Cashless Health Insurance Online in India

Choose from Digit’s 5900+ 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 Digit’s Cashless Health Insurance?

  • Easy Online Processes - From the process of buying a cashless health insurance to making claims is simple, quick and hassle-free!
  • Additional Sum Insured Available - Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost!
  • Covers Pandemics - The COVID-19 is growing multifold in India and we understand the risks it can pose to you and your family. Despite being a pandemic, the coronavirus is covered in our cashless health insurance.
  • No Age Based Copayment - Our cashless medical insurance comes with no age based copayment. This means, during your cashless claims- you need not pay anything from your pocket.
  • No Room Rent Restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent capping. You can choose any hospital room you prefer. 
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! Get yearly cumulative bonus for claim-free years! 

What’s covered in a Cashless Health Insurance by Digit?

Digit's Cashless Network Hospitals List

Looking for health insurance?
Get a Quote

Digit's Cashless Network Hospitals List

Looking for health insurance?
Get a Quote

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