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.
*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
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.
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.
Choose Digit Health Insurance Coverage of Your Choice
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)
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.
Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
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Digit Health Insurance Reviews & Ratings
4.1 / 5 (Based on 21 Reviews)
(Showing Newest 10 reviews)
Rajesh
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.
Srihan
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.
Shravan
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.
Aaron
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.
Amit
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.
Ramesh
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.
Umesh
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.
Renuka
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.
Ritesh
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.
Juhi
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.