Everything You Need To Know About Digit Health Insurance Claims

With the growing need for a health insurance policy, there are various insurance providers that offer a wide range of health insurance products to its customers, at an affordable price. Individuals compare and research about the various plans that are available and look for the features and benefits in the policy that can suit their requirements. With the advancement in technology, the process of purchasing, renewing, and claiming a policy has become much easier and quick for the policyholders. 

Digit Health Insurance is a widely bought reliable product of Go Digit General Insurance which is backed by Fairfax Financial Holdings Limited that is operating in around 30 countries over the world. The company has been recognized by several awards for its exemplary work in the field. The health insurance policies by Digit Health Insurance protect the individuals and their families against high medical expenses that might incur in case of an emergency. It makes sure that your savings are not spent entirely on the medical bills at the time of hospitalization. 

About Digit Health Insurance 

Digit Health Insurance provides simple, transparent, customized, and affordable health insurance covers to its policyholders. These health insurance covers offer a peace of mind to the customers after being relieved from the financial burden of medical expenses in times of rising inflation in the health sector. Some of the essential features of Digit Health Insurance are given as: 

• The company has a network of 5,900+ linked hospitals that provide cashless treatments to its customers. 
• The company had a claim settlement ratio of 63.56% in FY 2019-20. 
• It offers lifelong renewability of policy to the customers which maintains the contact between the insurer and the customer. 
• COVID-19 covers have also been rolled out for the people at the time of global pandemic. 

Digit Health Insurance Claim Settlement Process 

Digit Health Insurance is a growing insurance firm which offers a smooth and quick claim settlement process to its policyholders. The company has a network of 1,500 strategic partners which include brokers, dealers, etc. to facilitate the reach of the facilities provided by the company. It offers two different types of claim options like any other insurance company, namely cashless claim process and reimbursement claim settlement process. Let us look at the steps involved to make a smooth and hassle-free claim with Digit Health Insurance company: 

1. Cashless Claim Process 

To make a cashless claim of the policy purchased from Digit Health Insurance, you must follow the steps given below: 

• Get admitted in a network hospital of Go Digit Health Insurance company and inform the insurer about the same as early as possible. 
• Produce your health ID card at the hospital desk and fill a pre-authorization form to initiate the claim settlement process. 
• Submit the duly filled form along with the other necessary documents to the third part or the insurance company. 
• Once your request has been processed and the claim has been accepted, the insurer will clear your medical dues with the hospital directly. You do not have to pay a single penny for medical bills from your pocket under this claim process. 

2. Reimbursement Claim Process 

This type of claim can be made from any hospital of your choice, but initially the policyholders have to pay the medical dues from their pocket, while later the amount is transferred into your bank account. This process takes more time when compared to cashless claims. Let us look at the steps involves to make a reimbursement claim: 

• Get admitted in any hospital of your choice and inform your insurer possibly within 48 hours of hospitalization. 
• Receive the medical treatment at the hospital and clear all the bills before getting discharged. 
• Before discharging, collect all the necessary documents like discharge papers, receipts, invoices, prescriptions, etc. and submit them with the claim request form to the insurance company. 
• After your claim request is processed and documents are verified, the sum assured under the policy will be transferred to your bank account. 

Conclusion 

There is a specific list of documents that must be produced at the time of making a claim for your purchased health insurance policy. You must carefully read the policy papers to get the list of documents and other necessary details about your health insurance policy. 

Also Read: Best Digit Health Insurance Plans to Buy in 2021

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.