Health Insurance for Family

A family floater is suitable for young families with low health risk, where the likelihood of multiple large claims is lower. If your family includes older members or higher medical risk, separate individual plans may be more reliable. 

If you miss a premium, insurers usually provide a grace period in health insurance (typically 15 - 30 days). If payment is not made within this period, the policy may lapse, and you could lose coverage and accumulate benefits like No Claim Bonus.

A family floater can be enough for young, healthy families if the sum insured is adequate and the risk of multiple large claims is low. It may not be enough if senior parents are included, one member has pre-existing diseases, or one claim can exhaust most of the shared cover. 

If your plan has shared coverage, one large claim can reduce or exhaust the total available cover, leaving limited protection for others in the same year. This is why choosing adequate sum insured is critical.

Yes, many plans allow the inclusion of parents or in-laws. However, adding older members increases premium significantly, and in some cases, it may be better to opt for separate senior citizen plans.

To add a family member to your Digit health insurance policy, you can contact our customer support via email or helpline number and provide them with the required documents to complete the process.

Yes, there are different waiting periods depending on the claim type: Initial Waiting Period: This is typically 30 days from the policy start date.  Pre-existing Diseases: There's a 1 - 3-year waiting period for pre-existing conditions you disclosed while buying the policy. Specific Diseases/ Procedures: Some illnesses or surgeries might have a 1 - 2 year waiting period.

Yes, there are different waiting periods depending on the claim type:

• Initial Waiting Period: This is typically 30 days from the policy start date. 
• Pre-existing Diseases: There's a 1 - 3-year waiting period for pre-existing conditions you disclosed while buying the policy.
• Specific Diseases/ Procedures: Some illnesses or surgeries might have a 1 - 2 year waiting period.

Newborn babies are only covered if you’ve opted for a Maternity Benefit and have completed the respective waiting period. However, you can add your child to your plan after 90 days. 

Yes, you can switch from an individual policy to a family floater plan. However, it depends on the insurer’s policies and procedures. Check with your insurer for more information. 

Refill Sum Insured refers to a benefit we offer wherein, once you’ve exhausted your sum insured in one policy year, we can refill it for you in case the need arises. This is generally allowed only once a policy year for unrelated illnesses. 

Yes, you can renew your family health insurance plan before it expires. Timely renewals ensure uninterrupted coverage for your family. To renew Digit’s family health insurance plan, log in to your Digit account and renew the policy.

Digit's family health insurance plans can cover up to 8 family members, including you, your spouse, up to 4 children, and either your parents (mother and father) or your in-laws (mother-in-law and father-in-law).

The cost of a family health insurance plan varies based on factors like the sum insured, the number of family members, and their ages. For specific pricing, it’s best to use a health insurance premium calculator.

You can make as many claims as you like in a year if the total amount doesn't exceed your sum insured (the maximum amount the policy covers per year). 

Yes, you can hold multiple policies. However, managing claims across insurers can be complex, and the combined coverage should be planned carefully to avoid overlap or inefficiency. 

The earlier you buy, the better, as premiums are lower and waiting periods (for pre-existing diseases or maternity) get completed earlier. Delaying purchase increases both cost and coverage restrictions. 

Yes, many family health insurance plans now cover AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy) up to a specified limit, provided the treatment is taken at a government-approved hospital.

Yes, you can request an increase in the sum insured at renewal. The insurer may approve it based on your claim history and health status. 

Adding senior parents to a family floater can make the premium higher because the premium is decided by the eldest member’s age. It can also increase the chance of the shared sum insured being exhausted if parents need frequent care. A separate senior citizen plan may be safer in many cases.

A family floater shares one sum insured across all members, while individual plans give separate coverage to each person. A super top-up provides extra coverage after a base limit (deductible) is crossed. For the best approach, one must choose a floater plan or individual plan as a base and add super top-up for higher protection.  

Even with health insurance, some expenses may not be fully covered. These include costs like consumables (gloves, syringes), non-medical items, room rent limits, co-payments, sub-limits on treatments, and non-covered procedures (like OPD or dental in many plans). These gaps can lead to out-of-pocket payments during claims.