Digit Health Insurance Claim Settlement Ratio

Health Claim Settlement Ratio is the ratio of the medical insurance claims settled by the health/general insurance company. CSR is calculated in comparison to the number of health claims received during a fiscal year. The health claim ratio of GO Digit General Insurance Company is 83.08% for FY 2018-19.

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Digit Health Insurance Claim Settlement Ratio

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    The insurer has a dedicated team for claim settlement and the claim ratio above 80% is considered good and is an indicator of timely completion of claim requests by the insurance provider. Read to know more about the GO Digit claim settlement procedure.

    Digit Health Insurance at a Glance:

    Key Features

    Highlights

    Network Hospitals

    6400+

    Incurred Claim Ratio

    60

    Renewability

    Lifelong

    Waiting Period

    2 years

    Claim Process of Digit Health Insurance

    A health insurance claim is the official request and process through which you can get your healthcare and medical costs are taken care of by your health insurance provider. For instance; if you get hospitalized due to an illness, and are insured under your health insurance plan, then you can file both cashless and reimbursement claims.

    Claim Process for Cashless Treatment

    Transparency is important in health insurance claims and Go Digit General Insurance Company follows it. Understanding the claim process gives you knowledge of what you can expect at the time of claim settlement.

    Check out the steps given below for cashless claims in more than 5900+ Digit Network Hospitals.

    Step 1: Before filing a claim you need to give intimation to the insurance company at least 24-hours before the planned hospitalization or within 24-hours of getting hospitalized for an emergency treatment

    Step 2: Furnish your e-health card at the hospital and get the pre-approval form at the Insurance helpdesk/Mediassist at the hospital

    Step 3: Now fill and sign the claim form and submit it at the helpdesk

    Step 4: If everything goes fine, you can go ahead with the medical treatment and use a cashless claim facility. Therefore, the treatment must be availed within 15 days of insurance approval

    Claim Process for Reimbursement Treatment

    For claim reimbursement you need to follow the process as given below:

    Step 1: You need to call the insurer within 2-days of your admission date. The insurer will give you soft copied to upload all the original documents like reports, bills, etc. and bank details of the desired bank account

    Step 2: You need to sign the documents before you upload them and do not forget to write ‘For Digit Insurance’ on the documents. Keep all the originals documents handy for future reference

    Step 3: You need to upload the documents within 30 days from the date of discharge or after receiving the link

    Step 4: We will keep you posted on any additional requirements

    Step 5: You will receive the payment within 30 days from the receipt of the last necessary claim document  

    Documents Required for Digit Health Insurance

    List of Documents

    Hospitalization Claim

    Critical Illness Claim

    Daily Hospital Cash Claim

    Claim form duly filled and signed

    Hospital discharge summary

    ×

    Medical Records (Optional documents may be asked on need basis: OT notes, case papers, PAC notes, etc.)

    ×

    Original hospital bill

    ×

    ×

    Original hospital bill with break-up

    ×

    ×

    Original pharmacy bills with prescriptions and investigations outside the Hospital

    ×

    ×

    Investigation papers and consultations

    ×

    Digital Images/CDs of the Investigation Procedures

    ×

    ×

    A cancelled Cheque, KYC (Photo ID Card) and Bank Details

    For maternity claims- Birth discharge Summary & Ante-natal Record,

    ×

    ×

    In case of accidents- MLC/FIR Report

    ×

    Post Mortem Report, Disability/Death Certificate, Original Invoice/Sticker (If applicable)

    ×

    ×

    Attending Doctor’s Certificate

    ×


    You can visit our website to check out the claim settlement ratio of health insurance companies. To know more about insurance claims, and the Digit health insurance network hospitals list you can speak to our customer care team.

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