Digit Hospital Cash Insurance Policy

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      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 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.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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