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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

What is the Cashless Medical Insurance Policy?

Imagine needing urgent medical care—wouldn't it be a relief to focus solely on recovery rather than worrying about bills and payments?

With a cashless health insurance policy, you can do just that. Think of it as “peace of mind in your pocket,” letting you walk into a network hospital, show your insurance card, and receive treatment without paying upfront.

This “hands-free” approach to health coverage ensures that finances don't add to your stress in moments when your health comes first.

What is a Cashless Health Insurance?
What is a Cashless Claim?
How Does Cashless Claim Work?
What's Great about Cashless Health Insurance?
What’s Covered and Not Covered?
Benefits of Cashless Health Insurance
How to File a Cashless Claim with Digit?
Required Documents
Cashless Claim vs Reimbursement Claim
Reasons for Claim Rejection
Frequently Asked Question

What is a Cashless Health Insurance Plan?

Cashless health insurance refers to a health insurance plans that gives you the choice to opt for your required treatment, without having to pay any cash out of your own pocket. The same costs are directly taken care of by the hospital and your health insurer (us!).

For example: If you or a family member is affected with the coronavirus and needs to be admitted for treatment, a cashless medical insurance will ensure you don’t need to pay upfront for the costs of the same.

All you need is an approval from your health insurer or third-party administrator and the rest will be taken care of by your health insurer!

What is a Cashless Claim?

Imagine being admitted to a hospital because of an illness and you have to pay nothing! Unbelievable, Right? But yes, this is possible because of Cashless Claims.

In a cashless claim, the hospital and your insurance company/TPA will work together to arrange and pay the bill according to your policy's coverage, but only if you undergo the treatment in an affiliated hospital.

How Does Cashless Claim Work?

A cashless claim is a simple process. Cashless health insurance ensures cashless treatment anywhere, removing the inconvenience of paying cash at hospitals when necessary:

Choose Your Insurance Company: You start by selecting a health insurance provider that meets your requirements.
Select Your Plan: Based on your needs and financial situation, you choose a health insurance plan with cashless benefits.
Purchase the Plan: Pay the premium and purchase the policy to get the benefit in emergencies.
Locate a Network Hospital: Look for a network hospital that has partnered with your insurance company for treatment.
Use Your Health E-Card: When you visit a network hospital, you must download your health E-Card containing all your information and show it to the hospital.
Your Insurance Pays the Bill: Depending on your policy, the hospital and insurer will cover the cost of the treatment.

Why is Cashless Health Insurance Important?

Who doesn't like to be stress-free while undergoing treatment? A cashless medical insurance policy is important to protect you from hefty medical bills. Here are some other important things about having cashless health insurance.

What's Great About a Health Insurance by Digit?

Simple Online Processes - From buying a health insurance policy to making claims, it is paperless, easy, quick, and hassle-free! No hard copies, even for claims!
No Age-Based or Zone-Based Co-Payment - Our health insurance comes with no age-based or zone-based copayment. This means that during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your Sum Insured in health insurance during the policy period, we refill it for you.
Get Treated at Any Hospital - Choose from our network hospitals in India for a cashless treatment or opt for a reimbursement.
Wellness Benefits - Get exclusive wellness benefits in your health insurance on the Digit App in collaboration with top-rated health and wellness partners.

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY 2024-25.

What’s Covered in the Health Insurance Plans Offered by Digit?

Coverages

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalisation - due to Accident, Illness, Critical Illness or COVID

This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.

✔

Initial Waiting Period

You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.

✔

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

✔

Sum Insured Back Up

We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Cumulative Bonus

Digit Special

No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!

10% of Base Sum Insured for every claim free year, up to max 100%.

50% of Base Sum Insured for every claim free year, up to max 100%.

No Room Rent Capping

Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..

✔

Day Care Procedures

Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.

✔

Worldwide Coverage

Digit Special

Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!

✔

Health Check-up

We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.

0.25% of SI up to ₹ 2,000 after every year.

Emergency Air Ambulance Expenses

There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.

✔

Age/Zone Based Co-payment

Digit Special

Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalised.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalisation

This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

Other Features

Pre-Existing Disease (PED) Waiting Period

The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.

3 Years

Specific Illness Waiting Period

This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

1-3 Years

Inbuilt Personal Accident Cover

If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.

₹ 50,000

₹ 1,00,000

Organ Donor Expenses

Digit Special

Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!

✔

Domiciliary Hospitalisation

Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.

✔

Bariatric Surgery

Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.

✔

Psychiatric Illness

If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.

✔

Consumables Cover

Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.

Available as an Add-On

Health Insurance Add-on Options with Digit

Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy:

Consumable Cover

Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

You can reduce your pre-existing disease waiting period to up to 2 years.

Network Hospital Discount

This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalised in non-network hospital.

What’s Not Covered?

Key Benefits of Health Insurance by Digit

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	9000+ Network Hospitals across India
Inbuilt Personal Accident Cover	Yes
Wellness Benefits	Available from 10+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes*
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

*Available only on Worldwide Treatment Plan

99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25

When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.

Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.

What Our Customers Have to Say about Us

See All Reviews

Advantages of Cashless Medical Insurance

Cashless health insurance is a necessary coverage one should have in the time of an emergency. It has several advantages that can help you be stress-free and not worry about managing the large amount at the hospital. Here are a few advantages:

No Upfront Cash Payments

When you or a family member is admitted due to an illness, the last thing you should worry about is the money, and cashless health insurance helps you with just that by covering the cost of hospitalisation.

Less Uncertainty

Cashless medical insurance claims require approval before treatment, which ensures that your health insurer approves your claim. Hence, there's less uncertainty involved with a cashless health insurance claim.

Quick and Hassle-free Process

While both cashless claims and reimbursement claims can be hassle-free, reimbursement claims, in comparison, do take slightly more time to process. This is because, unlike cashless claims, reimbursement claims are approved and taken care of right at the time of admission.

Large Hospital Network

Having cashless health insurance is similar to having a hospital network passport. Numerous hospitals included in the insurance network are available for your selection. This implies that you have choices and can select the healthcare facility that best suits your requirements.

Stress Relief

Emergencies are already a stressful situation. Having health insurance that doesn't require cash brings relief. You receive the necessary care without worrying about making financial arrangements or experiencing financial strain during treatment.

Simple Online Paperless Process

In the digital world today, nobody likes dealing with mountains of paperwork. The key to cashless health insurance is going digital and eliminating the burden of completing paperwork and monitoring expenses. It's efficient, quick, and simple.

How to File a Cashless Claim with Digit?

Cashless health insurance ensures cashless anywhere, removing the inconvenience of having to pay cash at hospitals when necessary. Insurance companies bargain directly with hospitals in their network to pay for the insured person's medical care.

Here’s a glimpse into how it works and how you can make a cashless claim with your health insurance.

For Planned Hospitalisation

When you need to make a health insurance claim, choose any one of our 9000+ network hospitals. These are the only hospitals where you’ll be able to claim for cashless treatment.
Let us know at least 72 hours in advance if you’re going for a planned hospitalization in your preferred location hospital.
When you visit one of our network hospitals, you must share your health e-card and ID proof with the hospital authority and obtain your pre-authorization form from the hospital.
After your forms are all filled and signed, submit them and ensure the hospital shares these forms with the Third-Party Administrator (mediator between the hospital and your health insurer)
Your request will be reviewed, and the insurance company will contact the hospital for pre-authorization. They will evaluate the coverage and medical necessity.
The rest will be taken care of by your health insurer, i.e. us and the hospital!

For Emergency Situations

You should start the cashless mediclaim facility within 24 hours of hospitalisation since you immediately require medical attention.
At the network hospital, present your health insurance card, which will include your policy number, the name of your insurance provider, and the kind of policy you have.
After completing the pre-authorization form, the insurance desk employee will accelerate the processing of your claim.

Documents Required for Cashless Hospitalisation Claim

You must have a few important documents when visiting a cashless hospital in India. With no upfront fees, this procedure makes your hospital stay easy and hassle-free. The documents include:

Health E-Card (if any)
Identity Proof: Driving Licence, Adhar Card, etc.
Medical Documents: Doctor’s Prescription, Admission Form, etc.
The hospital Pre-Authorization form filled
Previous Medical History Reports
Claim form downloaded from your insurance company website
Any additional document required by your insurance company

Digit's Network Hospitals for Cashless Hospitals

Get Cashless Treatment at 9000+ Hospitals across India

List of 9000+ Network Hospitals

Digit’s Health Insurance Claim Numbers for FY 2024-25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

At Digit, in the second half of FY25, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.

Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.

65% Cashless Discharge Approved in Just 60 Minutes at Digit

At Digit, in the second half of FY 2024-25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.

While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.

Almost 70% of Reimbursement Claims Settled in Just 2 Days

Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2024-25 was just 2.43 days.

Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25

At the heart of smooth insurance experiences lies something you never see!! 😁

At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY 2025 alone, they registered over 1.1 lakh claims, cutting down processing time.

No breaks and no delays. Fewer forms and faster care! ☺️

Digit Settled 9.16 Lakh Claims in FY 2024-25

The data below is for all the products as given in the table below:

9.16 Lakh Claims Settled

Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.

Because when life takes a sudden turn, your insurance should move forward, not hold you back.

₹4,622 Crore Paid in Claims

At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.

Quick settlements, zero confusion, and absolute peace of mind.

What to Do If No Cashless Hospitals Are Nearby?

Although we hope that never occurs, you can file a reimbursement claim at any other hospital of your choosing in its place. Here's how to submit a claim for reimbursement:

Notify us about your treatment within 48 hours after the date of hospitalisation
Avail your treatment and settlement bills that you have done out of your pocket
Submit and upload all the necessary documents on your company’s portal to get the reimbursement
The insurance company (us) will verify all the documents and settle your claim after verifying.

Difference Between Cashless Claim and Reimbursement Claim

As mentioned above, there are two types of processes you can opt for during claims in health insurance. A cashless claim or a reimbursement claim. Here’s a quick table to help you understand the key differences between the two!

Factors	Cashless Claim	Reimbursement Claim
What does it mean?	A cashless claim means your health insurer will take care of the bills, right from the start with the network hospital. You don’t need to pay any cash up front.	In a reimbursement claim, you will first have to make all payments for your hospital bill. Then, after your hospitalization, your medical documents will need to be submitted for your claim approval and reimbursement.
Do you need prior approvals for claims?	You need to get your claim approved beforehand—at least 72 hours before in case of a planned hospitalization and within 24 hours in case of a medical emergency.	You don’t necessarily need to get your claim approved beforehand. The reimbursement process is initiated after your treatment after your document verification.
Is it applicable in all hospitals?	Cashless claims are only applicable with your insurer’s network hospitals.	Reimbursement claims can be done through any hospital. It doesn’t matter if it is part of a network hospital or not.
What is the payment procedure?	The payment is processed directly by your insurance company and the hospital.	You must first make the payment and then the insurance company will return the money.
What are the documents required?	Basic verification documents, such as an Adhar card, health card, claim form, etc., are required.	For verification, a list of documents, including a claim form, hospitalisation bill, consultation paper, investigation reports, etc., is required.

Top Reasons for Claim Rejection in a Cashless Medical Insurance

One excellent strategy to lessen the financial strain of medical bills in India is to use a cashless mediclaim policy coverage. Nonetheless, claims made under this policy may be denied for specific reasons.

Let's dissect it to make it easier to understand:

Incomplete Waiting Period: There is a waiting period for specific conditions under every policy. You risk denying your claim if you file for a condition during this waiting time. Be sure you understand these waiting times for the specific treatment you are undergoing.
Non-Disclosure of Information: Your claim may be denied if you hide any information regarding your health or any pertinent health information. Always fill out your policy application accurately and truthfully.
False Information: The claim form may be rejected if it contains any false information. To prevent such issues, double-check all the information before filing the claim.
Insufficient Documents: Failure to provide all required documentation is one of the primary causes of health claim rejection. Ensure that you provide the insurance company with all your medical documents, bills, and reports as requested.
Pre-existing Conditions: Your claim may be denied if you haven't disclosed any pre-existing medical conditions when applying for insurance. Always provide your whole medical history to prevent your claim from being denied.
Timeframe Crossed: If you fail to notify your insurance company of your hospital stay within the predetermined time window, your claim can be rejected.

Everywhere Cashless by GIC: Treatment Anytime, Anywhere!

The General Insurance Council (GIC) started the 'Cashless Everywhere' program to recreate the Indian health insurance market. By altering the traditional methods of filing health insurance claims, this program gives policyholders greater ease and versatility.

In the past, policyholders who wanted cashless treatment had to choose a network hospital. If they sought medical attention outside of these networks, they had to pay the full hospital fee before filing a reimbursement claim. However, the Cashless Everywhere Hospitals campaign lifted these limitations, enabling policyholders to get cashless care at any hospital, independent of network ties.

This is how Everywhere Cahsless works:

Check if your hospital is on the list of everywhere cashless hospitals.
Confirm with the hospital if they accept Anywhere Cashless.
Inform your insurance company before the 48-hour planned hospitalization or within 24 hours of admission during medical emergencies like accidents.
You have to fill out your claim form and ask your hospital to mail it to your insurance company.

In India, cashless health insurance has transformed the way people approach healthcare, offering peace of mind in times of medical need. With a simple e-card at a network hospital, policyholders can focus on their recovery. At the same time, the insurer takes care of the financial side—no waiting in long queues or arranging last-minute funds.

FAQs about Cashless Health Insurance

All

Do I need to opt for cashless health insurance while buying a health insurance policy?

No, you don’t need to opt for cashless health insurance. Your health insurance policy will already include it as a claim option. You can confirm this option with your health insurance company.

How to choose the best cashless health insurance in India?

One of the primary reasons people buy health insurance is because of the benefit of cashless claims. To choose the best cashless medical insurance, always look for features such as:

Claim settlement process (to get an idea of how efficient your insurer is with cashless claims)
Number of network hospitals (more than the number; also check if hospitals you prefer are available in their network or not)
Processes (how simple or complicated it is)
Copayment (see whether your claims will be completely cashless or whether you have to pay a percentage of the bill or not)
Check for the brand’s overall reviews and reputation and you’ll be able to make the right choice.

How many network hospitals does Digit Insurance have?

Digit’s Health Insurance has 9000+ network hospitals across India for cashless claims.

Do I have to pay anything from my pocket during a cashless claim?

This depends on whether your health insurance comes with a copayment or not. If it comes with a percentage of copayment, then at the time of claim, you will have to pay a small amount from your pocket depending on your hospital bill (for example, if your copayment is 10%, you will have to pay 10% at the time of discharge and rest 90% will be cashless). However, if your health insurance has no copayment, then you don’t need to pay anything from your pocket as long as your hospital bill is less than the total sum insured is available.

Is OPD covered in cashless health insurance?

This depends on your chosen health insurance policy since some health insurers provide OPD benefits while others don’t. Read the policy wording before opting for health insurance to learn about OPD coverage.

Can I receive care at any hospital without using cash?

No, You can receive care only from the hospitals in your insurance company's network, which are eligible to treat you under cashless health insurance.

Should I disclose my hospital stay to my cashless health insurance provider?

Yes, Disclosing your hospital stay to your health insurance company is important. According to most policies, you must notify your health insurance company of your anticipated hospitalization at least 72 hours before being admitted to the network hospital.

Does cashless health insurance allow me to receive tax benefits?

Yes, you can avail medical insurance tax benefit according to Section 80D of the Income Tax Act. You can avail yourself of tax benefits of up to 25,000 if you are below 60 years of age.

What is a Network Hospital?

A medical facility that partners with an insurance company is known as a network hospital. In a medical emergency, policyholders can visit the network hospital and use the cashless health insurance claim.

Can a claim for cashless health insurance be rejected?

Yes, cashless health insurance can be rejected several times:

If the plan does not cover the medical condition or treatment.
If the care is received at a hospital that is not covered by the insurance company and is not in the network.
In cases of any false information or inappropriate document submission.
If the pre-authorization paperwork not be received on time

How many claims are permitted annually under cashless health insurance coverage?

You can claim health insurance multiple times until it is covered under your insured sum.

How long does it take to get approved for a cashless claim?

It takes 24 hours to get approved for your cashless claims, but it will differ from policy to policy. The insurer must pay for any additional costs the hospital may incur if the procedure takes longer than that.

Is a cashless claim better than a reimbursement claim?

In general, yes. A cashless claim procedure is preferable to a reimbursement claim procedure under health insurance due to its convenience, quickness, and hassle-free nature.

Who is a TPA?

TPA stands for Third Party Administrator. The health insurance company's agent is TPA. It serves as a go-between for the insured person and the insurance company. Its main responsibility is to handle all insurance and cashless claims regarding hospital stays and medical bills.

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CIN: L66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited | Corporate Office Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095 | Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Cashless Health Insurance Online

What is the Cashless Medical Insurance Policy?

Table of Contents

What is a Cashless Health Insurance Plan?

What is a Cashless Claim?

How Does Cashless Claim Work?

Why is Cashless Health Insurance Important?

What's Great About a Health Insurance by Digit?

What’s Covered in the Health Insurance Plans Offered by Digit?

Health Insurance Add-on Options with Digit

Consumable Cover

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

Network Hospital Discount

What’s Not Covered?

Pre-Natal & Post-Natal Expenses

PED Before Waiting Period

Hospitalisation without Doctor’s Recommendation

Key Benefits of Health Insurance by Digit

99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25

What Our Customers Have to Say about Us

Advantages of Cashless Medical Insurance

No Upfront Cash Payments

Less Uncertainty

Quick and Hassle-free Process

Large Hospital Network

Stress Relief

Simple Online Paperless Process

How to File a Cashless Claim with Digit?

For Planned Hospitalisation

For Emergency Situations

Documents Required for Cashless Hospitalisation Claim

Digit's Network Hospitals for Cashless Hospitals

Digit’s Health Insurance Claim Numbers for FY 2024-25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

65% Cashless Discharge Approved in Just 60 Minutes at Digit

Almost 70% of Reimbursement Claims Settled in Just 2 Days

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25

Digit Settled 9.16 Lakh Claims in FY 2024-25

9.16 Lakh Claims Settled

₹4,622 Crore Paid in Claims

What to Do If No Cashless Hospitals Are Nearby?

Difference Between Cashless Claim and Reimbursement Claim

Top Reasons for Claim Rejection in a Cashless Medical Insurance

Everywhere Cashless by GIC: Treatment Anytime, Anywhere!

FAQs about Cashless Health Insurance

Do I need to opt for cashless health insurance while buying a health insurance policy?

How to choose the best cashless health insurance in India?

How many network hospitals does Digit Insurance have?

Do I have to pay anything from my pocket during a cashless claim?

Is OPD covered in cashless health insurance?

Can I receive care at any hospital without using cash?

Should I disclose my hospital stay to my cashless health insurance provider?

Does cashless health insurance allow me to receive tax benefits?

What is a Network Hospital?

Can a claim for cashless health insurance be rejected?

How many claims are permitted annually under cashless health insurance coverage?

How long does it take to get approved for a cashless claim?

Is a cashless claim better than a reimbursement claim?

Who is a TPA?

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