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Accidental, Illness & COVID-19 Hospitalization Covered. Check prices in 2 mins.
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What is a Health Insurance?

“I don’t need Health Insurance”

If you believe that, read on. 

Pollution
India’s covid outbreak is currently the fastest growing in the world! 
Sedentary lifestyles
Sedentary lifestyles are reported to cause 61% of hospitalizations
Cancer Patient
Younger Cancer Patient cases increasing day by day
Medical Inflations
Medical Inflations are making treatments unaffordable
Mental Health
Mental Health Illnesses have been on a rise in India.
Heart Disease
Heart diseases have killed more people in India than any other non-communicable disease.

What's great about a Health Insurance by Digit?

  • Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
  • Additional sum insured available – Get additional coverage specifically for Accidental Hospitalizations and Critical Illnesses, at zero cost!
  • Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
  • No age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.
  • No room rent restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer.
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! You can get yearly cumulative bonus for claim-free years.
  • Get treated at any hospital - Choose from 5900+ of our network hospitals in India for cashless treatment or opt for a reimbursement.

Health Insurance options suited for everyone

Health insurance for the young & the restless

Health Insurance for the Young & the Restless

We understand that young people are a lot healthier and are often apprehensive to get a health insurance so early in life. However, getting a health insurance whilst you’re young means you will have cheaper premiums, cross waiting periods faster, can avail maternity benefits when the time comes and even use our OPD cover for minor treatments and injuries that can happen to just about anyone!

Health insurance for the Great Indian Families

Health insurance for the Great Indian Families

When you want to be that guardian angel and not only protect yourself, but your lovely family too. A health insurance for your family can be bought in the form of a family floater plan or an individual health insurance plan for each family member. With our special benefits such as refill sum insured, maternity benefit and newborn baby cover and more, our health insurance is perfect for families both big and small.

Health Insurance for the Old & the Wise

Health Insurance for the Old & the Wise

Whether you’re looking to protect yourself or, your beautiful parents. Our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalization, no room rent capping and hospitalization for coronavirus; our health insurance understands exactly what our parents need.

Health Insurance for Fitness Enthusiasts

Health Insurance for Fitness Enthusiasts

We understand that fitness enthusiasts are some of the most health conscious people out there. Whilst people like you are less prone to illnesses, buying a health insurance now can reap benefits such as cheaper premiums and tax savings whilst also coming to use in case of common workout injuries through our OPD benefit.

Health Insurance for Corporate Hotshots

Health Insurance for Corporate Hotshots

Maybe you already have your corporate medical insurance covering for you. But do you know they’re often really limited? Even if you don’t want to get a standard health insurance like say the Arogya Sanjeevani policy, you can instead opt for a top-up health insurance to cover for amounts over and above your corporate plan. It’s a win-win!

Health Insurance for Employees

Health Insurance for Employees

Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy a health insurance for your employees at an affordable premium which won’t only ensure they’re protected but, also keeps them happier as an employee health insurance is a benefit all employees value!

Health Insurance for Value Seekers

Health Insurance for Value Seekers

For those looking for affordable yet valuable health insurance plans, you could go for standard health insurance plans like the Arogya Sanjeevani Policy or even a top-up health insurance that even though has a deductible, comes with lower health insurance premiums.

What’s covered in our Health Insurance?

Smart Option

Comfort Option

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What’s not covered?

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.

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 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.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Claims FAQs - Hopitalization due to COVID-19

How does a Health Insurance claim work?

Key benefits of Health Insurance by Digit

Copayment

No Age Based Copayment

Cashless Hospitals

5900+ Cashless Hospitals All Over India

Cumulative Bonus

20% extra SI for your First Claim Free year

Sum Insured

Additional Sum Insured for Critical Illness & Accidental Hospitalization

Room Rent Capping

No Room Rent Capping. Choose any room you like.

Claim Process

Digital Friendly, No Hard Copies Required!

Types of Health Insurance options in India

Family floater health insurance

A family floater health insurance is a health insurance plan shared by the entire family!

Individual Health Insurance

An independent, individual health insurance plan customized just for you!

Health insurance for Senior Citizens

A customized senior health insurance plan designed to suit those above the age of 60 years. 

Super Top-up health insurance

super top-up plan comes to your rescue when you’ve exhausted your corporate plan or can’t pay from your pocket anymore. 

Group Medical Insurance

A group medical insurance can be bought for multiple people such as for employees of a company.

Maternity Health Insurance

A maternity health insurance is dedicated to cover for hospitalization expenses when your bundle of joy is on the way! 

Personal Accident Insurance

personal accident insurance covers for injuries & falls during unforeseen circumstances on the road! 

Arogya Sanjeevani policy

A standard health insurance that works well for value seekers. That’s what the Arogya Sanjeevani policy precisely is! 

Corona Kavach

A one-time shield to cover for hospitalization expenses due to the coronavirus.

Corona Rakshak

A type of coronavirus health insurance that helps cover for the expenses incurred due to the covid by offering a lumpsum amount.

Why should you get Health Insurance?

Why should I buy a Health Insurance online?

Buying a health insurance online is a quicker and process and can be done within a couple of minutes.
Thanks to digital friendly processes, buying a health insurance online means it is zero touch and contactless as compared to physically filling in forms or visiting an agent.
With all the information on your fingertips, you can easily evaluate health insurance plans at the comfort of your home and make a sound decision.
Buying a health insurance online could save you some bucks on your health insurance premiums since there are no middlemen involved. 
Apart from those who need medical tests to be done, a lot of health insurance policies online are instantly issued after you fill in your details and make the premium payment.

Common Health Insurance terminologies simplified

Waiting period

The amount of time you need to wait before you can start using any benefits of your health insurance policy.

Copayment

Copayment means you and your insurer are going to split the bills, i.e. While your insurer will pay for a large share of the bill, some part of it would have to be paid by you.

Pre-existing disease

Any disease or health condition that you already have had symptoms of or have been treated for before getting your health insurance policy is considered as a preexisting disease.

Daycare procedures

When one needs to be admitted to the hospital for a treatment or operation, but for less than 24-hours only. These treatments are referred to as daycare procedures.

Pre-hospitalization expenses

Medical bills go beyond what you need to pay for your stay at the hospitalization. Medical expenses incurred before hospitalization are called pre-hospitalization expenses. For eg: Expenses due to diagnostic tests. 

Cumulative bonus

When you don’t make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called as cumulative bonus. 

Deductible

Some health insurance plans require you to pay from your pocket before they can cover for you. This amount is called a deductible. This amount is usually decided by you while buying your health insurance policy.

Sum insured

This is the maximum amount your health insurer will be able to cover for you in one year. 

Portability

When you’re not too happy with your current health insurer and want to switch without having to lose out on waiting periods. This process is called portability in health insurance.

Things to keep in mind before buying a Health Insurance

Tips to Compare Health Insurance Plans

Factors affecting your Health Insurance Premium

How to choose the right Sum Insured?

Health Insurance buying tips

Popular myths about Health Insurance

FAQs about buying Health Insurance Policy in India