Buy Health Insurance in Bangalore
Bengaluru, or Bangalore as it is more commonly known, is a city brimming with employment opportunities, especially for people engaged in global information technology. Some refer to it as the Silicon Valley of India. With a population of more than 1 crore, Karnataka’s capital city is the third most populous city in all of India. (1)
However, due to its crowded nature and pollution levels, Bangalore residents face a range of health risks almost daily. According to a report, the volume of untreated sewage mixed with waste products is slowly reducing the city’s reserve of clean, usable water. The report even predicts that the place will be uninhabitable by 2025. (2)
Therefore, one of the first things that you need is quality health insurance in Bangalore if you are planning to shift to this city soon. While the need for such a policy is downplayed at times, it can save considerable expenses in case of hospitalisation.
What's great about Health Insurance in Bangalore 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 10500+ 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?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement 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. .
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!
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.
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.
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
Pre/Post Hospitalization
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
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.
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.
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.
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.
What’s not Covered?
Pre-natal and post-natal medical expenses, unless it leads to hospitalization.
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
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 1800-258-4242 or email us at healthclaims@godigit.com 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.
Things to know when buying a Health Insurance in Bangalore
Which Health Insurance Zone does Bangalore Lie in?
Before availing a health insurance policy, you must first understand the associated cost of healthcare in Bangalore. Insurance providers classify cities into three groups, Zone A, Zone B and Zone C, based on the treatment costs.
Zone A cities are the costliest, while Zone C cities offer affordable healthcare. Bangalore is generally classified as a Zone B city.At Digit, we have two zones: Zone A (Greater Hyderabad, Delhi NCR, Greater Mumbai) and Zone B (Rest of India). You get an additional discount on premium if you are based in Zone B. Not just that, we have No zone-based co-payment.
Why is Health Insurance vital in Bangalore?
According to an alarming report from 2019, Karnataka witnessed more than 2.2 lakh road accidents in the last five years. Around 54000 people were fatally wounded in these accidents.
Therefore, Bangalore traffic and road conditions are not safe, especially if you drive your own vehicle.
Besides accidents, a host of other diseases plague residents, leaving them in need of treatment at private hospitals. If one decides not to buy health insurance in Bangalore, he/she will likely suffer from tremendous financial losses in the event of illnesses or accidents.
Know more about - Corporate Health Insurance
Which insurance policy is best for Bangalore residents?
Insurance companies offer a diverse offering of health insurance policies, each catering to a particular segment of people.
For instance, those staying with family members can avail a family health insurance Bangalore to cover all members with just one plan.
Those staying alone, on the other hand, can choose from individual health insurance policies. Choose the policy that fits your needs perfectly after careful consideration.
Know more about Best Health Insurance Policy in India
Benefits of Purchasing Health Insurance in Bangalore
If you are about to opt for a health insurance policy in Bangalore, you can expect the following benefits from the same:
- Hospitalisation Benefits – Are exorbitant hospitalisation rates in reputed private hospitals preventing you from seeking the best treatment? Do not fret as a health insurance policy covers your financial liability related to hospitalisation for treatment of accidental injuries and illnesses.
- Critical Illness Benefit – When diagnosed with a critical illness, such as cancer or heart disease, you can claim hospitalisation expenses related to the condition in question.
- Ability to Save Money – If you do not claim under your health insurance policy for an entire year, you can enjoy cumulative bonus benefits under it. This benefit translates to an increased sum insured under your health insurance policy upon renewal, without the need to pay any additional amount.
- Tax Benefits – Under Section 80D of the ITA, health insurance policyholders can claim yearly tax benefits on their premium payments.
- Annual Health Check-Ups – Such an insurance policy may allow you to undergo free check-ups every year. These check-ups can diagnose underlying problems, ensuring speedy treatment.
Moreover, as per fresh IRDAI guidelines, all insurance providers must also cover hospitalization expenses arising from Covid-19 treatment.
Disclaimer: Check the terms and conditions of your insurance policy thoroughly. The exact terms tend to differ from one insurer to the next.
Thus, it is important for Bangalore residents to invest in a reliable health insurance policy. It can prevent unplanned medical expenses from ruining your personal finance.