“I don’t need Health Insurance”
If you believe that, read on.
What's great about a Health Insurance by Digit?
Health Insurance Customized for All Age Groups
What’s Covered in our Health Insurance?
This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
25% Extra Sum Insured- Critical Illness Hospitalization
This is an extra cover that can be used in case of any Critical Illness treatment. (For eg: Kidney Failure, Cancer, Liver Failure, Brain Tumor, etc) However, this can only be used after your All Hospitalization coverage is exhausted.
25% Extra Sum Insured- Accidental Hospitalization
This is an extra cover that can be used in case of a hospitalization due to an accident when your All Hospitalization coverage has already been exhausted.
Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.
A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no copayment involved!
No Claim Bonus
If you do not make any claim in a year, Digit rewards you with an increase in your base Sum Insured, without any increase in your annual health insurance premium. This increase in your Sum Insured is called as your 'No Claim Bonus'.
Refill Sum Insured
In some cases it may happen that your Sum Insured is already used up due to an accident or illness, or simply because your entire family was sharing the Sum Insured. In such cases, we give you the benefit to refill it at any point in your policy period.
Room Rent Capping
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.
Road Ambulance Charges
ICU Room Rent
ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured.
Complimentary Health Checkups
Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice.
Organ Donor Expenses
In case of an organ transplant, if there is a need of an organ donor, hospitalisation charges for the organ donor will be covered. However, the cost of finding a donor is not covered.
Daily Hospital Cash
Getting admitted in the hospital results in expenses beyond the hospital bill. Digit understands this and pays you a daily cash allowance, that helps you manage daily expenses for things such as snacks, tea, coffee and more. This benefit is applicable after 1 day up to 30 days of hospitalization.
Under certain unavoidable circumstances, if your parent requires treatment or hospitalization at home, this cover can be helpful.
Post Hospitalization Lumpsum
This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement.
Psychiatric Illness Cover
If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.
This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.
Maternity Benefit with Newborn Baby Cover
If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days.
Alternate Treatment (AYUSH)
If your parents wish to get hospitalized under an alternate therapy such as Ayurveda, Unani, Siddha and/or Homeopathy.
Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same.
How to file a Claim?
Health Insurance Simplified by Kids
Our core philosophy lies in making insurance simple. That's why, while designing our health insurance product, we sat down with a bunch of kids to simplify our health insurance in a way that kids as old as 15 can understand it. After all, insurance was never meant to be so complex! 🙂
Why should you get Health Insurance?
Here's why more and more people are opting for a health insurance in India.
Factors affecting your Health Insurance Premium
Wondering why health insurance premiums differ? Based on a combination of various factors, your health insurance premium is defined by the following: