Digit Health Insurance

Digit Health Insurance Overview

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. 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.

Key Features of Digit Health Plus Policy

Here’s what the 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.

Here is a List of Critical Illnesses that are Covered:

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

1. Cancer of Specified Severity (malignant tumor). The term cancer includes lymphoma, leukemia and sarcoma ( subjected to terms and conditions)
2. Open Chest CABG
3. Apallic Syndrome
4. Myocardial Infarction (1^st heart attack of specific severity)
5. Open heart surgery
6. Surgery to Aorta
7. Lung failure (end stage)
8. Liver failure ( end stage)
9. Kidney Failure ( regular dialysis)
10. Bone Marrow/Major Organ Transplant
11. Benign Brain Tumor
12. Major Head Trauma
13. Paralysis of Limbs ( permanent)
14. Coma of Specified Severity
15. Stroke(permanent symptoms)
16. Motor Neuron Disease (permanent symptoms)
17. Aplastic Anaemia
18. Multiple Sclerosis ( persisting symptoms)
19. 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:

1. Cashless hospitalization is available in more than 6400 network hospitals. The list is available online that you can check using your MediAssist account
2. You can easily get the pre-authorization form at the Insurance/TPA helpdesk
3. You need to submit the form at the helpdesk after filling it and signing it. They will then share this form with MediAssist
4. MediAssist will then assess your documents with the treatment required/recommended
5. Once the approval is given, you can carry on with the treatment
6. 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)