Digit BharatX Health Insurance Plan

Digit BharatX Health Insurance Plan

Digit BharatX Health Insurance is a new-age comprehensive policy that allows policyholders to customize coverage as per their health needs. It multiples the sum insured from day 1 once a year with the Sum Insured Multiplier benefit and provides unlimited restoration of the sum insured. It also allows multi-year policyholders to claim the annual sum insured of the entire tenure under the Policy tenure Multiplier benefit.

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This Digit health insurance policy covers 18 pre-existing illnesses from day 31 under the Fast Track benefit and refunds 1st year's base premium in case of 5 consecutive claim-free years with the Premium Refund benefit. It also comes with attractive benefits like the infinite cumulative bonus, worldwide coverage, personal accident cover, OPD cover, inflation boost, maternity benefit, consumables cover, infertility treatment cover, etc.

Digit BharatX Health Insurance Plan: Key Highlights

Benefits of Digit BharatX Health Insurance Plan

Here are the key benefits of buying a Digit BharatX Health Insurance plan:

1. Increased Sum Insured from Day 1

   Policyholders can multiply their policy sum insured from day 1 once every year with the Sum Insured Multiplier benefit. However, this benefit is available as an optional cover.

2. PED Coverage from Day 31

   With the Fast Track cover, policyholders can avail coverage for 10 pre-existing diseases from day 31 with the Fast Track cover. However, this benefit is available as an optional cover and should be opted for 3 continuous policy years.

3. Premium Refund

   Go Digit General Insurance can refund the base premium of the first policy year in case the policyholder has not filed any health insurance claims in the last five consecutive years with the Premium Refund benefit. However, this benefit is available as an optional cover.

4. Unlimited Restoration of the Sum Insured

   This health insurance policy restores the sum insured amount unlimited times in a policy year for the same and unrelated illness with the Sum Insured Back-up benefit.

5. Policy Tenure Multiplier

   Policyholders can combine the annual sum insured of the entire policy tenure once in a multi-year health insurance policy with the Policy Tenure Multiplier benefit. However, this benefit is available as an optional cover.

6. Infinite Cumulative Bonus

   Go Digit General Insurance will pay an additional cumulative bonus of 100% of the sum insured for up to an infinite amount at every claim-free renewal under the Infinite Cumulative Bonus benefit. However, this benefit is available as an optional cover.

7. Cumulative Bonus Protection Cover

   With this benefit, the accumulated No Claim Bonus (NCB), including Infinite Cumulative Bonus' stays intact even if the policyholder files a claim in the previous policy year. However, this benefit is available as an optional cover.

8. Enhanced Maternity Limit

   This Digit health insurance policy increases the maternity coverage limit by ₹10,000 on renewals for up to ₹1 lakh every time a maternity claim is not filed.

9. Worldwide Coverage

   Go Digit General Insurance provides global health insurance coverage for planned medical treatments obtained outside India.

10. NRI Benefit

    NRI policyholders can get a 30% premium discount or 4X coverage for named illnesses by opting for the NRI Benefit. However, this benefit is available as an optional cover.

11. Health Check-ups

    The insurance company pays for preventive health check-ups at the end of every two years. However, this benefit can be activated from day 1 of the policy with the Health Check-up Covert from Day One optional cover.

12. Carry Forward Sum Insured

    Go Digit General Insurance carry forward the unused base coverage amount on renewal for up to 100% of the sum insured.

13. Inflation Boost

    The Inflation Boost benefit increases the sum insured on a cumulative basis based on the previous year's inflation rate.

14. No Claim Bonus

    In case no claims are filed in the previous year, the insurance company will grant a no claim discount on renewal premiums or enhance your sum insured by a fixed percentage.

15. Tax Benefits

    Policyholders can earn tax benefits on the Digit BharatX Health Insurance premium under Section 80D of the Income Tax Act.

Digit BharatX Health Insurance Plan Eligibility Criteria

Take a look at the eligibility criteria for buying a Digit BharatX Health Insurance plan:

Inclusions of Digit BharatX Health Insurance Plan

Digit BharatX Health Insurance plan comes with the following inclusions:

• In-patient Hospitalization Expenses – It pays for the medical expenses incurred during hospitalization of 24 hours or more, including room rent, ICU charges, diagnostic tests, etc.
• Day Care Procedures – It covers the cost of day care treatments that require less than 24 hours of hospitalization.
• Pre-Hospitalization Expenses – It pays for medicare expenses incurred for up to 60 days before hospitalization.
• Post-Hospitalization Expenses – It covers the healthcare expenses incurred for up to 90 days after discharge from the hospital.
• Road Ambulance Cover – It pays for the cost of availing ambulance service to transport the insured to a hospital or from one hospital to another during an emergency.
• Bariatric Surgery Cover – It covers the hospitalization expenses incurred while undergoing bariatric surgery.
• Psychiatric Illness Cover – It pays for the medical expenses incurred on availing treatment for psychiatric illnesses, including mood disorders, schizophrenia, etc.
• Domiciliary Expenses – It covers the cost of availing medical treatments at home for at least 3 days in case shifting to a hospital is not possible.
• AYUSH Hospitalization – It pays for the in-patient treatment availed through Ayurveda, Siddha, Unani and Homeopathy at an AYUSH hospital.
• Organ Donor Expenses – It covers the healthcare costs of harvesting the donated organ for the transplantation surgery of the insured. It also covers the pre and post-hospitalization expenses of the donor.
• Daily Cash for Choosing Shared Accommodation – It pays a daily cash allowance of ₹1,000 for a maximum of 7 days in case the insured stays in a shared hospital room for more than 48 hours.
• Emergency Air Ambulance – It covers the medical expenses incurred on transporting the insured to the nearest hospital via an aeroplane or helicopter due to an emergency life-threatening health condition.
• Personal Accident Cover – It pays a lump sum amount of up to 100% of the sum insured in case the insured dies in an accident. It also pays compensation in case the insured goes missing after drowning or while travelling in a common carrier.
• Worldwide Coverage – It covers the cost of availing medical treatments outside India, including in-patient treatment, day care procedures and organ donor expenses, if the disease was diagnosed in India.

Optional Cover:

• Consumables Cover – It pays for the cost of consumables or non-medical expenses incurred during in-patient hospitalization.
• Sum Insured Multiplier – It multiplies the sum insured amount once every year from day 1 of the policy.
• Health Check-up from Day 1 – It covers the cost of obtaining preventive health check-ups from day 1 of the policy.
• Advance Care – It pays for the medical expenses incurred on obtaining modern treatments, such as balloon sinuplasty, bronchial thermoplasty, etc.
• Support Plus – It reimburses the food and lodging expenses of the adult accompanying the insured in case of an ICU admission.
• Advance Heart Ambulance – It covers the road transportation expenses incurred on transferring the insured to a hospital using an advance heart ambulance in case of an emergency cardiac arrest.
• Maternity Benefit Wallet – It pays for the maternity expenses incurred during pregnancy, including delivery expenses and medically necessary and lawful termination of pregnancy. It also covers the treatment cost of any pregnancy complications.
• Newborn Cover – It covers the hospitalization expenses incurred on the medical treatment of a newborn baby, including any medical complications, for up to 90 days of birth. It also pays for the vaccination cost of the newborn baby.
• Infertility Treatment Cover – It pays for the medical expenses incurred on availing infertility treatments, such as IVF, ZIFT, IUI, ICSI, etc.
• Pre-existing Disease/ Specific Disease/ Initial Waiting Period Modification – It modifies the waiting periods for pre-existing diseases to 2 years and specific diseases to 1 year. It also modifies the initial waiting from 30 days to 7 days.
• Cumulative Bonus Protection Cover – It protects the accumulated No Claim Bonus of the policyholder even if a claim is filed in the previous policy year.
• Infinite Cumulative Bonus – It pays an additional cumulative bonus of up to 100% of the sum insured at renewals for up to an infinite coverage amount.
• Daily Hospital Cash Cover – It pays a hospital cash allowance for each day of hospitalization and twice the amount of daily cash in case of an ICU hospitalization.
• Daily Cash for Accompanying an Insured Child – It provides a daily cash allowance to the adult accompanying the insured child of 14 years or less in case of a hospitalization of more than 2 days.
• Second Medical Opinion – It covers the cost of availing a second medical opinion from a doctor within the insurer's network for an accidental injury or illness requiring hospitalization.
• Outpatient Benefit Cover – It pays for the OPD expenses incurred on doctor consultations, dental treatments, surgical treatments, diagnostic tests, medicines, psychiatric illness and hearing aids.
• Loss of Income Cover – It pays a fixed compensation to the insured for the loss of income in case of hospitalization for a pre-ascertained number of days.
• Long Hospitalization Cash Benefit Cover – It provides a lump sum amount to the insured in case of hospitalization for more than a certain number of days.
• Network Hospital Discount – It provides a discount of up to 12.5% on premiums if the policyholder promises to get hospitalized only at a Preferred Provider Network (PPN) hospital of the insured. If hospitalized in a non-PPN hospital, the policyholder will have to bear a co-payment of up to 20%.
• Smart Save – It provides a premium discount of up to 15% on applying a capping on specific ailments, including cataract surgery, oral chemotherapy, angioplasty, etc.
• Fast Track – It reduces the waiting period for 10 pre-existing diseases, including asthma, obesity, hypertension, diabetes, etc., from 3 years to 30 days.
• Room Rent Modification Cover – It allows policyholders to modify their hospital room eligibility from single private AC room with coverage up to the sum insured limit to category of their choice.
• NRI Benefit – It provides 4X coverage for named illnesses or a 30% premium discount to NRI policyholders.
• Policy Tenure Multiplier – It allows policyholders to claim the combined annual sum insured of a multi-year health insurance policy once in the entire policy tenure.
• Premium Refund – It refunds the first policy year's base premium in case no claims have been filed in the last five consecutive years.
• Medical Equipment Cover – It covers the cost of renting or purchasing various medical equipment, including wheelchairs, nebulizers, walker, cervical collar, etc.

Exclusions of Digit BharatX Health Insurance Plan

The Digit BharatX Health Insurance plan excludes the following coverage:

• Dietary supplements and substances
• Injuries while participating in hazardous or adventure sports
• Treatment for drug or alcohol addiction
• Cosmetic or plastic surgeries
• External congenital anomaly
• Artificial life maintenance
• Unproven treatments
• Intentional self-injury or suicide

Digit BharatX Health Insurance Plan Waiting Periods

Check out the waiting periods applicable to the Digit BharatX Health Insurance plan:

Digit BharatX Health Insurance Plan: FAQs