How to find the Best Health Insurance Policy in India?

Digit Health Insurance covers Accidental, Illness & COVID-19 Hospitalization
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Why Choose Best Health Insurance Policy in India?

Healthcare is one of the main sectors in India going through so much transformation, and that comes as no surprise! Healthcare costs have been increasing twofold, while people too are increasingly becoming both health and money conscious.

This ultimately has led to an increase in people now opting for a health insurance. However, thanks to technology and the growth of the digital economy, health insurances are covering for health conditions and illnesses beyond just major and critical illnesses.

So, whether you need an infertility treatment, need to get a daycare procedure done or just want to run your basic, annual medical checkups, health insurances today cover for a variety of such benefits.

Therefore, it’s important to not only go for any health insurance but, choose the best health insurance policy that gives you all valuable benefits at an affordable premium; safeguarding both your health and wealth.


Important: Know more about what is covered in COVID 19 Health Insurance

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Health Insurance Statistics in India

Health costs
According to a report by the World Bank, India’s population spends more than 10%, and 3.9% of the population spends more than 25% of their income on health costs alone. 
No Health Insurance
The WHO states that India will see 1.16 million new cancer cases this year, with more than 50% in women.
Chronic obstructive pulmonary disease
Chronic obstructive pulmonary disease was the leading cause of death after heart disease in India.

Why should you go for the best Health Insurance plan in India?

  • The best health insurance plan is one that won’t only help safeguard your health and wealth, but will be simple to buy and claim for, and will give you benefits that are customized to suit you and your family comfortably.
  • The best health insurance plan will help protect you from unfortunate health conditions whilst giving you financial security at the same time.
  • The best health insurance plan will ensure your health is given utmost importance, by giving you benefits and services that are actually meaningful for your health and wellbeing. 
  • The best health insurance plan will ensure your claims are processed with ease, so you have little to follow up and worry about! 
  • Covers Pandemics - We know people are scared of Coronavirus which is why we cover it!

What makes a Health Insurance by Digit one of the Best Health Insurance Policies in India?

Apart from our simple online processes, what makes Digit one of the best health insurance policy in India is its unique and meaningful health insurance benefits, as compared to other health insurance players in the market. 

Health Insurance by Digit VS Industry Average

Important Features

Health Insurance by Digit

Industry Average

Buying & Claim Process

Simple Digital Processes

Not completely Digital

Critical Illness Benefit

Included in the plan, with an additional 25% Sum Insured

Offered as a separate cover and add-on with an additional cost


No Age Based Copayment

Copayment Involved

Room Rent Capping

No Room Rent Capping

Room Rent Restrictions

Refill Sum Insured Benefit

Once in a year for an unrelated illness

Once in a year for an unrelated illness

Cumulative Bonus

Yearly 20% Cumulative Bonus

Differs Across Different Insurers

Cashless Hospitals

6400+ Cashless Hospitals Across India

Differs Across Different Insurers

Maternity Benefit with Newborn Baby Cover

Present with Infertility Treatment Covered

Present but Infertility Treatments not Covered

What’s Covered in Health Insurance by Digit?



Comfort Pro


What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-5956 or email us at and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

How to choose the Best Health Insurance in India?

Health Insurance Simplified by Kids

FAQs about the Best Health Insurance Policy in India