Digit Health Insurance

(21 Reviews)
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      Overview of Digit Health Insurance

      Digit health insurance is offered by Go Digit General Insurance Limited, which is a startup company launched in 2016 after being backed by Canada-based Fairfax Financial Holdings Limited. These health plans provide coverage against a wide range of medical expenses to individuals as well as families.

      Go Digit General Insurance follows a simple claim process that makes it easier for policyholders to raise a claim. Moreover, the company has earned an incurred claim ratio of 48.94% in the health insurance segment for the financial year 2021-22.


      Choose Digit Health Insurance Coverage of Your Choice

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      Digit Health Insurance Plans

      Digit health insurance plans provide financial support to the policyholder to pay off emergency and planned medical expenses. Take a look at the list of health insurance plans offered by Go Digit General Insurance below:

      Plan name
      Digit Health Plus Policy
      For Family
      Min. Age
      1 Year
      Max. Age
      60 Years
      Min. Coverage
      ₹ 2 Lakh
      Max. Coverage
      For individual
      Min. Age
      3 months
      Max. Age
      65 Years
      Min. Coverage
      ₹ 1 Lakh
      Max. Coverage
      ₹ 5 lakh
      Plan name
      Digit Health Care Plus Policy
      For top up
      Min. Age
      91 days
      Max. Age
      No Age Limit
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 3 crore
      Plan name
      Digit Complete Care Policy
      For accidents
      Min. Age
      1 year
      Max. Age
      60 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans
      Digit Health Insurance Plans in Detail:
      Digit Health Insurance Plan

      The Digit health insurance plan provides comprehensive medical coverage to the insured against a wide range of medical expenses. The sum insured of this plan ranges from Rs 2 lakh to Rs 3 crore.

      Features & Benefits:

      • Coverage for inpatient hospitalization and domiciliary expenses are available
      • Bariatric surgery, day care procedures and psychiatric illness are covered
      • Personal accident cover and worldwide coverage are available
      • Maternity expenses, newborn baby costs and emergency air ambulance charges are covered
      • Health check-up benefit, cumulative bonus and sum insured back-up benefit are available
      • Waiting period modification, network hospital discount, consumables cover and AYUSH hospitalization are available as optional covers
      Read more
      Digit Health Plus Plan

      The Digit Health Plus plan covers the hospitalization expenses of the insured arising out of an accidental injury or illness. It comes with multiple sections allowing the policyholder to choose the coverage that they want.

      Features & Benefits:

      • Day care procedures, pre-post hospitalization expenses and ambulance charges are covered
      • Dental treatment cover, OPD benefit and second medical opinion cover are available
      • Psychiatric illness, bariatric surgery and AYUSH treatment are covered
      • Maternity benefit, newborn baby cover and infertility treatment cover are available
      • Critical illness cover and cancer treatment benefit are also available
      • Complimentary health check-up facility is available after every claim-free year
      • 100% sum insured refill benefit and cumulative bonus are also available
      Read more
      Digit Complete Care Plan

      Digit Complete Care is an extensive health insurance plan that covers the medical expenses arising out of an accident injury.

      Features & Benefits:

      • Personal accident cover, including accidental death and disability, is available
      • Cost of hospitalization, day care procedures and ambulance services due to an accident is covered
      • OPD benefit and daily hospital cash cover is available
      • Double the daily hospital cash cover is paid for ICU admission
      • Coverage for ancillary expenses, including hospitalization expenses, are covered
      Read more
      Digit Health Care Plus Plan

      The Digit Health Care Plus plan provides medical coverage to the insured along with an in-built deductible option.

      Features & Benefits:

      • Coverage for hospitalization expenses, home hospitalization and OPD benefit are available
      • Road ambulance and air ambulance services availed during an emergency are covered
      • Maternity benefit, infertility treatment cover and newborn baby cover are available
      • Cost of critical illness treatment and cancer treatment are covered
      • Daily hospital cash cover and long hospitalization cash benefit are available
      • Complimentary health check-ups and sum insured refill benefits are available
      • Cumulative bonus is granted for every claim-free year
      • Network hospital co-payment is available as an optional cover
      Read more
      Digit Total Protect Plan

      The Digit Total Protect plan is a personal accident insurance policy that comes with a wide range of coverage benefits for the insured to choose from. The plan offers a maximum sum insured of Rs 20 crore.

      Features & Benefits:

      • Accidental death, permanent total/partial disability and accidental hospitalization are covered
      • Loss of income, children’s education, child’s marriage expense and orphan benefit are available
      • Cost of transportation, funeral and trauma counselling are covered
      • Fracture, burns & coma benefit and adventure sports cover are available
      • Critical illness cover, HIV cover and miscarriage due to accidental injury are covered
      • Worldwide cover, EMI protection cover and lifestyle modification benefit are available
      • Cumulative bonus is granted for every claim-free year
      Read more
      View more plans

      Why Should You Buy Digit Health Insurance Plans?

      Check out some of the key benefits of buying a Digit health insurance plan:

      • No Room Rent Restrictions – Unlike most health plans in India, Digit health insurance plans do not apply any restrictions on hospital room rent limits allowing people to choose a room of their choice.
      • Simple Claim Process – Go Digit General Insurance comes with a simple claim process that makes claim filing an easy task for everyone.
      • Wellness Benefits – Policyholders are eligible to avail multiple wellness benefits, including doctor on call, lab services, home medicine delivery, home care services, etc.
      • Tax Benefits – The premium paid to buy this policy can also be claimed for tax deductions under Income Tax Act, Sec 80D.

      How to File a Claim with a Digit Health Insurance Plan?

      Here are the steps to raise a cashless claim request with Digit health insurance:


      Inform the Insurance Company

      Notify Go Digit General Insurance about your planned hospitalization at a network hospital at least 2-3 days in advance, In case of emergency hospitalization, inform the insurer within 24 hours of getting admitted.


      Show Your E-health Card

      Go to the insurance desk at the hospital and show your e-health card to verify your identity.


      Fill Up and Submit Your Pre-Approval Form

      Get the pre-approval form from the hospital’s insurance desk for cashless treatment and fill it up carefully. Submit the duly filled and signed form at the desk.


      Cashless Claim Approval

      The hospital will send the form to the insurance company which, in turn, will review the cashless treatment request. If satisfied, the insurer will grant approval for cashless treatment.


      Claim Payment

      As soon as you get discharged from the hospital, the insurer will receive all the hospital bills and pay them directly to the network hospital.

      In case of reimbursement claims, you will have to pay all the bills while getting discharged from the hospital and collect all the documents. Upload these documents on the website of the insurance company within 30 days of getting discharged from the hospital. The insurer will review all the documents and pay you the claim amount within 30 days.

      Documents Required for Digit Health Insurance Claim

      Check out the list of documents required to file a Digit health insurance reimbursement claim:

      • Digit health insurance claim form
      • Hospital discharge summary
      • Medical records
      • Doctor consultation papers and investigation reports
      • Original hospital main bill with the break-up
      • Original pharmacy bills with prescriptions
      • Photo ID card and bank details with a cancelled cheque for KYC 
      • Digital images/CDs of the investigative procedures (if applicable)
      • Attending physician certificate (if applicable)
      • Death or disability certificate (in case of accidental death or disability)

      Digit Health Insurance Network Hospitals

      Digit health insurance policyholders can avail cashless hospitalization facilities at any of the network hospitals of the insurance company spread across India. Take a look at the city-wise list of the various network hospitals of Go Digit General Insurance below:

      How to Buy Digit Health Insurance Plans?

      The process to buy a Digit health insurance plan online is given below:

      Step 1: Log on to the official website of Policybazaar Insurance Brokers Private Limited

      Step 2: Click on the ‘health insurance’ icon on the homepage

      Step 3: Choose the people to be insured and enter their details, such as age, phone number, gender, etc.

      Step 4: Provide details of any pre-existing diseases that you have

      Step 5: Pick the Digit health insurance plan that you wish to buy and pay its premium amount

      Step 6: Go Digit General Insurance will issue the policy after receiving the payment.

      How to Renew Digit Health Insurance Plans?

      Here is a step-by-step guide to renew a Digit health insurance plan: 

      Step 1: Visit Policybazaar.com and head to the ‘Renew Your Policy’ tab on the menu bar at the top

      Step 2: Select ‘Health Renewal’ from the dropdown menu

      Step 3: Enter your mobile number followed by the OTP to log into the website

      Step 4: New users can click on the ‘Health Insurance’ icon on the homepage and provide the requested details

      Step 5: Choose the Digit health insurance plan to be renewed and pay its premium online

      Step 6: The insurance company will renew your Digit health policy within a few minutes.

      How to Calculate Digit Health Insurance Premium?

      The premium of a Digit health insurance policy can be estimated with the help of a health insurance premium calculator by entering details like the policy tenure, preferred sum insured, etc. Check out the Digit health insurance premium calculator below to estimate the premium of a health plan online.

      Contact Details of Digit Health Insurance

      Take a look at the contact details of Go Digit General Insurance:

      Categories Contact Details
      Toll-free No 1800-258-5956
      WhatsApp No 70260 61234
      Email Id hello@godigit.com

      Digit Health Insurance FAQs

      • Q1. What is the Digit health insurance waiting period?

        Ans: Take a look at the various Digit health insurance waiting periods:

        • Initial waiting period – 30 days
        • Specific diseases waiting period – 2 years
        • Pre-existing diseases waiting period – 3 years
      • Q2. How can I get Go Digit health insurance hospital list?

        Ans: You can get the list of network hospitals for Go Digit General insurance with your policy document issued by your insurer. Alternatively, you can also go to Policybazaar.com and check the list of Digit health insurance network hospitals for different cities in India.

      • Q3. Is Digit health insurance trustworthy?

        Ans: Yes. Digit health insurance plans are absolutely trustworthy as they are offered by IRDAI-registered Go Digit Health Insurance Limited. The company follows a simple yet quick claim disbursal process making it customer-friendly.

      View more FAQ’s
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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.

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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