Health Insurance for Family

A family floater health insurance plan in which all family members share the sum insured. This plan is suitable for young couples and nuclear families.

An individual plan covers each family member with a separate policy and a separate sum insured. For example, a family of 4 (parents and two children). Each family member has an individual health insurance policy with a sum insured of ₹5 lakhs. If one person falls ill and uses up their ₹5 lakhs coverage, the rest of the family’s policies remain unaffected, each still having ₹5 lakhs coverage.  Family plan covers the entire family under one policy with a shared sum insured. Using the same family of 4, they opt for a family health insurance plan with a sum insured of ₹10 lakhs. If one family member falls ill and uses ₹5 lakhs, only ₹5 lakhs remains for the rest of the family for that policy year. So, the key difference between the two is that an individual plan has separate coverage limits for each member and a family plan has a shared coverage limit among all members.

An individual plan covers each family member with a separate policy and a separate sum insured. For example, a family of 4 (parents and two children). Each family member has an individual health insurance policy with a sum insured of ₹5 lakhs. If one person falls ill and uses up their ₹5 lakhs coverage, the rest of the family’s policies remain unaffected, each still having ₹5 lakhs coverage. 

Family plan covers the entire family under one policy with a shared sum insured. Using the same family of 4, they opt for a family health insurance plan with a sum insured of ₹10 lakhs. If one family member falls ill and uses ₹5 lakhs, only ₹5 lakhs remains for the rest of the family for that policy year.

So, the key difference between the two is that an individual plan has separate coverage limits for each member and a family plan has a shared coverage limit among all members.

Yes, you can. You have the option to either go for an Individual Health Insurance plan for each family member or take a Family Floater Plan to cover all members under one plan.

If your parents are over 60 years old, you must get a senior citizen health insurance plan. While you can buy their policy simultaneously, the policy issued for them will be different from your family floater plan, i.e., they won’t be sharing the same sum insured as you and the rest of your family members.

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.

Thanks to technology, daycare procedures don't require more than 24 hours of hospitalisation anymore. This would include treatments like cataracts, nasal sinuses, chemosurgery, and others. It doesn't include OPD consultations or dental treatments.

No, all of that is referred to as OPD and is not covered under Daycare Procedures. Daycare Procedures are treatments that need less than 24 hours of hospitalisation.

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.

The annual sum insured refers to the maximum amount we can pay as an insurance provider during one policy year. So, if your sum insured is 10 lakhs, that is the maximum claim amount we can compensate for during one year.

You can cover your spouse and four children in your family floater health insurance.

The answer to the question ‘if ₹5 lakh sum insured is enough for a family health insurance’ depends on various factors like your family size, age, medical history, and the city you live in. It’s recommended that you opt for more than ₹10 lakhs coverage for your family to cover rising medical costs adequately.

Yes, premiums paid for family health insurance plans are tax-deductible under Section 80D of the Income Tax Act, 1961. This offers additional financial benefits.

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.

To add a family member to your Digit health insurance policy, you can follow the process: Contact Customer Support: Contact our customer support via the helpline or email to inform you about your intention to add a member. Submit Required Details: Provide necessary documents such as identity proof, relationship proof, and the member's medical history to be added.  Fill Out Form and Pay for Member Addition: If applicable, complete the member addition form and pay the additional premium for the new member.

To add a family member to your Digit health insurance policy, you can follow the process:

• Contact Customer Support: Contact our customer support via the helpline or email to inform you about your intention to add a member.
• Submit Required Details: Provide necessary documents such as identity proof, relationship proof, and the member's medical history to be added. 
• Fill Out Form and Pay for Member Addition: If applicable, complete the member addition form and pay the additional premium for the new member.

The factors that influence the premium of a family health insurance policy include: Age of family members The sum insured opted for Location of residence Medical history Chosen riders

The factors that influence the premium of a family health insurance policy include:

• Age of family members
• The sum insured opted for
• Location of residence
• Medical history
• Chosen riders

No, not all family health insurance plans cover dental treatments. Some Outpatient Department (OPD) insurance covers dental treatments but it's usually not included in basic health insurance policies. An extra premium might be required if you want to add this to your insurance plan. Check the specific plan details with your insurer to know what's included.

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).

If you forget to renew your health insurance policy on time, it will lapse. This means you will lose the coverage benefits, and any claims made after the lapse will not be honoured.

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 Digit’s online premium calculator.

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. Disclaimer: These durations can vary slightly based on the insurer and the specific terms of the policy, so it is always advisable to review individual policy documents for precise details.

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.

Disclaimer: These durations can vary slightly based on the insurer and the specific terms of the policy, so it is always advisable to review individual policy documents for precise details.

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 buy more than one family health plan. However, it's generally not recommended as the insurance company might consider it over-insurance and deny claims.

Digit likely outlines the required documents in your policy document. But generally, you'll need: Hospital bills and receipts Doctor's prescriptions and reports Medical records (if applicable) A photocopy of your ID proof KYC and bank details (with a cancelled cheque) Please note that the company might request that you provide additional documents per your claim requirement.

Digit likely outlines the required documents in your policy document. But generally, you'll need:

• Hospital bills and receipts
• Doctor's prescriptions and reports
• Medical records (if applicable)
• A photocopy of your ID proof
• KYC and bank details (with a cancelled cheque)

Please note that the company might request that you provide additional documents per your claim requirement.

The cost of family health insurance for a self-employed individual depends on various factors, such as age, desired coverage amount, location, and chosen plan. To receive a family health insurance quote from Digit, you can visit our website and check for your family's combination.

Typically, children can stay on your family health plan until they become financially independent. It's best to check your policy document for the exact age limit.

Yes, you can add family members to your Digit family medical insurance policy at the time of policy renewal.

Honestly, the earlier, the better! That way, you’ll have a lower premium and cross the waiting period for select benefits. We live in a time when health issues are rising, and healthcare expenses aren’t getting any lower! Family Health Insurance won’t only protect you but all your family members under one single umbrella.

Yes, most insurers allow you to add family members during policy renewal or through an endorsement mid-term. However, adding members may require additional premiums and could come with waiting periods for certain benefits.

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

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.

Yes, some family health insurance policies allow you to cover your mother-in-law in your policy. However, you can only add one, either adding your parents or your in-laws to the policy.

Yes, some family health insurance plans allow you to cover your father-in-law. However, most insurers require you to choose between adding your own parents or your parents-in-law under a family floater policy.