Digit Health Insurance with OPD Cover
Outpatient Department or OPD is a section within a hospital where you can get yourself diagnosed for an illness or an injury without getting hospitalized.
However, even if you do not require to be admitted to a hospital, it is important you avail a health insurance with an OPD cover. The reason being that the cost of OPD in India is 62% of the total medical bill, and since 2018, the number of people visiting doctor clinics have grown 3.2 times yearly.
Features of Digit Health Insurance with OPD Cover
- Online process: You can visit the Digit's official website and apply for a health insurance policy with an OPD cover. The whole process is quick, paperless, and hassle-free. Choose the hospital of your choice: You can choose from over 5900+ network hospitals of your choice to get yourself treated. You can either opt for cashless claim option or reimbursement.
- No need to pay out of your pocket: On availing a health insurance plan with OPD cover, you will not have to pay anything out of your pocket as the insurer does not offer any age-based copayment.
- Cumulative Bonus: You will earn a yearly cumulative bonus if you stay healthy and do not make a claim during the year.No room restriction:Choose a hospital room based on your preference. The insurance policy will cover the cost.
- Pandemic is covered: In case you are diagnosed with Covid-19 or any virus or pandemic, your health insurance with OPD cover will take care of the cost of the treatment.
Exclusions under Digit Health Insurance with OPD Cover
Given below is the list of exclusions under Digit Health Insurance with OPD cover:
- Expenses towards contact lenses and spectacles
- Physiotherapy
- Cosmetic procedures
- Ambulatory devices such as BP monitor, thermometer, glucometer, walkers, etc.
- Cost of vitamins and supplements
- Dietician fees
Types of Claims
There are two types of claims:
- Cashless Claim:You can visit the insurer's official website to find the list of network hospitals. When you visit the hospital, display your e-health card, following which you will be asked to fill the cashless request form after which your request will be processed instantly if the details mentioned are correct during verification.
- Reimbursement Claim: Within two days of your admission to the hospital, inform the insurance company by calling on the number 1800-258-4242 or sending an email to healthclaims@godigit.com. The insurer will send you a link where you will be required to upload all the documents and medical bills paid by you. Once verified, the claim amount will be reimbursed to you.
Who Should Purchase a Health Insurance with OPD Cover from Digit?
- Working professionals who only have group medical insurance provided by their employer
- Senior citizens
- Those who work out frequently
- People between the age group 25-40 years.
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