Health Insurance

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92% customers rate us 4 & above

“I don’t need Health Insurance”

If you believe that, read on. 

Polluted cities are leading to rise in respiratory diseases
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?

  • Easy Online Processes - From the process of buying a health insurance to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims! 
  • 25% Higher Sum Insured - Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost! 
  • 0% Copayment - Our plans come with 0% Copayment. This means, during your 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.
  • No Claim Bonus - A reward for staying healthy! Get Yearly No Claim Bonus.
  • Get Treated at any Hospital - Choose from 6400+ of our network hospitals in India for cashless claims or opt for a reimbursement.
  • Advance Cash Benefit - Get pre-approved claims with an advanced cash before your treatment even begins.

Health Insurance Customized for All Age Groups

The Young & The Restless

The Young & The Restless

  • For the young and the restless, our health insurance is well suited for young people & nuclear families. With benefits such as a Maternity Benefit and 25% Extra Sum Insured on Accidental and Critical Illness Hospitalization, our health insurance will have your back, without eating your bank balance away!
The Great Indian Families

The Great Indian Families

  • When you want to be that guardian angel and not only protect yourself, but your lovely family too. With special benefits such as our Refill Sum Insured, Zone Upgrade and more, our health insurance is perfect for families both big and small.
The Old & The Wise

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 and Home Hospitalization, our health insurance understands exactly what our parents need. After all, there’s no one else that needs more care and protection.

What’s Covered in our Health Insurance?

Smart Option

Comfort Option

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization at 1800-258-5956 or email us at
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk along with the cashless request form. We'll take care of the rest.
  • 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.

Health Insurance Simplified by Kids

Why should you get Health Insurance?

Here's why more and more people are opting for a health insurance in India.

Covers Medical Expenses

Covers Medical Expenses

  • A health insurance covers for your pre and post hospitalization related expenses in case of an unfortunate accident or illness, which would otherwise eat your bank balance away!
Maximizes Tax Savings

Maximizes Tax Savings

  • According to Section 80D of the Income Tax, anyone who buys a health insurance for themselves, or their parents can save tax up to Rs 25,000 to Rs 50,000!
Safeguards your Health

Safeguards your Health

  • Protect yourself from potential diseases and illnesses by benefiting from complimentary annual health checkups that are part of your health insurance plan.
Protects you from Critical Illnesses

Protects you from Critical Illnesses

  • Contrary to popular belief, many critical illnesses like cancer and heart disease are today diagnosed in young people <40. A health insurance ensures you will be financially covered in the likelihood of the same!
Helps you Make Smart Investments

Helps you Make Smart Investments

  • A health insurance is not only a smart move for people to protect their health but, also helps one maximize their tax benefits and, make use of special benefits such as a No Claim Bonus that ensures you’re rewarded for the years you don’t make any health claims!
Gives you Peace of Mind

Gives you Peace of Mind

  • How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health insurance to have your back in times of need.

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: 


While health conditions are on a rise for both people young and old, younger people are still a lot healthier due to stronger immune systems. Additionally, the younger you are, the more time you have to complete your waiting period for specific illnesses and covers. Therefore, the younger you are, the lesser is your premium! 


More than 61% of deaths in India are due to issues stemming from lifestyle diseases, including pollution levels! Therefore, your lifestyle habits such as if you’re a smoker or not will have an influence on your health insurance premium. 

Pre-existing Diseases or Conditions

If you’ve already been facing symptoms of some kind, or have a family history of a particular illness, then your health insurance premium will probably be higher due to the higher risk involved. 


Your premium will be affected by the city you live in because every city is different; in terms of risks and medical costs. For example; people living in North India are a lot more prone to lung diseases, due to the high percentage of pollution. 

Add-ons and Covers

One can customize their health insurance plan based on their personal requirements and health conditions. Therefore, when you opt for add-ons like a Maternity Benefit or AYUSH add on, your premium too increases by a small margin.

FAQs about Health Insurance Policy in India