Digit Health Insurance
Considering health insurance options? Digit Health Insurance provides coverage with a 95%+ claim settlement rate based on IRDAI data.
Why Choose Digit Health Insurance?
- Offers 5% annual automatic increase in sum insured ("Greedy" feature)
- Provides online application and policy management
- No copayment clauses based on age
- Covered COVID-19 treatment during pandemic periods
- Allows doubling of sum insured through no-claim bonuses
- Some plans have no room rent restrictions (varies by policy)
- Cashless treatment available at 7,000+ network hospitals
- Reimbursement possible for treatment at non-network hospitals
- Offers cumulative bonus for claim-free years (up to 100% increase)
- Standard 30-day waiting period applies (except for accidents)
- Pre-existing conditions covered after 2-4 year waiting period
All features are subject to policy terms and conditions. Exact benefits depend on the specific plan chosen.
Coverage Offered by Digit Health Insurance
Features | Smart Option | Comfort Option |
All Hospitalization, including for Coronavirus | Yes | Yes |
Additional Sum Insured- Critical Illness Hospitalization | No | Yes |
Additional Sum Insured- Accidental Hospitalization | No | Yes |
Daycare Procedures | Yes | Yes |
No Age Based Copayment | Yes | Yes |
Cumulative Bonus | No | Yes |
Refill Sum Insured | No | Yes |
Room Rent Capping | Yes | No |
Standard Features | ||
Road Ambulance Charges | Yes | Yes |
ICU Room Rent | Yes | Yes |
Complimentary Health Checkups | Yes | Yes |
Organ Donor Expenses | No | Yes |
Daily Hospital Cash | No | Yes |
Home Hospitalization | No | Yes |
Post Hospitalization Lumpsum | Yes | Yes |
Psychiatric Illness Cover | Yes | Yes |
Bariatric Surgery | Yes | Yes |
Additional Covers | ||
Maternity Benefit with Newborn Baby Cover | Yes | Yes |
Alternate Treatment (AYUSH) | Yes | Yes |
Zone Upgrade | Yes | Yes |
What is not Covered Under Digit Health Insurance?
- Pre-Natal & Post-Natal Expenses
- Pre-Existing Diseases
- Hospitalisation without Doctor's Recommendation
FAQs on Digit Health Insurance
- How do I buy Digit Health Insurance online?
Visit Digit’s official website, choose a plan, fill in your details, and pay online to get instant coverage.
- Who do I call when there is an emergency hospitalization?
You should call Digit at 1800-258-4242.
- Can I apply for more than one health insurance policy?
Yes, you can have more than one health insurance policy.
- What will happen if I miss a few payments of the premium of my health policy?
If you miss paying the premium on time, the health insurance policy will expire.
- How long does it take for a Digit claim to be processed?
Cashless claims are processed within 24 hours. Reimbursement claims take 7–14 working days.
- Does Digit Health Insurance offer COVID-19 coverage?
Yes, most plans cover COVID-19 treatment as per policy terms.
- How can I renew my Digit Health Insurance policy?
Log in to the Digit website, select your policy, and pay online to renew instantly.
- What documents are needed for a claim with Digit Health Insurance?
Claim form, photo ID, hospital bills, discharge summary, doctor’s prescription, and test reports.
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