Digit Health Insurance for Senior Citizens
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Digit Health Insurance for Senior Citizens
Digit Health Insurance for senior citizens is designed to cover the medical expenses of people above 60 years of age. The Digit Care Plus plan by Go Digit General Insurance Limited covers senior citizens irrespective of their age and provide customized coverage against a wide range of medical expenses.
Key Benefits of Digit Health Insurance for Senior Citizens
Below are the key benefits of buying Digit Health Insurance for senior citizens:
- Both individual and floater cover is available
- High sum insured options up to Rs 3 crore
- Coverage for coronavirus is provided
- Complimentary health check-up facilities are available
- Cashless treatment facility can be availed at over 6400 network hospitals
- Cumulative bonus up to a maximum of 200% can be opted
- Pre-policy medical check-up costs will be covered by the insurance company
- 7% and 10% long-term discount on opting for 2 years or 3 years policy term
- Direct business discount up to 15%
Digit Health Insurance Plans for Senior Citizens
Take a look at the Digit Health Insurance plan for senior citizens in the table below:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
Digit Care Plus policy |
Up to 3 crore |
Up to 25% under few covers |
View Plan |
Eligibility Criteria for Digit Health Insurance for Senior Citizens
The following table represents the eligibility criteria for parents to buy Digit Health Insurance for senior citizens:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
Adult - 18 years |
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Maximum Entry Age |
No age limit |
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Family Members Covered |
Self, spouse, children, grandchildren, sister, brother |
|
Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
Inclusions of Digit Health Insurance for Senior Citizens
The following coverage is available under Digit Health Insurance for senior citizens:
- Hospitalization Cover
- Day Care Procedures
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Dental Treatment
- Road Ambulance
- Second Medical Opinion
- Bariatric Surgery Cover
- Psychiatric Illness Cover
- Infertility Treatment Cover
- Organ Donor
- Alternate Treatment (AYUSH) Cover
- Emergency Air Ambulance
- Long Hospitalization Cash Benefit
- Maternity Benefit & Newborn Baby Cover
- Out-patient (OPD) Benefit
- Home (Domiciliary Hospitalization)
- Daily Hospital Cash Cover
- Critical Illness Benefit Cover
- Critical Illness Hospitalization Cover
- Cancer Benefit Cover
- Cancer Hospitalization Cover
The policyholder can opt for any of the above coverage along with hospitalization cover. However, daily hospital cash cover, critical illness benefit cover, critical illness hospitalization cover, cancer benefit cover and cancer hospitalization cover can be purchased on a standalone basis.
Exclusions of Digit Health Insurance for Senior Citizens
Go Digit General Insurance Limited comes with the following exclusions:
- Obesity or weight control procedures
- Plastic surgery or cosmetic surgery
- Treatment for drug abuse, alcoholism or other intoxicants
- Dietary supplements purchased without a doctor’s prescription
- Artificial life maintenance
- Suicide and self-injury
- External congenital anomaly
- Treatments taken outside India
- Sexually transmitted diseases
FAQs
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Q1. Does Digit Health Insurance for senior citizens have any waiting periods?
Ans: Yes, the policyholder will have to adhere to the following waiting periods under the Digit Health Care Plus policy as per the chosen option:
- Pre-existing Diseases Waiting Period – No waiting period/ 2 days/ 7 days/ 15 days/ 30 days
- Specific Diseases Waiting Period – No waiting period/ 1 year/ 2 years
- Initial Waiting Period – No waiting period/ 2 days/ 7 days/ 15 days/ 30 days
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Q2. Does Digit Health Insurance for senior citizens come with any sub-limits?
Ans: Yes, sub-limits apply to certain covers under the Digit Health Care Plus policy.
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Q3. Can I enhance the sum insured of my Digit Health Insurance for senior citizens mid-term?
Ans: No. You can enhance the sum insured under your Digit Health Care Plus policy only at the time of renewal.
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