Digit Hospital Cash Insurance Policy: Benefits, Premium & Coverage

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.

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

Q. Are day care procedures covered under Digit Hospital Cash policy?

No. The Digit Hospital Cash policy does not apply to day care procedures.
Q. What are the various waiting periods applicable to Digit Hospital Cash policy?
The following waiting periods apply to Digit Hospital Cash policy. Take a look:
- Initial waiting period - 30 days
- Specific illness waiting period - 1 year/ 2 years
- Pre-existing disease waiting period - 1 year/ 2 year/ 3 years/ 4 years
You can choose the waiting period as per your choice in case of specific illness and pre- existing diseases.
Q. Is there an upper limit to the number of hospital days under Digit Hospital Cash policy?

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.
Q. Can I avail cashless hospitalization facility under Digit Hospital Cash policy?

Yes. You can avail cashless hospitalization facility at over 5900 network hospitals of Go Digit General Insurance Limited spread across India.
Q. Which documents do I need to submit while raising a Digit Hospital Cash policy claim?
You need to submit the following documents at the time of raising a claim under the Digit Hospital Cash policy:
- Duly filled Digit claim form
- Hospital discharge summary
- Bank details with a cancelled cheque
- A valid photo ID card for KYC (in case of claims worth more than Rs 1 lakh)
Q. Does Digit Hospital Cash policy comes with a free-look period?

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.