Health Insurance: Buy/Renew Medical Insurance Policy in 2025
Health insurance, also known as medical insurance, provides financial protection against both planned and unplanned medical expenses. This includes regular check-ups, scheduled critical illness treatment, costs for hospitalisation, day-care treatments, surgeries, accidents or sudden illness.
With health insurance, you can focus on getting the medical care you need without the stress of high, unexpected out-of-pocket expenses.
Quick Summary
AI Generated
- Health insurance helps protect your savings by covering rising medical expenses such as hospitalisation, surgeries, and critical illnesses.
- There are multiple types of health insurance plans, like individual, family floater, critical illness, and super top-up, to suit different healthcare needs.
- Coverage includes hospitalisation, daycare, maternity, psychiatric support, organ donor care, and optional benefits such as AYUSH and consumables.
- Ideal health insurance coverage depends on various factors, including age, location, family size, health risks, and budget.
- Select the right health plan by assessing needs, comparing benefits, checking costs, & reviewing terms for personalised, long-term protection.
- Wellness benefits, including free health checkups, teleconsultations, and mental health support, encourage preventive care.
What is Health Insurance?
Why Do You Need Health Insurance?
Types of Health Insurance Policies
Why Choose Digit Health Insurance?
Benefits of Health Insurance by Digit
What’s Covered and Not Covered?
What is Ideal Coverage for Health Insurance?
How to Choose the Best Health Insurance Plan in 2025?
How to Buy/Renew Health Insurance Policy Online?
How to Calculate Health Insurance Premiums?
Why Buying Health Insurance from Digit is Better?
How to Download Your Health Insurance Policy?
How to File & Track Health Insurance Claim?
How Does Health Insurance Claim Work?
How to Avoid Health Insurance Claim Rejections?
Save Tax through Health Insurance
Myths about Health Insurance
Frquently Asked Questions
Listen to the Audio Overview of This Article
What is Health Insurance?
Health insurance is like a safety net that helps you pay for medical care when you are sick or injured. You pay a certain amount regularly (called a premium) to the insurance company, and in return, they help cover the costs when you visit the doctor, undergo tests, or require treatment.
This includes expenses incurred during pre and post-hospitalisation, annual health check-ups, psychiatric support, critical illnesses and organ donor expenses, amongst others, as per your customised health insurance plan.
Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.
Why Do You Need Health Insurance?
“I don’t need Health Insurance”
If you believe that, read on:
The vector-borne disease fatalities are a problem in many regions. In 2024, the country recorded over 2,09,000 malaria cases, showing a rise compared to previous years. [1]
Around 59% of Indian women and 40% of Indian men are considered unhealthy due to poor diet, lack of physical activity, and other lifestyle factors. [2]
In India, the burden of cancer continues to grow. According to the ICMR, the number of people living with cancer is expected to rise to 29.8 million by 2025. [3]
India’s medical inflation rate in 2025 is projected to be around 13.2%, which is higher than the Asia-Pacific average of 12.3%. [4]
Mental health disorders now account for approximately 15% of the total disease burden among adults in India as of 2024 - 2025 [5]
Heart disease due to high BP and obesity remains the leading cause of death in India, accounting for nearly 28% of all deaths as of 2025. [6]
Types of Health Insurance Policies in India
Individual Health Insurance
An Individual Health Insurance policy is one that you can buy to cover you, your spouse, children, and parents on an individual sum insured basis. This type of insurance policy covers your medical expenses for injuries and illnesses related to hospitalisation, surgery costs, room rent, daycare procedures, and more.
Ideal For: Young adults, self-employed individuals, or those without employer-sponsored plans.
Key Benefit: Each insured member receives a dedicated sum insured, providing enhanced financial protection in the event of multiple or simultaneous medical emergencies.
Individual Health InsuranceFamily Floater Health Insurance
A Family Floater Health Insurance policy is one that you can buy to cover yourself and your family members under a single plan. This means that both your health insurance premium and sum insured will be shared among all members in the plan.
Ideal for: Families with spouses, children, and dependent parents.
Key Benefit: All insured members share a common sum insured, making it more affordable than individual plans.
Family Floater Health InsuranceGroup Health Insurance
A Group Health Insurance policy is one that an employer or organisation buys to cover a group of individuals, especially the employees, under a single plan.
Ideal for: Employees in companies, members of associations, or organisations.
Key Benefit: It ensures financial protection for employees and can be extended to their families, making it a valuable part of employee benefits.
Group Health InsuranceSenior Citizens Health Insurance
A Senior Citizen Health Insurance policy is designed specifically for individuals aged 60 years and above.
Ideal for: Seniors and retirees aged 60 and above.
Key Benefit: It provides higher sum insured options, cashless treatment, domiciliary hospitalisation and lifelong renewability.
Senior Citizens Health InsuranceMaternity Health Insurance
A Maternity cover can be bought as a rider along with the basic health insurance plan. All the expenses incurred in the prenatal stage, delivery and post-natal stage are covered.
Ideal for: Couples planning to start a family.
Key Benefit: It provides financial protection during pregnancy and childbirth, reducing out-of-pocket expenses.
Maternity Health InsuranceCritical Illness Health Insurance
A Critical Illness Health Insurance policy provides a lump sum payout upon the first diagnosis of a serious illness such as cancer, heart attack, stroke, kidney failure, or major organ transplant.
Ideal for: Individuals with a medical history or those seeking extensive protection.
Key Benefit: It offers a one-time lump sum payment that helps cover high treatment costs, lifestyle adjustments, and non-medical expenses.
Critical Illness Health InsuranceSuper Top Up Health Insurance
A Super Top-Up Health Insurance policy offers additional coverage once your total medical expenses in a year exceed a fixed deductible. During a claim, the payment will be made in addition to the defined limit specified in the policy.
Ideal for: Individuals with limited employer health coverage.
Key Benefit: It works alongside your base health insurance or out-of-pocket payments, covering hospitalisation and major treatments beyond the deductible limit.
Super Top Up Health InsuranceBenefits of Buying Health Insurance at an Early Age
Buying health insurance at an early age has multiple benefits, including financial, medical and even emotional. Here’s why it's smart to have health insurance at a young age:
The premium is lower at an early age because younger individuals are considered less risky and have a lower probability of making claims. This means you pay less for more coverage!
Most health insurance policies come with a waiting period, which is the time during which you cannot make any claims. Buying early helps you serve the waiting period while you are still healthy.
Most health insurance policies require pre-medical tests for individuals. Hence, by investing in a health insurance policy at an early age, you can skip the pre-medical tests and avoid any complications.
Why Choose Digit Health Insurance?
Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.
Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.
Key Benefits of Health Insurance by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
| 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 |
*Available only on Worldwide Treatment Plan
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalisation - due to Accident, Illness, Critical Illness or COVID
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.
Initial Waiting Period
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.
Wellness Program
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
Sum Insured Back Up
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. .
Cumulative Bonus
Digit Special
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!
No Room Rent Capping
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..
Day Care Procedures
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.
Worldwide Coverage
Digit Special
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!
Health Check-up
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.
Emergency Air Ambulance Expenses
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.
Age/Zone Based Co-payment
Digit Special
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.
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
Pre/Post Hospitalisation
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
Pre-Existing Disease (PED) Waiting Period
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.
Specific Illness Waiting Period
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 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
Inbuilt Personal Accident Cover
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.
Organ Donor Expenses
Digit Special
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!
Domiciliary Hospitalisation
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.
Bariatric Surgery
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.
Psychiatric Illness
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.
Consumables Cover
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.
What’s Not Covered?
Pre-natal and post-natal medical expenses are not covered unless they lead to hospitalisation.
A claim for a pre-existing disease or illness cannot be made until the specified waiting period is over.
Hospitalisation for any condition that doesn’t match the doctor’s prescription is not covered.
Health Insurance Add-on Options with Digit
Choose Health Insurance Coverage of Your Choice
What is an Ideal Coverage for a Health Insurance Plan?
Ideal coverage means having sufficient health insurance to cover your hospital bills without depleting your savings. An ideal health insurance plan is usually suggested to have a sum insured equal to at least half of your annual income.
You must check if it is sufficient to meet your medical expenses. Experts suggest buying a health cover of at least ₹10 lakhs to combat rising healthcare costs easily.
To choose the right sum insured for you and your family, here are a few important points to keep in mind:
- Age & Lifestyle: As healthcare evolves with age & lifestyle. Hence, you must opt for a higher sum insured if you are planning for a family or have senior citizens.
- City or Zone: If you live in polluted metro cities, toiling with traffic and bearing office stress daily, you may be at a higher risk of falling ill. Opt for a higher sum insured in such cases to avoid out-of-pocket expenses.
- Family Size: Insuring all family members under a Health Insurance policy is a wiser way to protect your family against future financial risks related to high medical costs.
- Health Conditions: If a hereditary disease is present in the family or a common health condition is emerging in the city where you reside, consider a higher sum insured.
- Premium Affordability: Find the right balance between good coverage and what you can afford yearly. Consider getting a super top-up plan to increase coverage in low premiums.
But Why Digit Recommends ₹25 Lakhs Coverage?
Let’s face it! Hospital bills aren’t what they used to be. With medical costs going up faster, a ₹25 lacs health cover isn’t just nice to have - it’s a smart move!
This type of coverage acts like a strong umbrella in the event of a medical emergency. Experts at Digit recommend having ₹25 Lakhs coverage because:
- It covers the rising medical inflation in Tier 1 cities
- Protects against major surgeries, such as cancer, bypass procedures, etc
- Sufficient for a family of 3-4 members under a policy
- Reduces out-of-pocket expenses during multiple hospitalisations
- Ensures peace of mind during medical emergencies
Bonus Point: Opting for a higher sum insured early on can also help you lock in better premiums while you're still young and healthy. It’s an investment in your future self. 🙂
How to Choose the Best Health Insurance Plan in 2025?
Choosing the right health insurance plan in 2025 isn’t just about picking the cheapest option; it’s about finding a plan that truly fits your lifestyle, health needs, and future goals. Here are some tips for choosing the best health insurance plan:
To choose the right insurance plan, start by assessing your coverage needs and looking for plans that meet those requirements. Evaluate additional benefits like sum insured restoration, no-claim bonuses, value-added benefits, and annual health check-ups.
Check if the plan covers expenses incurred before and after hospitalisation, such as diagnostic tests, consultations, and post-hospitalisation expenses, including follow-up visits, medications, etc.
Check the waiting period for pre-existing diseases, maternity, specific illnesses or surgeries. Consider getting a policy with a shorter waiting period so that you can claim sooner for any ongoing health concerns.
Customisation ensures flexibility. Hence, look for plans that allow customisation or add-ons, such as consumable coverage, network hospital discounts, etc.
Premium amount is a crucial factor to consider before choosing a plan. The higher the premium, the better the coverage. Evaluate your monthly premium, deductible, and out-of-pocket costs to balance affordability with coverage.
Some insurers offer discounts for various reasons, such as family floater policies, long-term policies, or if you maintain a healthy lifestyle (e.g., non-smoker discount). Explore available discounts to optimise your premium.
Research the insurer’s reputation for timely claim settlements. A higher claim settlement ratio indicates a greater chance of getting your claim settled easily. Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR) in the FY 2024 -25.
A wide cashless hospital network ensures access to quality care without financial stress. When purchasing a health insurance policy, always confirm whether or not the policy covers the major or closest hospitals to your home.
Ensure your plan offers a lifetime renewability option. This is crucial as medical needs increase with age and changing lifestyle and buying a new plan later will be difficult and costly.
Why Digit is the Best Health Insurance Option for Everyone?
Why You Must Buy Health Insurance Online?
Buying health insurance online offers a faster, more transparent and cost-effective way to secure your health coverage. Here are some reasons why you must consider getting health insurance online:
Buying health insurance online is a quick process and can be done within a couple of minutes. It’s a fully digital, fast and hassle-free experience.
With all the information on your fingertips, you can easily evaluate and compare health insurance plans from the comfort of your home and make a sound decision.
It could save you some bucks on your health insurance premiums, as the plans come with discounts and there are no middlemen involved.
Many insurers issue e-policy documents instantly after payment and verification. Hence, you won’t have to wait for the courier to deliver the policy.
Most insurers also offer wellness services that can be accessed through their mobile app. These include exclusive benefits like home healthcare, teleconsultations, yoga and mindfulness.
With online platforms and apps, the policy renewals, claims and updates are easy to track without any paperwork.
What are the Tips to Compare Health Insurance Plans?
Comparing health insurance plans may seem a tiring task, but focusing on the right factors can make it easier. Here are the top tips to compare health insurance plans that offer the best coverage and protection.
- Compare Coverage: The primary purpose of health insurance is to provide maximum coverage for healthcare expenses. Therefore, always compare the kind of coverage and sum insured you will receive.
- Check Inclusions and Exclusions: Review what is covered and not covered in your plan. Read the policy document to know about maternity, dental, daycare procedure, mental health and PED coverage.
- Evaluate Waiting Period: Compare waiting periods for PED, maternity and specific diseases. The shorter the waiting period, the better the plan.
- Network Hospitals: Every health insurance provider has a network of hospitals you can visit and avail cashless claims from during times of need. Compare the range of hospitals available through your Insurance provider and choose one that suits you best.
- Type of Claims: There are generally two types of claims in a health Insurance plan; Cashless and Reimbursement. In times of need, Cashless Claims prove to be a lot easier and beneficial. Therefore, compare health Insurance plans to see if they provide you the benefit of cashless claims or not, and to what extent.
- Health Insurance Premium: This goes without saying, doesn’t it? This is something you’ll probably do. However, make sure your premium is relevant to the health Insurance plan you choose. Don’t blindly get lured into cheap premiums, but always compare the coverage details against the premium and make a sound decision accordingly.
Documents Required to Buy a Health Insurance Online
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Health Insurance Premium Chart
Your health insurance premiums depend on several factors, including your age, lifestyle, location, and the type of coverage you select.
To know your premium in minutes, you can always use a health insurance premium calculator online to get quick and accurate estimates. However, let's examine how health insurance premiums vary at Digit based on healthcare costs across different cities, categorised into two zones.
Zone 1 - Delhi NCR, Greater Hyderabad, and Greater Mumbai.
Zone 2 - Rest of India.
Health Insurance Premium for Different Sum Insured Options
Let's look at a practical example to understand how the premium works for one of our most popular health insurance plans, the 'Infinity Wallet Plan.'
Pritesh, a 35-year-old unmarried individual residing in Bangalore (Zone 2 city), has opted for the 'Infinity Wallet Plan' with a sum insured of ₹10 lakhs.
Health Insurance Premiums for ₹10 Lakhs Sum Insured by Age Group
This table illustrates the starting premium amounts for a ₹10 lakhs sum insured under our Infinity Wallet Plan, varying by age group. The premium increases with age, reflecting the higher risk and potential medical costs associated with older age brackets.
Why Buying Health Insurance from Digit is Better Choice Than Others?
99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25
When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.
Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.
Complementary Wellness Benefits for Digit’s Health Insurance Customers
With your Digit Health Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself easier and more affordable:
Get expert medical advice anytime, anywhere.
Consult the best and most trusted therapists at affordable rates, with up to 50% off.
Stay ahead of health concerns with affordable screenings and lab tests.
Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!
Pregnancy Care Programs access to Mum Support Group, PCOS/PCOD Care Programs, Maternity Support, etc.
Stress and Pain relief covered with exclusive discounts on Physiotherapy consultation and session bookings.
Avail unlimited, free dental consultations and exclusive discounts on dental treatments.
Get flat 15% discount on Sexual Wellness Programs!
Personalised assistance for long-term health conditions.
Digit Health Insurance Featured in Headlines
Know what Nikhil Kamdar from Digit Insurance has to say about Maternity Coverage Health Insurance
- 17 Jan 2025
- Business Today
According to Akanksha Jain from Digit Insurance, what are the important steps to check while buying Health Insurance
- 17 Apr 2025
- India TV News
Why is health insurance denied based on BMI, explained by Vivek Chaturvedi from Digit Insurance
- 17 Apr 2024
- Business Standard
Know What Digit Chairman Kamesh Goyal has to say about fixing renewal premiums
- 25 Feb 2024
- Moneycontrol
How to Add or Remove Members from the Health Insurance Policy?
To add or remove members from your Digit Health Insurance policy, follow these steps:
- Contact Customer Support: Reach out to our customer support via the helpline or email to inform them about adding or removing a member.
- Submit Required Details: Provide necessary documents such as identity proof, relationship proof, and medical history of the member to be added or details like policy number and other information for the member to be removed.
- Fill Out Form and Pay for Member Addition: Complete the member addition form if applicable and pay the additional premium for the new member. Once processed, you will receive a confirmation.
Once processed, you will receive a confirmation.
Digit's Cashless Network Hospitals
List of 9000+ Network Hospitals >How Does a Cashless Health Insurance Claim Work?
A cashless health insurance claim means the insurer directly settles your hospital bill with the hospital and you don't have to pay it upfront except for non-covered items. Here is how the cashless health insurance process works:
Visit a Network Hospital
Choose a hospital partnered with Digit.
Show Insurance Details
Present your health e-card or policy number and request approval.
Receive Treatment
Get treated without paying anything upfront (except deductibles).
Insurer Pays Directly
Digit will settle the bill directly with the hospital.
Pay Non-Covered Costs
You must pay any exclusions or extra charges.
How Does a Reimbursement Health Insurance Claim Work?
A reimbursement claim is when you first pay your hospital bills out of your own pocket and later get the amount refunded by your insurance company. This usually happens when you get treated at a non-network hospital or in situations where cashless isn’t possible. Here is how the reimbursement health insurance process works:
Get Treated at Any Hospital
Choose any hospital (network or non-network) for treatment.
Pay the Bills Yourself
Settle all the medical expenses upfront from your pocket and keep the bills.
Submit a Claim to the Insurer
Fill out the claim form and send it with the required documents.
Insurer Reviews the Claim
The insurer will verify the documents and approve the claim.
Reimbursement Process
Once approved, the insurer transfers the amount to your bank account.
Documents Required to File a Health Insurance Claim
When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Below is a list of essential documents that may be required while filing a health insurance claim at Digit:
How to Avoid Health Insurance Claim Rejections?
Receiving a claim rejection can be frustrating, especially when you thought you had everything in order. Well, Digit Transparency Report for FY 2024-25 shortlisted some common and completely unavoidable reasons why your health claims get rejected and how to avoid them:
- Medical Information Disclosure: Be transparent about your medical history. Disclose any existing illnesses or conditions, even those you’ve recovered from. Non-disclosure can lead to claim rejection.
- Know What’s Not Covered: Before finalising your health insurance plan, look for the policy’s exclusions and limitations. Take the time to thoroughly read your insurance policy documents. Being aware helps prevent surprises during the claim settlement process.
- Incorrect Information Shared: Whether intentional or a genuine mistake, wrong details on forms or reports can raise red flags, leading to rejection of your health claim.
- Policy Coverage: Not everything is covered. For example, cosmetic surgeries or weight loss surgeries are excluded from some health insurance policies. Hence, it is always recommended to read your policy document thoroughly before purchasing.
- Waiting Period Not Over: Especially in health insurance, some conditions have a waiting period before claims can be made. According to Digit’s Transparency Report, around 8% of health claims were rejected mainly due to waiting periods.
Digit’s Health Insurance Claim Numbers for FY 2024-25
75% of Cashless Health Claims Approved in Just 30 Minutes at Digit
When you're in a hospital bed, the last thing you want is paperwork stress. That’s where cashless claim approval swoops in like a superhero. 🤩
At Digit, in the second half of FY 2024 - 2025, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.
Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.
65% Cashless Discharge Approved in Just 60 Minutes at Digit
At Digit, in the second half of FY 2024-25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.
While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.
Almost 70% of Reimbursement Claims Settled in Just 2 Days
Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2024-25 was just 2.43 days.
Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.
1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25
At the heart of smooth insurance experiences lies something you never see!! 😁
At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY 2024-25 alone, they registered over 1.1 lakh claims, cutting down processing time.
No breaks and no delays. Fewer forms and faster care! ☺️
Notes: 1. Claims Settlement Ratio = (Claims Paid + Claims Closed)/(Claims outstanding at the beginning of the year + Claims Reported - Claims outstanding at the end of the year). 2. Reinsurance and coinsurance inward claims are not included.
Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY 2024-25
The data below is for all the products as given in the table below:
9.16 Lakh Claims Settled
Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.
Because when life takes a sudden turn, your insurance should move forward, not hold you back.
₹4,622 Crore Paid in Claims
At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.
Quick settlements, zero confusion, and absolute peace of mind.
99.9950% Claims Accuracy
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Health Claims, out of 256 escalated claims for Digit, just 110 were health-related (including travel and personal accident). By year-end, 86 health claims were closed, with 21 resolved through mediation. Only 18 health claim decisions went in favour of customers.
Ombudsman Complaints for FY 2024-25
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Interesting Claim Stories about Digit Health Insurance
Highest Health Claim of ₹16.77 Lakh Settled by Digit in FY 2024-25
A Bengaluru customer faced a serious and complex medical condition, leading to a treatment bill running into lakhs. Digit settled its highest health insurance claim in FY 2024-25, amounting to approximately ₹16.77 lakh.
What mattered more was how quickly and transparently we stepped in. From the initial notification to the final settlement, the entire claim was handled with empathy, clarity, and minimal stress.
At Digit, it’s not the size of the bill that moves us; it’s the trust behind every claim we settle. 🙂
Over ₹27 Crore Settled for Pre and Post-Hospitalisation Expenses in FY 2024-25
At Digit, we believe health insurance is more than just hospital bills. This year, a patient undergoing treatment for malignancy received coverage not only for their hospitalisation but also for over 10 pre and post-hospitalisation visits, with a total payout exceeding ₹1.4 lakh. This reflects our commitment to supporting patients through every step of their recovery journey.
In fact, Digit paid out more than ₹27 crore this year alone towards pre and post-hospitalisation expenses, proving that genuine care extends before and after hospitalisation as well.
This is what we mean when we say insurance that supports the full journey, not just the hospital stay. 🙂
7,747 Babies Covered Under Their Parents' Policies in FY 2024-25
In FY 2024-25, Digit proudly covered around 7,747 babies under their parents’ policies, protecting the newest generation with the same care and commitment as every policyholder.
Among these little ones, the most popular baby names were Shivansh and Fatima, reflecting the diverse families Digit supports across India. 🙂
This wouldn’t be possible without Digit’s flexible family health plans, which automatically extend coverage to newborns, making it easy for parents to safeguard their little ones from day one.
Understand Complex Health Insurance Concepts in Minutes with Digit
How Much Tax Benefit Can You Get on Health Insurance Under 80D?
The table below lists the section 80D tax benefits related to health insurance. It shows the maximum tax deductions for self, spouse, dependent children, and parents.
Debunking Popular Myths about Health Insurance Policy
When it comes to health insurance, there's no shortage of myths, like “young people don’t need it” or “all illnesses are covered from day one.” These common misconceptions can keep you from making smart, timely decisions. Hence, here are some popular health insurance myths and the facts that everyone should know before buying a policy:
Many people are under the impression that health Insurance plans cover only serious and critical illnesses. However, that’s not true! A Health Insurance plan covers regular illnesses, accidents, psychiatric support, child delivery and also basic annual health checkups!
Contrary to popular belief, no matter how old you are, you can be prone to illnesses both big and small. Especially in the times we live in today, more and more young people are being diagnosed with health conditions like PCOS, cancer and lung diseases due to our climate change-driven lifestyles and unhealthy eating habits.
This depends on the type of health insurance plan you have and your Insurance provider. Thanks to technology, the best health Insurance plans are now quicker and hassle-free.
We’re so optimistic sometimes, aren’t we? While our savings can help us in time of need, the limit of the same can never be foreseen. The best health Insurance on the other hand, is a dedicated investment you make solely towards your health so you don’t need to shell out your savings or face any financial pressure in the future!
One of the most common misconceptions about health insurance is that the least expensive plan is the best choice. You cannot obtain coverage solely based on the cost of the plan. You must evaluate your requirements and health needs to choose the right health insurance. Although it shouldn't be the least expensive choice, your ideal plan should be reasonably priced.
In the belief that doing so will guarantee coverage, many people hide their diseases from insurance companies. However, when buying a policy, people are expected to declare any pre-existing diseases to insurance carriers. If an unreported pre-existing condition is later found during a claim, the insurance company may refuse coverage.
Common Health Insurance Terminologies Simplified
The amount of time you need to wait before you can start using any benefits of your health insurance policy.
A copayment means that you and your insurer will split the bill, i.e., while your insurer will pay a large share of the bill, some part of it will have to be paid by you.
Sum Insured in Health Insurance is the maximum amount your health insurer will be able to cover for you in one year.
When one needs to be admitted to the hospital for a treatment or operation that lasts less than 24 hours, these procedures are referred to as daycare procedures in health insurance.
Medical bills go beyond what you need to pay for your stay in the hospital. Medical expenses incurred before hospitalisation are called pre-hospitalisation expenses. For eg: Expenses due to diagnostic tests.
When you don’t make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called a cumulative bonus.
Some health insurance plans require you to pay out of your pocket before they can cover you. This amount is referred to as a deductible in health insurance. This amount is typically determined by you when purchasing your health insurance policy.
Any disease or health condition that you have already shown symptoms of or received treatment for before buying a health insurance policy is known as a Pre-existing disease.
When you’re not satisfied with your current health insurer and want to switch without losing out on waiting periods, this process is known as portability in health insurance.
Read More about Health Insurance Tips
Invest in Your Health: Scenarios that Show the Importance of Health Coverage
Health insurance is a significant investment that provides financial security in the event of a medical emergency. Consider the following scenarios where you may want to reconsider not having health insurance:
1. My Employer is Taking Care of my Health Insurance; I do Not Need One
While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations, such as a lower sum insured or coverage that may not meet your needs adequately.
Additionally, an employer's health insurance coverage typically extends only during your tenure with the company. Once you switch jobs and if there is a break between the next employer's coverage, you are left without any insurance coverage in that period.
2. My 5 lac Sum Insured is Sufficient to Cover Even Serious Illnesses if Such a Day Arrives.
You might have health insurance, but with a low sum insured. A low sum insured may not be sufficient to cover medical expenses in the event of serious illness-related hospitalisations. It is essential to review your health insurance policy and consider increasing the sum insured to meet your specific needs.
3. I am a Government Employee, Have Coverage for the Entire Family Under the Government Scheme, and I Don't Need an Extra Personal Health Cover
As a government employee, you may have health coverage under certain government health schemes; however, please note that such facilities are available only at a few select medical centres, generally concentrated in major metropolitan cities. Hence, it is recommended to have an additional personal health insurance policy to cover emergencies when government facilities may not be readily accessible.
4. I Just Needed a Basic Health Insurance Policy, So I Purchased One with a Low Premium and Limited Coverage. I feel it's Just Fine.
You may opt for a lower-premium health insurance policy with limited coverage. While this may save money in the short term, it may not provide adequate coverage when needed. It is essential to strike a balance between premium and coverage, choosing a policy that offers sufficient coverage for your needs.
5. I Have Saved Enough Tax Under Different Sections of IT and Hence, I Don't Need Health Insurance for Saving Tax.
While health insurance can save additional taxes under Section 80D of the Income Tax Act, it should not be viewed only as a tax-saving tool. The primary function of Health insurance is to provide financial security and peace of mind in case of medical emergencies.
6. I am Young, Fit, and Fine. I do Not Need a Health Insurance Plan
While you may be young and healthy now, medical emergencies can occur unexpectedly. Having health insurance can provide financial security and help you cover the cost of medical treatments and hospitalisation. Also, investing in health insurance at a young age can help you secure a lower premium and accumulate cumulative bonuses over time.
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FAQs about Health Insurance Policy
What is the best Health Insurance Plan in 2025?
Determining the "best" health insurance plan in 2025 is subjective and depends heavily on individual needs and circumstances. Factors like age, family size, medical history, budget, and desired coverage play a crucial role in selecting the right plan.
Digit's Infinity Wallet plan is generally considered one of Digit's top-tier health insurance plans. Its unique features like unlimited backup sum insured, comprehensive coverage and user-friendly claim process make it a strong contender for the title of "best health insurance plan".
What’s unique about Health Insurance by Digit?
Apart from being online and digital friendly; Digit’s Health Insurance plan offers unique benefits such as customisations, complimentary annual health check-ups, no restriction on room rent, daily hospital cash allowance, psychiatric support included, and so much more that ensures quality healthcare for both you and your family.
Is a medical test mandatory to buy a health insurance policy?
No, a medical test is not mandatory for purchasing a health insurance policy with Digit. However, this can vary depending on factors like your age, the sum insured, and your medical history. It’s always a good idea to check the specific requirements for the policy you’re interested in.
What is the difference between a life Insurance and a health insurance?
Life Insurance is a long-term policy that helps pay out the claim amount to the insured person’s family after death. One of the most popular and affordable types of life insurance is term insurance, which provides coverage for a specific period and ensures financial security for your loved ones in case of an untimely demise.
Whereas health insurance is to help pay for healthcare and medical expenses of the insured, that can occur due to illnesses, diseases, and accidents.
How can I renew my Digit Insurance Policy?
Follow these simple steps to renew your Digit Health Insurance hassle-free:
- Visit the Digit website or app, log in using your registered mobile number and navigate to the ‘My Policies’ section.
- Choose the health insurance policy that needs renewal and review your policy details. Modify if required.
- Proceed to pay the renewal premium securely online via UPI, net banking, credit/debit card, etc.
- Once payment is successful, you will receive a renewal confirmation and updated policy details via email and WhatsApp.
Will my Digit Health Insurance Policy be valid pan India?
Yes, Digit’s health insurance policy is valid pan India.
What is meant by Donor Expenses?
All the hospitalisation expenses incurred by the donor during an organ transplant are included under donor expenses.
Should I buy Personal Health Insurance even if I have the corporate health insurance by my employer?
Yes. It's always advisable to have a personal health insurance cover in addition to the regular corporate plan offered by your employer so that in situations like job switch or job loss, you don't lose your health cover.
How can I buy health insurance plans for family?
You can buy Digit Health Insurance plan for your family in two ways:
- Online: Visit the Digit website and explore the family health insurance plans. You can compare plans, get quotes, and purchase a policy directly.
- Call Us: Contact Digit's customer care team to discuss your family's needs and get personalised recommendations for the plans.
What are the elements of an insurance policy?
Every Insurance policy has five parts: declarations, insuring agreements, definitions, exclusions and conditions. Many policies contain a sixth part: endorsements. These sections can be used as guideposts in reviewing the policies. Examine each part to identify its key provisions and requirements.
Do I need to prove my Zone of Residence at any point to avail the Zone based discount?
No, you don't need to submit any proof for availing the Zone based discount in your premium. However, during the time of claim, you will be required to give us address proof confirming that you are in zone B, and then no Co Payment will be charged. However, in case you fail to submit the required proof, you'll have to pay 10% copayment.
What are the tax benefits of health insurance in India in 2025?
For you and your dependent family, you can claim a Tax Deduction up to ₹25000/- on the health insurance premium paid. If any family member is above 60 years, this limit of deduction is up to ₹50000/-.
What documents do I require while making a health insurance claim?
This would primarily depend on the kind of claim you make. In the case of a Cashless Claim, all you need to do is a fill the required form given by the TPA at the hospital; whereas in the case of a Reimbursement, you will be required to upload/submit your invoices viz. bills, treatment documents etc.
Can I get admitted in a non-network hospital?
Yes, you can. However, in this case, you'll have to claim Reimbursement as Cashless Claims are available at our network hospitals only.
Who should I call at the time of emergency hospitalisation?
We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-258-4242 and we’ll sort things out for you.
Can any health insurance claim be rejected or refused?
Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example, If you claim for a pre-existing disease-related treatment before completing the waiting period in health insurance, your claim may be rejected.
What are pre-existing diseases or conditions?
A pre-existing disease in health insurance is any ailment you were suffering from, and diagnosed with, 3 years (or less) before you bought your insurance policy. PEDs can range from serious medical conditions like cancer or diabetes, to ailments like blood pressure or allergies.
Can I start using my health insurance policy from day one?
No, there is an initial waiting period of 30-days. However, in case of any accidental hospitalisation related claims, there is no initial waiting period, and your policy can be used at any time post purchasing your policy.
What is a free-look period in health insurance?
A free-look period is a certain period given to the insured by the insurer to assess whether the policy aligns with the insured’s expectations. The free look period typically lasts for 30 days.
If you find any clauses or conditions that don’t meet your requirements, you can choose to return the policy within this free-look period.
Can I still claim if hospitalisation is less than 24-hours?
Yes, you can if it is a day-care procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.
What is the IRDAI specified time limit for settlement of claim by the Insurance company?
As per the IRDAI Regulation, the Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of the last necessary document.
- In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of the last necessary document to the date of payment of the claim at a rate 2% above the bank rate.
- However, where the circumstances of a claim warrant an investigation in the opinion of the company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the company shall settle or reject the claim within 45 days from the date of receipt of the last necessary document.
- In case of delay beyond the stipulated 45 days, the company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of the last necessary document to the date of payment of claim.
“Bank rate” shall mean the rate fixed by the Reserve Bank of India (RBI) at the beginning of the financial year in which claim has fallen due.
Is 2 lakh health insurance enough?
Whether 2 lakh sum insured is enough depends on several factors like your family's age, medical history, and the city you live in. Medical costs can be high, particularly in metro cities.
Digit offers plans with sum insured options ranging from 5 lakh to 1 crore. Consider your financial situation and potential healthcare needs when choosing the sum insured.
What is the time limit for filing health insurance claims?
This limit differs across different Insurance providers. At Digit, we must be intimated within 7 days of discharge and subsequently claims must be filed within 30 days from discharge.
Can I claim my health insurance multiple times a year?
There is no limit on the number of claims you can make on your health insurance. However, the total claim value must be within your total sum insured.
Do we get money back in health insurance if we don't claim?
No. The premium paid towards health insurance covers your medical risk for the agreed term. It is, hence, not refundable.
Do I need to compulsorily buy health insurance at an early stage?
No, it is not compulsory for you to buy a health insurance policy at an early stage. However, it’s recommended. When you’re young (between 18 and 25), your health risks are less. So buying it at an early age would allow you get a good sum insured at lower premiums.
What happens to my Sum Insured when I claim Health Insurance?
When you claim your health insurance, the Sum Insured gets reduced by the claim amount. Also, your Cumulative Bonus gets cancelled.
What is the best age to buy Health Insurance in 2025?
The answer is simple. The younger you are, the lower your starting and subsequent premiums. Also, if you are younger, you’ll easily pass the waiting period for various covers to be valid. Youngsters may not be financially secure, and hospitalisation and other medical expenses could be hard to meet.
Hence, it's advantageous to take health insurance early in life. As soon as you start earning.
Can I have more than one health insurance policy?
Yes, you can have more than one health insurance policy! Having multiple health insurance policies can offer broader coverage by filling in gaps in your primary plan, potentially lowering your out-of-pocket costs with overlapping benefits, and granting you access to a wider network of providers for more choice in your care.
Can an NRI take health insurance in India?
Yes, an NRI can buy health insurance in India. The coverage can be used for treatments in India. However, the terms and conditions depend on your Insurance provider.
Additionally, it is also recommended to buy health insurance policy for NRI’s parents living in India.
What if I have an existing health insurance plan and I want to increase its coverage?
You can increase the coverage definitely, but it can't be done mid-year. You can only do that while renewing, which also depends on your insurance provider.
I have been recently diagnosed with Diabetes. I had purchased health insurance last month. Will I be allowed medical coverage for the same?
As per the IRDAI, a pre-existing disease refers to any condition, ailment, injury or disease that has been diagnosed up to 48 months before buying your health insurance policy. So in this case, the disease like diabetes be treated as pre existing and hence will be covered as per the pre-existing condition rules of your Insurance provider.
Will my health coverage begin from Day 1 of buying the Health Insurance?
No. Most of the health insurance policies come with an initial waiting period before your policy starts covering you. This is usually 30 days. Further, there is waiting period for pre existing and specific illnesses that should be completed before your coverage starts.
What happens if I miss paying my renewal premium on time?
Oh no! If you miss paying your renewal premium on time, even after the expiry of Grace Period, your health insurance policy will expire, and you’ll have to start the process of buying a new health insurance policy all over again! Which, in turn, means that you lose all your accumulated benefits like Waiting Period, Cumulative Bonus etc. and need to start all over again.
Can I avail Health Insurance plan if I am not an Indian national but live in India?
Yes, non-resident Indians living abroad or residing in India are eligible to purchase health insurance in India, just like Indian residents. The key point to remember is that a health policy purchased in India typically covers medical expenses incurred within India.
What is the tenure of Grace Period in Health Insurance?
The tenure of the grace period in health insurance varies between 1-30 days, but it can differ from insurer to insurer.
Does Digit Health Insurance provide an option of Portability?
Yes, Digit health insurance provides an option to port your policy.
When can I apply for portability?
You can apply to port your health insurance at least 45 days before the policy renewal date of the current policy.
How to add my family members to my existing medical policy?
You can contact Digit's customer care to inquire about upgrading to a family floater plan that would cover your entire family under a single sum insured.
Will my benefits like Cumulative Bonus or Waiting Period be affected when I port?
No, the benefit of porting is that even though you shift to a new health insurance, your waiting period is not nullified, i.e., you need not start your waiting period right from the start. Also, the benefits like NCB are carried forward to the new insurer.
Instead of Porting, can I just change my plan with my current health insurance provider?
Yes, you can. Generally, plan and coverage changes can be done with your existing health insurance provider at the time of your health insurance renewal. However, any change in your policy can be done depending on your Insurance provider.
My wife and children reside in Mysore while I live in Bangalore. Can I cover all of us in one policy?
Yes, you can protect your whole family with just one policy. This policy works everywhere in India. It’s important to find out ‘network hospitals’ nearby that work directly with your insurance company, both near your home and where your family lives.
Do I need to declare about any changes in the health status of existing members?
Yes, you should let your insurer know about the changes. Medical reports are required if any existing members have been diagnosed with new conditions since the last policy term.