does GoDigit offer the coverage for outpatient benefit expenses?

    Yes, the GoDigit health plan provides the cover related to outpatient benefit. Under this coverage, expenses like doctor’s fees, medical bills, diagnostic tests, health check-ups, etc. are all covered without getting hospitalised.

Portability

  • Within what period I should apply to port my health insurance plan into a plan of GoDigit?

    To avail the portability option, you should apply within 45 days before, but not earlier than 60 days from the expiry of the insurance policy.

  • Is there any option of portability available under the plan of GoDigit?

    Yes, portability option is present under the GoDigit plan with the help of which you can switch from your health insurance policy of any insurer to an individual health insurance policy or a family floater policy offered by GoDigit General Insurance Company.

     

  • Do I lose my accrued benefits at the time of porting?

    No, you do not lose accrued benefits of the earlier policy at the time of porting your policy.

Premium

  • What is the minimum premium amount of GoDigit General Insurance Plan?

    The starting premium amount of GoDigit General Insurance Plan is Rs. 4,814* per year. *The premium amount changes from time-to-time. 

  • Which elements determine the premium value of GoDigit General Insurance Plan?

    Factors that determine the premium value of GoDigit General Insurance Plan are:

    a) Policy term
    b) Sum insured
    c) Gender 
    d) Medical history
    e) Number of members
    f) Age of insured

  • Is there any discount on premium offered by the GoDigit General Insurance to its policyholders?

    Yes, GoDigit General Insurance offers No-Claim Discount to its policyholders. Under this feature, if policyholders doesn’t make any claims under sections like accidental hospitalisation cover, accidental & illness hospitalisation cover, critical illness hospitalisation cover, cancer hospitalisation cover etc., in the expiring policy period, they would be eligible for a 5% No-Claim Discount in the premium against these sections at the time of renewal.

  • How can I make the payment of the premium for the plan of GoDigit General Insurance?

    There are many modes of payment that you can opt for paying the premium of GoDigit General Insurance plan, which includes cash, cheque, credit or debit cards or through digital payment gateways.

  • Can I get payment acknowledgement for paying the premium of GoDigit Insurance plan?

    Yes, you can get the payment acknowledgement from GoDigit General Insurance at your registered email id. This serves as a proof of the premium paid. 

Senior Citizen

  • What is the sum insured amount for senior citizens under GoDigit General Insurance Plan?

    Minimum sum insured that can be selected by the senior citizens starts from Rs. 2 Lakh.

  • Till what limit of premium senior citizens can gain the tax benefit? 

    Rs. 50,000 is the highest premium amount up to which senior citizens are waived off from tax.

  • What is the name of the insurance plan under GoDigit General Insurance that offers coverage to senior citizens?

    Digit Health Plus Policy is the name of the insurance plan under GoDigit General Insurance, which offers the coverage to senior citizens.

Tax Benefit

  • Till what limit of premium senior citizens can gain the tax benefit? 

    Rs. 50,000 is the highest premium amount up to which senior citizens are waived off from tax.

  • How should I pay the premium to achieve the tax benefit on the premium of GoDigit insurance plans?

    Policyholders are required to pay their premium through any payment method except cash to avail the tax benefit on the premium of GoDigit health insurance policy.

  • What is the premium amount limit on which the tax benefit can be availed by an individual under GoDigit Health Insurance Plans?

    The tax benefit can be availed up to the limit of Rs. 25,000, if a proposer with less than 60 years of age purchases a policy for himself. Whereas, if a proposer with less than 60 years of age buys a health insurance policy for a senior citizen then the tax benefit can be availed till the premium amount of Rs. 30,000.

Woman

  • Does GoDigit provide maternity coverage?

    Yes, GoDigit policies offer maternity benefits. The insurer pays the maternity expenses incurred towards the delivery of a baby and treatment related to any complication of pregnancy. 

  • What should be the age of women to get covered under the health policy of GoDigit General Insurance?

    Women members between the age group of 1 year and 60 years can get coverage under the GoDigit health insurance policy. 

  • Does GoDigit health insurance plan offer newborn baby cover to women policyholders?

    Yes, women members are provided with the feature of newborn baby benefit within the limit of the sum insured amount. 

GoDigit General Insurance Plan List

Name of PlanSum Insured
Digit Health Plus PolicyMin: 1 Year; Max: 60 Years2 Lakh Get Quotes Now

Claim Process at GoDigit General Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of GoDigit General Insurance at 1800-258-5956.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of GoDigit General Insurance 1800-258-5956.

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

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