Digit Hospital Cash Insurance Policy

Digit Hospital Cash policy is a health insurance cover that offers additional coverage for inadmissible expenses, such as  surgical accessories, food, etc. incurred during hospitalization. It provides coverage for those additional medical expenses that are generally not covered under a regular health insurance plan.

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Digit Hospital Cash Insurance Policy

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    Digit Hospital Cash Insurance Policy Overview

    Digit Hospital Cash policy offers a lump sum hospital cash benefit to the insured every day in case of hospitalization for at least 24 hours. The policyholder can buy Digit Hospital cash policy as an individual policy along with his/her regular health insurance plan.

    The Digit Hospital Cash policy offers a minimum daily hospital cash benefit of Rs 100 per day to a maximum of Rs 5,000 per day. The hospital cash benefit is fixed at the time of buying the policy and cannot be changed during the policy term. The policyholder can enhance the sum insured/ hospital cash amount at the time of policy renewal.

    However, the policy also comes with a fixed deductible of a maximum of two days.

    Digit Hospital Cash Policy Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    91 days (children)

    Maximum Entry Age

    No Limit

    Coverage

    Individual

    Hospital Cash Amount

    Rs 100 to Rs 5,000 per day

    Number of Hospital Cash Days

    30 to 45 days

    Policy Term

    1 year/ 2 years/ 3 years

    Pre-existing diseases waiting period

    1 year/ 2 years/ 3 years/ 4 years

    Deductible

    2 days

    Discounts

    Long-term policy discount

    Key Features of Digit Hospital Cash Policy

    The Digit Hospital Cash policy comes with the following features and benefits:

    • It offers a lump sum hospital cash benefit daily to the insured.
    • It comes with no upper entry age limit and covers people of all ages.
    • It provides sum insured on an individual cover basis.
    • It comes with a fixed deductible of 2 days.

    Inclusions of Digit Hospital Cash Policy

    The Go Digit General Insurance Limited provides the following coverage under the Digit Hospital Cash policy:

    • Accidental Hospitalization Cover- Offers a daily allowance if hospitalized due to accidental injury
    • Accidental & Illness Hospitalization Cover- Offers a daily hospital cash benefit if hospitalized due to an illness or an accidental injury

    In case the insured is admitted to the Intensive Care Unit (ICU) of a hospital, he/she will get a daily hospital cash benefit of twice the fixed hospital cash amount from the insurance company.

    Exclusions of Digit Hospital Cash Policy

    The Digit Hospital Cash policy does not cover the following medical expenses:

    • Obesity & Weight control procedures
    • Use or misuse of intoxicating substances, such as drugs, alcohol, etc.
    • Plastic or cosmetic surgery
    • Stem cell transplant
    • Injuries/illness resulting from participation in adventure/ hazardous sports
    • Sexually transmitted diseases/ infections
    • Maternity expenses
    • Suicide & self-injury
    • Artificial life maintenance

    The above list of exclusions is not exhaustive. Check the entire list of exclusions by referring to the Digit Hospital Cash policy brochure.

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