*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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.
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 |
The Digit Hospital Cash policy comes with the following features and benefits:
The Go Digit General Insurance Limited provides the following coverage under the Digit Hospital Cash policy:
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.
The Digit Hospital Cash policy does not cover the following medical expenses:
The above list of exclusions is not exhaustive. Check the entire list of exclusions by referring to the Digit Hospital Cash policy brochure.
No. The Digit Hospital Cash policy does not apply to day care procedures.
The following waiting periods apply to Digit Hospital Cash policy. Take a look:
You can choose the waiting period as per your choice in case of specific illness and pre- existing diseases.
The Digit Hospital Cash policy may come with an upper limit to the number of hospital days in a policy year for which a daily allowance will be paid. It may range from 30 days to 60 days to 90 days. It is best to check with Go Digit General Insurance Limited before buying the policy.
Yes. You can avail cashless hospitalization facility at over 5900 network hospitals of Go Digit General Insurance Limited spread across India.
You need to submit the following documents at the time of raising a claim under the Digit Hospital Cash policy:
Yes. The Digit Hospital Cash policy comes with a free-look period of 15 days. During this free-look period, you can cancel your policy without attracting any cancellation fee. Once the free-look period is over, you will need to pay a cancellation fee for cancelling your policy.