Digit Health Insurance for Family

Digit Health Insurance for family provides customized medical coverage to the entire family. This family health insurance plan by Go Digit General Insurance Limited covers the medical expenses of all the insured family members under a single sum insured amount available on a floater basis.

Key Benefits of Digit Health Insurance for Family

Check out the key benefits of buying a Digit Health Insurance plan for a family:

Coverage for coronavirus treatment available
Complimentary health check-up facilities available annually
20% cumulative bonus up to 100% available for every claim-free year
Cashless claim facilities at over 6400 network hospitals
Refill of the sum insured up to 100% in case of exhaustion
10-20% co-payment if treatment availed in a higher zone
Direct business discount up to 15% available
7% & 10% long-term discount if opted for a 2-year or 3-year policy tenure respectively

Digit Health Insurance Plans for Family

Take a look at the Digit Health Insurance plan available for families in the following table:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Digit Health Care Plus Plan	Up to 3 crore	4 years	View Plan

Eligibility Criteria for Digit Health Insurance for Family

The following eligibility criteria need to be fulfilled to buy Digit Health Insurance for family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days
Maximum Entry Age	No age limit	No age limit
No of Family Members Covered	Self, spouse, children, grandchildren
Renewability	Lifetime

Choose Health Insurance Company for Family

Aditya Birla Health Insurance Plans for Family

Bajaj Allianz Health Insurance Plans for Family

Bharti AXA Health Insurance for Family

Care Health Insurance for Family

Cholamandalam Health Insurance for Family

Future Generali Health Insurance for Family

HDFC ERGO Health Insurance for Family

IFFCO Tokio Health Insurance for Family

Family Health Insurance PlansExpand

Inclusions of Digit Health Insurance for Family

Given below are the coverage included under the Digit Health Insurance plan for a family:

Accidental Hospitalization Cover
Illness Hospitalization Cover
Day Care Procedures
Pre-hospitalization Expenses
Post-hospitalization Expenses
Dental Treatment
Road Ambulance
Second Medical Opinion
Bariatric Surgery Cover
Psychiatric Illness Cover
Critical Illness Hospitalization Cover
Cancer Hospitalization Cover

Optional Cover:

Infertility Treatment Cover
Organ Donor Expenses
Alternate Treatment Cover
Maternity Benefit & Newborn Baby Cover
Long Hospitalization Cash Benefit
Emergency Air Ambulance
OPD Benefit
Home Hospitalization
Wellness Benefit Program
Global Coverage

The extent of coverage may vary from one Digit Health Insurance plan for families to another.

Exclusions of Digit Health Insurance for Family

Digit Health Insurance for family comes with the following exclusions:

Pre-natal and post-natal Expenses
Cosmetic or plastic surgery
Treatment of drug abuse or alcoholism
Artificial life maintenance
Unproven treatments
Suicide or self-injury treatment
Sexually transmitted diseases

The complete list of exclusions can be found by referring to the Digit Health Insurance policy wordings.

FAQs

Q1. Can I opt for emergency air ambulance cover under Digit Health Insurance for family?

Ans: Yes. You can opt for the emergency air ambulance cover under the Digit Health Care Plus plan, provided your sum insured is above Rs 3 lakh.
Q2. What are the waiting periods under the Digit Health Insurance for family?
Ans: Following are the waiting periods applicable to Digit Health Insurance plans for families:
- Pre-existing Diseases Waiting Period – 4 years
- Specific Diseases/ Procedures Waiting Period – 2 years
- Initial Waiting Period – 30 days
- Infertility Treatment Cover Waiting Period – 4 years
- Maternity Benefit & Newborn Baby Cover Waiting Period – 4 years
Q3. Are there any sub-limits under Digit Health Insurance for family?

Ans: Yes, sub-limits apply to the Digit Health Care Plus plan. If you opt for sub-limits for bariatric surgery and psychiatric illness cover, you can save on your premium up to 20% and 10% respectively.