Cashless Health Insurance Online in India

Choose from Digit’s 16400+ Network Hospitals for your Cashless Treatment
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What is a Cashless Health Insurance?

How does a Cashless Health Insurance work?

Cashless Hospitals by Digit

Digit's Cashless Network Hospitals

What's great about a Cashless Health Insurance by Digit?

  • 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. Choose any hospital room you prefer. 
  • SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you. 
  • Get treated at any hospital - Choose from 16400+ of our network hospitals in India for a cashless treatment or opt for a reimbursement.
  • Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

What’s covered in our Health Insurance?


Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalization - due to Accident, Illness, Critical Illness or COVID

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.

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. .

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
Unlimited Reinstatement in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
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!

10% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
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 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.

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.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.
0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.
0.25% of SI up to ₹ 2,000 after every year.
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.

No Co-payment
No Co-payment
No Co-payment
Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalized.

1% of Base Sum Insured, Max up to ₹ 10,000.
1% of Base Sum Insured, Max up to ₹ 15,000.
1% of Base Sum Insured, Max up to ₹ 10,000.
Pre/Post Hospitalization

This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.

30/60 Days
60/180 Days
60/180 Days

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.

3 Years
3 Years
3 Years
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 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

2 Years
2 Years
2 Years
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.

₹ 50,000
₹ 1,00,000
₹ 1,00,000
Organ Donor Expenses
digit_special Digit Special

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!

Domiciliary Hospitalization

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 hospitalization for this treatment is for cosmetic reasons.

Psychiatric Illness

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.

Consumables Cover

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.

Available as an Add-On
Available as an Add-On
Available as an Add-On

Key benefits of Health Insurance by Digit



Room Rent Capping   


Cashless Hospitals  

16400+ Network Hospitals across India  

Inbuilt Personal Accident Cover 


Wellness Benefits

Available from 10+ Wellness Partners

City Based Discount  

Up to 10% Discount  

Worldwide Coverage 


Good Health Discount  

Up to 5% Discount  

Consumables Cover  

Available as an Add-on

*Available only on Worldwide Treatment Plan

What are the advantages of a Cashless Medical Insurance?

No upfront cash payments!

No upfront cash payments!

The biggest and most important advantage of a cashless health insurance is the fact that, during health insurance claims you need not pay from your pocket. Otherwise, you’d have to shell out the money from your pocket and wait for reimbursements to process weeks later! When you or a family member is already preoccupied with an illness or medical emergency, the last thing you should have to worry about is the money, and a cashless health insurance helps you with just that.

No uncertainty

No uncertainty

Since cashless health insurance claims require you to take an approval from before, this ensures that your claim is approved by your health insurer. However, in the case of reimbursement process – documents are only submitted post the treatment and bills are processed and there could be a possibility that the claim is not approved completely and hence there’s always the uncertainty whether you will receive the complete reimbursement or not. With a cashless health insurance claim, there’s no uncertainty involved.

Quick and hassle-free process!

Quick and hassle-free process!

While both cashless claims and reimbursement claims can be hassle free depending on the insurer and the processes involved, reimbursement claims in comparison do take slightly more time to get through. This is because unlike cashless claims, reimbursement claims are taken care of post whilst cashless claims are approved and taken care of right at the time of admission.

Difference between a Cashless claim and a Reimbursement claim?

As mentioned above, in a health insurance- there are two types of processes you can opt for during claims. A cashless claim or a reimbursement claim. Here’s a quick table to help you understand the key differences between the two!

Cashless Claim

Reimbursement Claim

What does it mean?

A cashless claim means your health insurer will take care of the bills, right from the start with the network hospital. You don’t need to pay any cash up front.

In a reimbursement claim, you will have to first make all payments for your hospital bill and post hospitalization, your medical documents will need to be submitted for your claim approval and reimbursement.

Do you need prior approvals for claims?

You need to get your claim approved beforehand. At least 72-hours before in case of a planned hospitalization, and within 24-hours in case of a medical emergency.

You don’t necessarily need to get your claim approved beforehand. However, it is recommended to check with your insurer if your treatment will be covered or not, just to be sure. The reimbursement process is initiated after your treatment. Typically, the timeline to get all the formalities done is between 2 to 4 weeks.

Is it applicable in all hospitals?

Cashless claims are only applicable with your insurer’s network hospitals.

Reimbursement claims can be done through any hospital. It doesn’t matter if it is part of a network hospital or not.

FAQs about Cashless Health Insurance in India