Digit Health Insurance Critical Illness Policy

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      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.

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      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

      For more details you can speak to our customer care team at 1800-208-8787 or write to us at care@policybazaar.com

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      Digit Health Insurance Critical Illness Policy Plans
      Digit Group Health Insurance
      Digit Super Top up Health Insurance Plan

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      *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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