Digit Health Insurance

Buying Health insurance is a very important financial decision which should not be avoided. It is advisable to invest early in health insurance so that your premium amount is low and you get huge benefits. It takes away the financial burden that arises due to medical emergencies. Digit health insurance offers plans that are digital friendly and come with unique features such as customizable, complimentary health check-ups, no restriction on room rent, etc. Also known as Go Digit health insurance, the company offers plans suited for all kinds of customers such as young individuals, families, seniors, fitness enthusiasts, value seekers, employees, etc.

01 Digit Complete Care Policy

It is a comprehensive coverage plan that provides coverage for medical expenses due to hospitalisation, injury, day care procedures etc. Benefits included in the plan are personal accident cover, coverage against accidental hospitalization, road ambulance charges, daily hospital cash cover, out-patient (opd) benefit, day care procedures coverage etc.

02 Digit Health Care Plus Policy

It is a comprehensive policy that provides extensive plan coverage. It is a suitable plan for people with diverse medical needs. It can provide coverage for cancer, brain tumour, repair of heart valves, open chest CABG, lung and kidney failure, stroke, etc. It also covers second medical opinion cost, psychiatric treatment cost, complimentary health check-ups and much more. The policy can be issued for 1,2 or 3 years. It offers sum insured options upto 3 crores.

03 Digit Total Protect Policy

It is a personal accident plan that covers accidental hospitalisation, loss of job, with 27 other benefits that can be opted as per requirement. It offers sum insured options upto 20 crores and the plan is available upto 3 years.

04 Digit Group Insurance Policy

Under group insurance, the company offers Digit group total protect policy which is an accident cover, Digit group hospital cash policy and Digit illness group policy which is an illness cover that provides coverage against hospitalisation due to diseases like Covid-19, dengue, malaria, chikungunya, swine flu etc. Group insurance by digit also covers maternity benefit with new born baby cover, critical illness and psychiatric cover.

To extend the benefit of these plans the company also offers TopUp and super TopUp plans in case you have exhausted your sum insured in the policy year. The company also provides standard health insurance policies in addition to the above policies. These are Digit Arogya Sanjeevani Policy, Digit Corona Kavach Policy and Corona Rakshak Policies, and saral Suraksha Bima Yojna.

1. Go to the company’s website or download the app.
2. Enter your policy details
3. Enter the patient/insured details such as name
4. Enter the insured’s status such as discharged or OPD patient along with details of diagnosis.
5. Enter Hospital details such as name, location, pincode etc.
6. Select the date of admission and discharge
7. Upload the required documents
8. Generate your claim number

Your claim is now registered with the company, once the claim is verified the company will contact you for claim settlement.

For Cashless Claims

• Claim Intimation is required within 24 hrs for emergency hospitalisation and 72 hrs prior to planned hospitalisation.
• Initiate claim request by submitting duly filled claim request form, ehealth card and pre-authorisation form to the TPA.
• Once the request is approved your claim will be settled

For Reimbursement

• Intimate claim within two days of hospital admission. A link will be provided by the company to upload the required documents.
• Upload all the required bills and documents duly signed within 30 days of the date of discharge. Keep the original also handy.
• Once the claim is approved you will receive the reimbursement amount within 30 days of receipt of all the documents.

• It has a simple online process that is paperless, easy, fast and hassle-free.
• It offers additional sum insured for accidental hospitalisation and critical illness at no additional costs.
• There are no age-based co-payments which means during claim settlement the customer need not pay anything from his pocket.
• It covers Covid treatment as part of health insurance and no separate policy is required.
• There are no room rent restrictions which allows a customer to choose any room as per their preference.
• It restores sum insured if it is exhausted during the policy year.
• It offers a cumulative bonus or No Claim Bonus for every claim free year. A customer gets 20% extra sum insured for the first claim free year.
• It has a network of 6400+ hospitals to avail cashless treatment
• Digit health insurance claim settlement ratio 2022 is 48.94%