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Digit Health Care Plus Health Insurance

195 reviews Rate This
Digit Health Insurance
Health Care Plus Policy
Claim Settlement Ratio93%
Network Hospitals11,300+
PED Coverage Starting From2 year
Pre-existing Disease Coverage From2 year
PresenceAcross the country
Special BenefitsMultiple Discounts such as Credit Score for Good health

About Digit Health Care Plus Health Insurance

The Health Care Plus Policy offered by Go Digit General Insurance is a unique policy that offers you huge financial protection against healthcare expenses arising due to multiple health risks. The policy comes with 16 sections which have different coverage benefits for various health issues. The minimum entry age for hospitalisation cover under this policy is 18 years and there is no maximum entry age for the plan. The minimum age for critical illness cover is 18 years under the plan whereas the maximum entry age is 65 years. The policy comes with a wide range of sum insured options starting from as low as Rs. 10,000 and going up till Rs. 3 Crore that you can avail for a term of 1 year, 2 years, or 3 years, depending on your budget and requirements.

Some coverage benefits under the policy include hospitalisation expenses, organ donor expenses, road ambulance expenses, second medical opinion, daycare procedures, critical illness cover, hospital daily cash benefit, wellness program benefit, long hospitalisation cash benefit, etc. You can get your Health Care Policy customised by opting from several add-on covers by paying an extra premium. These are dental treatment, non-allopathic treatment, organ donor, and weight loss surgery. Apart from these, the policy offers you portability benefits, migration benefits, and tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses covered under this plan
  • Daycare expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Road ambulance expenses
  • Second medical opinion

What's Not Included

  • Hospitalisation for rest cure, rehabilitation, and respite care
  • Hospitalisation for the purpose of evaluation and investigation
  • Obesity/weight control treatments
  • Change of gender treatments
  • Cosmetic or plastic surgery

5925 Digit Cashless Network Hospitals in India

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Health Care Plus Policy User Reviews

4.5
Rating based on
195 User reviews
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What users are saying
  • All
  • Smart Health Investment

    Opting for InsuranceDeko's Digit- Health Care Plus Policy was a smart investment in my health. It ensures I can access quality healthcare without worrying about expenses.

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    K
    By Kashvi Gaur
    On: Sep 20, 2023
  • Hassle-free buying process

    I bought the Digit- Health Care Plus Policy at InsuranceDekho and found the policy very useful. For years, my family trusted the insurance company and hence I chose it for my insurance-related requirements. I was very happy to have bought this policy online as the buying process was very easy and smooth. 

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    R
    By Ravindra Mohan
    On: Aug 16, 2023
  • Simple policy

    Simple policy  - Pratibha SinghThe Digit-Health Care Plus Policy is a simple one that covers me and my family for major healthcare expenses. I bought it at InsuranceDekho and the process took just a few minutes. I am happy with the buying process and will visit the portal again.

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    P
    By Pratibha Singh
    On: Aug 08, 2023
  • Weekend Services

    It was a pleasing experience of buying protection from an online insurance company. I bought the Digit- Health care Plus Policy from the company’s website. The customer support executives were very helpful and were available to guide me through the process of buying on Sundays. I would recommend everyone to buy from the most legitimate insurance company. 

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    V
    By Vijay Shastri
    On: Jul 07, 2023
  • Best Family Plan -

    Thank you InsuranceDekho for suggesting to me the Digit- Health Care Plus Policy. Through this policy, I was able to provide the best healthcare facility to my wife during her surgery. I would recommend this health insurance policy to everyone as the insurance company settled my claim within a week. Overall, it was a pleasing experience! 

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    P
    By Priya Chaturvedi
    On: Jun 26, 2023
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Add-ons to Enhance Benefits

  • Dental Treatment

    With this add-on cover, you can get a waiver for treatment, procedures and preventive, restorative, diagnostic, and cosmetic services related to the disease, disorder, and conditions of natural teeth and Gingiva, if you have chosen for Section 8 of Out-patient benefit.

  • Non-Allopathic Treatment

    With this add-on cover, you will be covered for non-allopathic treatment mentioned under alternate treatment (AYUSH) cover.

  • Organ Donor

    If specifically opted for organ donor cover under Section 3, you will be covered for expenses incurred by you on organ donation.

  • Weight Loss Surgery

    If you opt for accidental and illness hospitalisation cover under Section 1.B, you will be covered for bariatric surgery.

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.

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FAQs on Health Care Plus Policy Health Insurance Plan

  • What is covered under Health Care Plus Policy offered by Digit General Insurance?

    Health Care Plus Policy offered by Digit General Insurance comes with 16 sections for different coverage features. These are as follows: 

    • Hospitalisation Cover
    • Infertility treatment cover
    • Organ donor cover
    • Alternate treatment (AYUSH) cover
    • Emergency air ambulance
    • Long hospitalisation cash benefit
    • Maternity benefit and newborn baby cover
    • Outpatient (OPD) benefit
    • Home (domiciliary) hospitalisation
    • Sum insured refill benefit
    • Daily hospital cash benefit
    • Critical illness benefit cover
    • Critical illness hospitalisation cover
    • Cancer hospitalisation cover
    • Wellness benefit program 

  • What are the policy terms available for Health Care Plus Policy offered by Go Digit General Insurance?

    Health Care Plus Policy can be purchased for 1 year, 2 years, or 3 years, as per your budget and requirements. 

  • What expenses are covered under hospitalisation cover under this policy?

    Under hospitalisation cover, you get covered for the following:

     

    • Daycare procedures
    • Pre-hospitalisation expenses and post-hospitalisation expenses
    • Dental treatment
    • Road ambulance expenses
    • Second medical opinion
    • Accidental and illness hospitalisation cover

    In accidental and illness hospitalisation cover, apart from the expenses listed above, you also get covered for the following: 

    • Bariatric surgery cover
    • Psychiatric illness cover
    • Complementary health check-up
    • Second medical opinion

     

  • What are the deductible options available under Health Care Plus Policy?

    Health Care Plus Policy comes with a maximum deductible option of Rs. 15 Lakh for the following sections: 

    • Hospitalisation cover
    • Infertility treatment cover
    • Organ donor cover
    • Alternate treatment (AYUSH) cover
    • Emergency air ambulance
    • Home (domiciliary) hospitalisation
    • Sum insured refill benefit

  • Can I avail tax benefits on the premium paid for Health Care Plus Policy?

    Yes. You can avail tax benefits on the premium paid for Health Care Plus Policy, under Section 80D of the Income Tax Act, 1961.

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