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Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
With the increasing number of critical illnesses and rising medical expenses, health insurance for families in India will become crucial. The cost of healthcare services, including consultations, surgeries, and treatments for chronic diseases, has surged significantly.
Family health insurance provides a financial safety net, covering hospitalisation costs, doctor fees, diagnostic tests, and sometimes even pre and post-hospitalization expenses. This coverage ensures that families are not forced to deplete their savings or incur debt to manage medical emergencies or routine health issues, thereby offering peace of mind and financial stability.
In this article, you will explore what family health insurance means, what’s covered and what’s not covered, how to buy family health insurance with Digit and the process to file a claim.
A family health insurance policy is a type of health insurance policy customised for you and your family members under one single annual premium. Family health insurance includes health benefits such as Daycare Procedures, Accidental Hospitalisation, Critical Illness Hospitalisation, Psychiatric Support, Advance Cash Benefits and Annual Health Checkups, amongst others.
Today, when health expenses and issues rise, family health insurance online assures that you and your family will always be covered and protected during unfortunate medical situations. Because protecting and caring for the people we love is the most human thing to do.
Dedicated to the ones who always put their family first. For the ones who want to protect their loved ones through it all. Big and small. Major and minor. For the ones who oversee everything, who think about it all.
Medical costs are only increasing. A family health insurance will safeguard your savings by helping you pay the medical bills for all insured family members, under one plan.
Contrary to popular belief, a family health insurance plan not only covers you and your family members for major illness but also covers for minor illnesses that could arise out of a health condition or accident.
Lifestyle-related diseases are on a rapid rise. Over 61% of major health conditions and deaths in India are caused due to lifestyle diseases today. A family health insurance will ensure you and your family are protected against them right from diagnosis to treatment.
Benefit from both physical and psychiatric health benefits, thus ensuring complete health and well-being for your complete family.
Save up not only on medical bills but, also get tax benefits on premiums paid.
The best part about a family insurance plan is you can cover for all family members under one plan. In fact, it’s also advised to include your young kids in the plan as early as possible as the premium would be very less and waiting periods would be over sooner too!
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy.
Pre-natal and post-natal medical expenses are not covered, unless they lead to hospitalisation.
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
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(250K + Customer Ratings)
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4.7/5
23 Feb 2025
Satya ch.
04 Jan 2025
मैं अपनी निजी अनुभव पर बता रहा हूं कि भारत की सबसे अच्छी हेल्थ इंश्योरेंस की कंपनी डिजिट इंश्योरेंस है मात्र एक सप्ताह में मुझे बिना किसी परेशानी के मुझे इस कंपनी ने क्लेम की राशि दे दी मे डिजिट कंपनी का हृदय से आभार व्यक्त करता हूं
प्रभाकर श्रीवास्तव
25 Feb 2025
Siddhartha Mudgala
18 Aug 2024
Jaimin Chauhan
14 Nov 2024
Anand Patel
09 Dec 2024
MKS
08 Oct 2024
Gaurav Hire
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
9000+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 10+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes* |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
Family health insurance policies can be classified into 2 categories:
Under the family floater health insurance plan, the complete family shares the sum insured. For example, if your plan SI is Rs 10 lakhs, the family must share this amount for the policy period:
Under the individual family health insurance plan, every family member gets an individual sum insured. For example, if your plan SI is Rs 10 lakhs, each family member can use up to 10 lakhs each for that policy period. If you’re buying an individual plan for four members, the sum insured for the three would be Rs 40 lakhs:
Buying a Family health insurance policy online is the same as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and secure your finances. For example, if you are planning to buy Digit’s Comprehensive Health Insurance Plan, follow these simple steps to get insured:
Visit Digit’s Website or App
Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.
Enter Basic Details
Share information like age, family members to be covered, and any medical history or pre-existing disease.
Choose Your Plan
Select your coverage amount and add any rider if needed. Proceed and fill in additional details.
Make Payment
Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.
When purchasing a Family health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that can be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License
✔ Birth Certificate
Address Proof
Income Proof
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
After purchasing a Family health insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Are you thinking of how to file a Family health insurance claim? Well, if you are filing for a cashless claim, confirm if your hospital is in Digit’s Network list. Inform Digit in time, submit the pre-authorisation form via the hospital, and enjoy cashless treatment! 🙂 Here are the steps to file and track a claim:
Get Treated & Save Everything
Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).
Open Digit App & File Claim
Log in to the Digit App. Navigate to the ‘File a Health Claim’ section on the app. Choose the policy & type of claim you are filing and other details.
Submit all the Documents
Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.
Register Claim & Relax
Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.
Renewing your family health insurance on time ensures uninterrupted coverage and continued financial security in medical emergencies. Follow these simple steps to renew your Digit Family Health Insurance hassle-free:
Log In to Your Account
Visit the Digit website or app, log in using your registered mobile number and navigate to the ‘My Policies’ section.
Review Policy Details
Choose the health insurance policy that needs renewal and review your policy details. Modify if required.
Make Payment
Proceed to pay the renewal premium securely online via UPI, net banking, credit/debit card, etc.
Get Renewal Confirmation
Once payment is successful, you will receive a renewal confirmation and updated policy details via email and WhatsApp.
You can claim tax benefits for health insurance premiums paid under Section 80D of the Income Tax Act, 1961 Income Tax Department, Government of India.
₹5000 for a preventive ‘health check-up’ is included in the above maximum limits.
The maximum that one can save under Section 80D (₹25,000) for those paying 5.20 per cent, 20.8 per cent and 31.2 per cent tax is ₹1,300, ₹5,200, and ₹7,800, respectively. This will exceed anything you can save under Section 80C of the Income Tax Act.
Please note: This deduction is available only if you opt for the old tax regime while filing your Income Tax Return. The premium amount must be paid through a non-cash mode (credit card, debit card, online payment, etc.).
The best health insurance plan aligns with your family’s health requirements and financial constraints while offering the most comprehensive coverage.
In India, health insurance is often underutilized, misunderstood, and bought with little thought and precision. However, now that things have gone digital, health insurance is also made available online.
This now makes it easier for you to evaluate your options at your own pace, read about the different benefits and customize your plan accordingly online. Moreover, online health insurance ensures zero paperwork and less time wasted!
We know this could confuse you if you’ve never bought health insurance online. But that’s why we’ve always kept our insurance simple, and here we’ll give you a basic guide on how to compare health insurance plans wisely and eventually make the right choice for you and your family.
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So, how exactly do we calculate your family health insurance premium?
Good health is everything. After all, it affects everything else in our lives. Here are some brief tips to ensure a healthy and happy life.
Please try one more time!
