What’s the first thing that comes to mind when you think about health insurance?
In most cases, the answer is Confusion.
The terms used aren’t easy to understand. And most of us use health insurance in times of a medical emergency. That’s when we realize what our policy covers and what it doesn’t.
That’s a little too late to get that knowledge.
Health insurance should help a patient, not cause more confusion in times of need.
But is it possible to accomplish this?
The answer is – yes!
We looked at health insurance and the claims process through a fresh pair of eyes and realized that it could be made much more user-friendly.
Hence when we started curating our own Health Product, Digit HealthCare Plus, here are a couple of big changes we made:
a) Our Health plan is doctor-approved - Doctors interact with patients daily and have seen the challenges they face when it comes to health insurance. They also know individual healthcare needs and are in a better position to offer valuable suggestions.
b) It’s been simplified by kids – Sounds confusing? This video will help you understand better.
One size doesn’t fit all
If you go out with your family for dinner, each of you will order something different. That’s because each of us are different. We like different things.
Health insurance is the same.
Different age groups have different requirements and their health insurance policies need to reflect that.
That’s why Digit Health Insurance has different plans for different age groups.
- Our plans for young people have features like maternity benefit and 25% Extra Sum Insured on Accidental and Critical Illness Hospitalization.
- Our plans for families include features such as Refill Sum Insured and Zone Upgrade.
- For senior citizens, the plans cover AYUSH treatments and Home Hospitalization.
Our health plan also offers some other great benefits like:
a) No room rent caps
b) Zero Co-payment
c) Valid in over 6,400 hospitals
d) Advance cash in case of emergencies
All of this has been done keeping the patient in mind.
This table will give you a better idea of what Digit’s Health Insurance covers:
And here’s what our health insurance doesn’t cover:
- Pre-Natal & Post-Natal Expenses: Pre-natal and post-natal medical expenses, unless it leads to hospitalization.
- Pre-Existing Diseases: In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
- Hospitalization without Doctor’s Recommendation: Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.
Now, the most important question: the claims process!
After all that’s the moment of truth. So we have 3 options for you for claims, that can be opted as per your convenience!
Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-5956 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
Pre-Approved Claims with Advance Cash - Share your hospital estimate and medical records with us via email. Our health team will assess the documents and approve 50% of Advance Cash payment within 24 hours. The rest can be reimbursed post-discharge.
Well, health insurance isn’t something that isn’t as according to what you need, anymore! With Digit’s Healthcare Plus Policy protect yourself and your family with covers that are relevant to you!
