Digit Health Insurance Critical Illness Policy

Digit critical illness policy offers coverage for medical expenses incurred on diagnosis of a critical illness to you or your loved ones. It is usually an add-on benefit but with Digit health insurance, critical illness cover is also provided in their health insurance plans. Moreover, the insurer also provides an additional 25% of the sum insured in case it is exhausted during the policy term, due to expensive hospitalization and treatment expenses of a Critical Illness.

For example if we take bread cancer treatment into consideration the drug Herceptin itself costs up to Rs 1 lakh and a patient requires at least 17 vials. So, do the math!

Even the cost of breast surgery comes out to be in six-figures. And the expenses increase further with pre-hospitalization and post-hospitalization costs. To be able to pay for the right treatment, Digital critical illness plan will offer enough coverage to deal with such medical crisis without any financial worries. Check out the policy features and the list of diseases covered in this policy.

What’ more from Digit Critical Illness Policy?

Digit health insurance plans ensure transparency, and therefore we want you to know everything about Digit Critical Illness policy from the beginning. Here are some of the benefits offered under the Digit critical illness plan:

Critical illness cover is provided for any critical illness or a surgery happening for the first time in your life
The policy sum insured depends on the Digit health insurance plan that you have opted for
Digit critical illness policy has a waiting period of 30 days from the policy start date including critical illness cover to be activated
There is one condition in Digital critical illness policy i.e. the critical illness should not be arising out of a pre-existing medical condition
Any life-threatening condition that is a result of intake of tobacco, smoking, alcohol, and drugs will be excluded
Treatment for HIV/AIDS is also not covered under this policy
Any medical issues due to terrorism, war, and any military operations are also not covered
All the health insurance plans like Digit health plus policy, Digit complete care policy, Digit health care plus policy, etc. offer critical illness cover

Digit Health Insurance at a Glance:

Key Features	Highlights
Network Hospitals	6400+
Incurred Claim Ratio	60
Renewability	Lifelong
Waiting Period	2 years

What are the Diseases are covered under Digit Critical Illnesses Policy?

A Critical illness health insurance policy covers bot pre and post hospitalization expenses including the cost of diagnosis. At Digit, the following are the list of illnesses and diseases that are covered for under the Critical Illness benefit:

Category	Critical Illness List
Malignancy	Cancer of Specified Severity
Cardiovascular System	Open Heart Replacement or Repair of Heart Valves, Open Chest CABGm Myocardial Infarction, Surgery to Aorta, & Primary (Idiopathic) Pulmonary Hypertension
Major Organ Transplant	End Stage Liver Failure, End Stage Lung Failure, Bone Marrow/Organ Transplant, Kidney Failure Requiring Regular Dialysis
Nervous System	Apallic Syndrome, Coma of Specified Severity, Benign Brain Tumor, Major Head Trauma, Stroke Resulting in Permanent Symptoms, Permanent Paralysis of Limbs, Multiple Sclerosis with Persisting Symptoms, Motor Neuron Disease with Permanent Symptoms
Others	Aplastic Anemia, Loss of Independent Existence