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  1. Digit Insurance
  2. Digit Health Insurance
  3. Best Health Insurance Policy in India
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Buy Health Insurance, Up to 20% Discount

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9000+

Cashless Hospitals

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99% Claim

Settlement Ratio

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4.5 Lacs+

Claims Settled

0% GST on Health Premiums

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Best Health Insurance Policy Online in India in 2025

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 has ultimately led to an increase in the number of people opting for the best health insurance plan in India. 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 infertility treatment, a daycare procedure, or just want to run your basic annual medical checkups, health insurance today covers a variety of such benefits. 😲

Table of Contents

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What is the Health Insurance Policy?

If you are looking for the best health insurance policy in India, you must know what a health insurance policy means. So basically, health insurance is the safety net which provides you with financial protection during medical emergencies. 

It is essential for everyone, despite the widespread belief that it is just for the old or those with health issues. The finest health insurance policy provides comfort throughout hospital stays by covering your medical expenses.

Why Should You Choose the Best Health Insurance Plan in India?

A health insurance plan is necessary as it provides comprehensive coverage for a range of medical needs. It supports you when you need it the most. Here are some reasons why you should buy the best health insurance plan in India

Health insurance
  • The best health insurance plan will help protect you from unfortunate health conditions while giving you financial security at the same time. 
  • The best health insurance plan will ensure that your health is given the utmost importance by providing benefits and services that are meaningful for your health and well-being.
  • The best health insurance plan will ensure your claims are processed with ease, so you have little to follow up and worry about! 
  • Many health insurance policies allow cashless hospitalization, which eliminates the need for a down payment when receiving care at a network hospital. The insurance company will pay the bill after the hospital notifies them.

Why is Digit’s Health Insurance One of the Best in India?

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

Don't believe us? 🤔 Well, here is a comparison of the Health Insurance Policy offered by Digit vs the Industry Average policy. 

Important Features Digit Health Insurance Policy Industry Average Policy
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 9000+ Cashless Hospitals Across India Differs Across Different Insurers
Sum Insured Refilling Get your sum insured refilled on full exhaustion of it during the policy period at no extra cost Not commonly offered or available at extra cost
Wellness Benefits Avail a range of discounts and benefits on health and fitness services from 10+ top-rated health and wellness partners. Limited wellness benefits, often with fewer incentives
Organ Donor Expenses Covers expenses related to organ donation May not cover or offer limited coverage for organ donor expenses

A Guide to Choose the Right Health Insurance Plan

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How to Choose the Best Coverage for Your Health Insurance Plan?

You might have understood by now that investing in health insurance is a fundamental necessity for all individuals. 

However, one should start from scratch to figure out how it occurs. With so many possibilities for plans, you want to make sure that the one you choose will provide enough coverage for your specific needs? Well, here is how you can decide your coverage:

1. Consider Your Health and Age

Do you have any past medical conditions and are you in good health?

For example, a reduced coverage plan would be appropriate if you are young, healthy, and have less money to spend on your health insurance. However, you should ensure that the plan addresses any current problems you may have.

2. Your Family Size

Do you have a spouse or a child in your family? 

If so, you need to make sure that they are part of your plan as well. You can buy a family floater plan to cover each member of your family under one health insurance plan. 

3. Your Lifestyle Factors

Do you follow a sedentary lifestyle? 

A sedentary lifestyle results from a poor diet, lack of exercise, drinking and smoking, not getting proper rest, and stress. If this is your lifestyle, you may be eligible for a plan that covers high-risk activities.

4. Your Spending Limit

What is the appropriate amount to spend on health insurance premiums? 

The size of the network and the extent of coverage affect the premium costs. Based on your salary and other expenses, decide which one you can afford.

Key Benefits of Buying the Best Health Insurance Plan in India

A person benefits from health insurance in a number of ways. A comprehensive policy covers post and pre-treatment care in addition to hospitalization costs. 

In India, there are various benefits to purchasing the best health insurance according to your needs. It not only gives you financial protection but helps to live your life carefree without worrying about any bills & expenses.

 

Here are some benefits of buying health insurance online in India:

Simple to Purchase

You no longer have to go to the insurance office or wait in line to obtain an insurance policy. The majority of insurance firms in India now provide online services, allowing you to purchase, renew, and monitor the status of your claim.

Broad Coverage

Insurance firms are becoming more inclusive and incorporating all coverage categories into their policies daily. These integrated insurance plans offer coverage for the entire family under a single plan.

Easy Renewal

The IRDAI's modifications allow for an extension of the health insurance policy renewal age to offer coverage. If you forget to renew your health insurance policy on time, you can easily renew it with an extended grace period. 

Hospitalization Without Cash

Cashless options are one of the most important aspects of health insurance policies as you can receive the best care without paying a single Rupee. 

Cumulative Bonus

When you do not file a claim throughout a policy year, insurance providers will give you a cumulative bonus. While some insurance providers raise the sum assured, others provide a premium reduction on the policy.

Tax Advantages

You can receive tax benefit in health insurance under Section 80D of income tax if you have a health insurance plan. If you purchased insurance that covers you, your spouse, and your children, you can receive a maximum deduction of ₹25,000.

Things to Consider Before Buying the Best Health Insurance Policy in India

Healthcare in India is currently going through a 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. 

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:

 

1

Examine and Compare Plans

 

Investigate the various health insurance programs offered in India in depth. Examine their many features, including premiums, coverages, and other benefits. Websites and insurance aggregators will be useful in this situation.

2

Recognize Your Budget and Needs

 

Before choosing the best health insurance plan, it is important to consider your family's needs and your own health. Have you previously suffered from any chronic illnesses? Do you intend to become a parent soon? Take your budget into account as well. Consider and evaluate all these factors.

3

Evaluate Coverage Details 

 

A lot of people mistakenly compare health insurance premiums alone. However, it’s important to know that every health insurance comes with different coverage specifics. Therefore, it’s important that you compare and evaluate all covers available, including the finer details which will help you select the best medical insurance policy in India for you.

4

Cumulative Bonus 

 

A Cumulative Bonus, is an extra percentage of Sum Insured you get during renewal if you’ve never made a health insurance claim. Different insurance companies offer different Cumulative Bonuses. Therefore, compare your options and see what works for you best. 

 

5

Copayment and Deductible

 

A Copayment refers to the amount of money you need to pay from your pocket during a health insurance claim. Generally, many health insurance plans involve at least 10 to 20% of Copayment. However, some plans include Deductibles, which increase your expenses during the claim.

6

Recognize the Waiting Period

 

Keep in mind the medical insurance waiting period for certain treatments, pre-existing conditions and specific diseases. You have to wait till the waiting period to avail or claim for that particular treatment. So, if feasible, pick a policy with the least waiting period.

7

Verify the Claim Procedure

 

Learn about the claim procedure. It is crucial to have a stress-free and seamless claim process during a medical emergency. Some companies have long paperwork and multi-level approval, which usually delays the claim process. Look for a health insurance form with an easy claim procedure. 

8

Seek Out Riders and Add-ons

 

Certain insurance includes riders and add-ons to enhance coverage. These could include maternity benefits, critical illness coverage, or other options. Check and opt for the insurance company that provides riders with health insurance.

9

Examine Network Hospitals

 

Verify if the health insurance provider has reputable hospitals in your area. When the network is larger, standard healthcare services are easily accessible. You can easily opt for cashless claims at network hospitals. Check if the insurance companies have multiple network hospitals near your locations.

10

Examine Reviews

 

Last but not least, watch all the consumer reviews regarding the insurance company. Asking your friends, family and coworkers for suggestions is an additional method.

FAQs about Best Health Insurance Policy