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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
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 |
Copayment |
No Age or Zone Based Copayment |
Copayment Involved |
Room Rent Capping |
No Room Rent Capping |
Room Rent Restrictions |
Cumulative Bonus |
Yearly 50% Cumulative Bonus |
Differs Across Different Insurers |
Cashless Hospitals |
10500+ Cashless Hospitals Across India |
Differs Across Different Insurers |
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
Important Features
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, 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. .
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 hospitalizations 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.
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.
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 hospitalized.
This cover is for all expenses before and after hospitalization 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.
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization 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 hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized 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 hospitalization, 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.
Healthcare in India is currently going through tremendous transition. After all, health being one of the most crucial parts of our lives, the right kind of healthcare is almost necessary if not essential. The same goes for a health insurance. After all, it’s one of those things that helps safeguard our health and give us some peace of mind.
However, from so many growing options today, how do you really go about securing your health with the best health insurance policy in India? Here are some tips that could help.