Digit Health Insurance

The scenario of health is ever changing and with a sedentary lifestyle and rising medical inflation, it’s getting even worse. And this shouldn’t stop us from wishing for a healthy life. 

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Digit Health Insurance

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get up to 15% discount*
Get insured from the comfort of your home No medicals required
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    Digit Health Insurance Overview 

    Digit Health Plus Policy is designed to assist you financially in the time of need and safeguard you and your family from unexpected health issues, which may otherwise crumble your financial situation.  Digit Health Plus Policy will help in managing your health treatments without any stress and save you running from pillar to post at the eleventh hour. You can buy Digit Health Plus Policy to ensure health and happiness for your loved ones.

    Digit Health Insurance at a Glance:

    Key Features


    Network Hospitals


    Incurred Claim Ratio




    Waiting Period

    2 years

    Digit Health Insurance Plans
    Plan nameDigit Health Plus Policy
    For Family
    • Min. Age 1 year
    • Max. Age 60 Years
    • Min. Coverage Rs 2 lakh
    • Max. Coverage-
    • Check premium
    For individual
    • Min. Age3 months
    • Max. Age65 Years
    • Min. Coverage Rs 1 lakh
    • Max. Coverage Rs 5 lakh
    • Check premium
    Plan nameDigit Health Care Plus Policy
    For top up
    • Min. Age91 days
    • Max. Age No age limit
    • Min. CoverageRs 1 lakh
    • Max. CoverageRs 3 crore
    • Check premium
    Plan nameDigit Complete Care Policy
    For accidents
    • Min. Age1 year
    • Max. Age 60 years
    • Min. Coverage Rs 1 lakh
    • Max. Coverage -
    • Check premium

    Key Features of Digit Health Plus Policy

    Here’s what this medical insurance policy has to offer:

    • Complimentary Health Check-up Facility: Compensation provided is limited to a maximum of 5000 rupees or up to 0.25% of the SI.
    • Restoration of the Sum Insured: The sum insured amount is refilled upon exhaustion. In case of a family floater policy, the sum insured amount is restored. For example, if the sum insured amount is 3 lakh rupees, and there are 3 members, and the sum insured is exhausted on claiming then each member will get a refill of 3 lakhs as their sum insured. It is permissible only for unrelated diseases for every individual.
    • Cumulative Bonus: If you have not filed any claims for illness related hospitalization, accidental hospitalization and critical illness hospitalization then you will get cumulative Bonus while renewing your policy. The sum insured amount will increase without paying any extra premium.

    What is Covered Under Digit Health Plus Policy?

    This plan covers most of the hospitalization expenses including:

    • Room rent charges, doctor fees, cost of medicines and medical tests
    • Second medical opinion expenses
    • Pre-hospitalization and Post-hospitalization expenses
    • Day care procedures
    • Dental treatment required after an accident
    • Road ambulance expenses

    And there are Other Special Benefits as Well:

    • Bariatric Surgery, it is applicable to heart diseases and respiratory problems etc. resulting due to obesity
    • Psychiatric Illness Cover is provided in cases related to depression, anxiety, dementia, schizophrenia and bipolar disorder to name a few.
    • You can also opt for onetime lump sum payment of post-hospitalization expenses for an amount equal to 1.5% of the claim amount.
    • Accidental cover is also provided
    • Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
    • In-patient treatment expenses including Ayurveda, Homeopathy, Unani, or Siddha treatment.
    • Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
    • It takes care of the maternity expenses including the new-born baby cover (subjected to terms and conditions). It also covers pregnancy related complications and medically necessary termination.
    • It also covers second delivery, and the coverage is increased to 200% of the original coverage amount.
    • Other non-hospitalization expenses such as doctor’s consultation fees, dental treatment, health checkups, diagnostic tests, pharmacy bills etc. can also be covered.
    • Domiciliary hospitalization cover is provided
    • Critical illness hospitalization coverage including the cost of medication, ICU, diagnostics, physician fees etc.

    *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

    Here is a List of Critical Illnesses that are Covered:

    The insurer will cover the expenses incurred on the following critical illnesses:

    • Cancer of Specified Severity (malignant tumor). The term cancer includes lymphoma, leukemia and sarcoma ( subjected to terms and conditions)
    • Open Chest CABG
    • Apallic Syndrome
    • Myocardial Infarction (1st heart attack of specific severity)
    • Open heart surgery
    • Surgery to Aorta
    • Lung failure (end stage)
    • Liver failure ( end stage)
    • Kidney Failure ( regular dialysis)
    • Bone Marrow/Major Organ Transplant
    • Benign Brain Tumor
    • Major Head Trauma
    • Paralysis of Limbs ( permanent)
    • Coma of Specified Severity
    • Stroke(permanent symptoms)
    • Motor Neuron Disease (permanent symptoms)
    • Aplastic Anaemia
    • Multiple Sclerosis ( persisting symptoms)
    • Loss of independent existence

    What is not Covered Under Digit Health Plus Policy?

    If you have opted for outpatient benefits, then the insurer will not cover expenses incurred during the hospitalization:

    • The minimum tenure for hospitalization needs to be 24 hours
    • A non-medical expense such as equipment’s purchased for non-treatment purposes, food consumed by visitors etc.
    • It does not cover home care nursing
    • Overseas treatments are also not covered
    • Artificial Life Maintenance
    • Any accident/illness resulting due to the consumption/overdose of drugs or alcohol
    • Minimum hospitalization tenure should be 24 hours
    • Alternative treatment expenses incurred on hospitalization, outpatient medical expenses and daycare procedures
    • Any type of rejuvenation and preventive treatments
    • Maternity cover includes only two deliveries and is available after completion of a waiting period of 24 months. It does not cover prenatal and postnatal expenses are not covered unless it requires hospitalization. Expenses incurred on stem cell harvesting and storage is not covered.
    • Suicidal attempts and self-injuries re excluded
    • Hazardous activities
    • Professional Sports
    • Sexually transmitted diseases

    Things to Remember

    • The insured needs to be 18 years above to avail Bariatric Surgery cover. And the reason for treatment should not be hormonal imbalance, an eating disorder or a psychiatric disorder.
    • Psychiatric illness cover is covered if only it requires hospitalization

    Cashless Claim Procedure for Digit Health Plus Policy

    The insurer has a tie-up with MediAssist to help you with the cashless claim process:

    • Cashless hospitalization is available in more than 6400 network hospitals. The list is available online that you can check using your MediAssist account
    • You can easily get the pre-authorization form at the Insurance/TPA helpdesk
    • You need to submit the form at the helpdesk after filling it and signing it. They will then share this form with MediAssist
    • MediAssist will then assess your documents with the treatment required/recommended
    • Once the approval is given, you can carry on with the treatment
    • You can also inform the insurer at 1800-103-4448 to settle/initiate cashless claims

    Reimbursement Procedure for Digit Health Plus Policy

    Reimbursement is provided for treatments taken in a non-network hospital. By submitting all the relevant documents you can get compensation for the hospitalization expenses. You can also you’re your claim online but the following information is required from your end:

    Once you have notified the insurer over a call, you will get a link on your registered email id or phone number where you can submit all the original documents such as reports, bills, and etc. along with your bank details where the money will be transferred.

    All the documents need to be self-attested with your signature and date. Also, you would need to submit the original documents (in some cases). You will need to upload the documents within 30 days of getting discharged from the hospital.

    Once the documents are verified your claim will be processed and you will get compensation within 30 days.

    Documents Required

    Filing a claim can sometimes be a daunting process, but you can make it simple by providing all the details beforehand.  The documents required may vary from one claim to another.  To file a claim for Digit Health plus Policy you may need to submit the following documents, as per the case may be:

    • Duly filled and signed Digit health insurance claim form
    • Discharge summary
    • Digit health plus policy papers
    • Medical records (Indoor Case Papers, OT notes, PAC Notes etc.)
    • Original copy of the main hospital bill
    • Original copy of the pharmacy bills
    • Original copy of the break-up of the hospital bill
    • Medical prescriptions
    • Investigation reports /scans
    • Consultation papers
    • KYC (Photo ID card, If applicable)
    • FIR/ MLC report
    • Original sticker/ invoice
    • Post Mortem Report ( if applicable)
    • Disability certificate
    • Attending doctor’s certificate
    • Ante-natal record
    • Bank details with a cancelled cheque (If applicable)
    • Birth certificate ( if applicable)
    • Death certificate (If applicable)

    Digit Health Insurance - Latest News

    • Digit Insurance Launches Coronavirus Insurance Policy

      Amid the fresh cases of Coronavirus in India, Digit online insurance company has launched has launched a special coronavirus insurance policy that can also be sold through its partner programs.

      The minimum sum assured limit in Digit coronavirus insurance policy is Rs. 25,000 and a maximum of Rs. 2 lakhs. The policy pays out 100% of the sum insured amount in lump sum upon diagnosis and 50% is paid if the policyholder gets quarantined in a military or a government hospital.

      However, the Digit coronavirus insurance policy does not offer coverage to people with a travel history to virus affected countries in the past six weeks. Also those who have got testing done in centers other than the ones that are authorized in India.

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    Digit Health Insurance Reviews & Ratings

    4.1 / 5 (Based on 21 Reviews)
    (Showing Newest 10 reviews)
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    J.n.prasad, March 22, 2021
    Simple Payment for Renewal
    The Digit Health Insurance policy renewal process through policybazaar.com was very simple and easy. I said this as I did the same online via polcybazaar.com and did not feel any problem as the user-interface was very friendly and good. Happy with my experience and will recommend it to my friends and family also.
    N.paravur, March 22, 2021
    Can Consider
    Initially I was not very sure about the health plan of Digit Health Insurance but as per the recommendation of Customer Support of policybazaar.com I bought this plan and happy with it.
    East Godavari, March 22, 2021
    Nice Features of the Policy
    I saw Digit Health Plus Plan at poliybazaar.com and was impressed by it. Even though this policy has good features but at policybazaar.com they are mentioned so precisely that one can understand it very easily.
    Udagamandalam, March 19, 2021
    Nice Experience with Customer Support
    I had to file a reimbursement claim for my Digit Health Insurance policy that I bought through policybazaar.com so I called them. The customer support executive there helped me to understand the complete process and provided me the list of documents that I had to submit. With his help, my claim got settled without much problem.
    Padampur, March 19, 2021
    Understandable Health Plan
    I bought a health insurance policy of Digit Health Insurance through policybazaar.com and wanted to say that unlike other health plans it is very easy to understand. Thanks, policybazaar.com for showing me this option.
    Hadol, March 15, 2021
    Good Coverage at Affordable Price
    I was looking for a family floater plan for COVID-19 online and landed at policybazaar.com. There I got the option of the GO Digit Corona Kavach plan. This policy is an affordable one that provides wide coverage. I was able to find this plan because of policybazaar.com so would like to thank them.
    Ichoda, March 15, 2021
    Seamless Online Purchase
    I bought the Digit Health Plus plan online through policybazaar.com and want to say here that the online payment process was so seamless and simple that I did not even felt like that I was buying a health plan.
    Habra, March 15, 2021
    No Claim Bonus
    While renewing my Health Plus policy offered by Digit Health Insurance, I found that I was eligible to avail No Claim Bonus, which is a kind of discount as I did not make any claim in my previous policy year. Thanks, policybazaar.com for showing me the NCB option, it was a kind of discount for me.
    R.k.nagar, March 01, 2021
    Simple and Quick Policy Renewal
    I renewed my Digit Health Insurance policy through policybazaar.com and wanted to mention here that the process was very simple and fast. I got my renewed policy within sometime after making the payment. Thanks, team policybazaar.com.
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