9000+ Cashless Hospitals
Exclusive Wellness Benefits


Buy/Renew Health Insurance Policy Online in Chandigarh
Chandigarh, the capital of both Punjab and Haryana, is one of the first cities to be built post India's independence in 1947. The beautiful and urban design of the city is magnified by the cultural heritage of the people living there.
Chandigarh is also known as the healthiest city in India since residents enjoy better immune systems here than in other cities, such as Bangalore, Kolkata, Pune and more.
Nevertheless, pollution has taken a toll on Chandigarh residents, causing a range of health disorders, from cancers to chronic respiratory illnesses. Under such circumstances, owning health insurance in Chandigarh is an important prerequisite for affording treatment.
With the ever-increasing cost of healthcare, such a plan can minimise personal liabilities after an illness or accident strikes.
What's Great about Health Insurance in Chandigarh by Digit?
Key Benefits of Buying Health Insurance with Digit
Co-payment |
No |
Room Rent Capping |
No |
Cashless Hospitals |
9000+ Network Hospitals across India |
Inbuilt Personal Accident Cover |
Yes |
Wellness Benefits |
Available from 10+ Wellness Partners |
City Based Discount |
Up to 10% Discount |
Worldwide Coverage |
Yes* |
Good Health Discount |
Up to 5% Discount |
Consumables Cover |
Available as an Add-on |
Health Insurance Plans in Chandigarh
Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, 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 hospitalisations 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 hospitalised.
This cover is for all expenses before and after hospitalisation 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 1-3 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 the pre and post hospitalisation 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 hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised 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 hospitalisation, 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?
Health Insurance Add-on Options with Digit
Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:
Benefits of Purchasing Health Insurance Policy in Chandigarh
If you are still not convinced, go through some of the benefits of such a policy. Doing so will surely convince you of its importance:
- Hospitalisation Cover – The cost of hospital admission can be substantial today, especially if you choose a private healthcare facility. With an insurance policy in place, you do not have to bear the hospitalisation charges.
- Medical Check-Ups – Some diseases may spread out of control if they are not diagnosed on time. Insurance policies offer free health check-ups, which can lead to the detection of underlying diseases long before the symptoms appear.
- Cumulative Bonus – Policyholders who enjoy a claim-free term can earn a cumulative bonus from their insurers. This bonus increases your plan’s sum insured during policy renewal, ensuring enhanced coverage.
- Tax Discounts – You can claim income tax rebates under Section 80D of the ITA if you are currently paying health insurance premiums.
- Mental Peace – Health insurance in Chandigarh acts as a backup plan in the event of unforeseen medical emergencies. This, in turn, ensures complete peace of mind for the policyholder.
Today, all insurance companies are also obligated to provide Covid-19 coverage in their policies, as per the guidelines of the IRDAI.
Disclaimer: Health insurance policy characteristics can differ based on the plan you pick. You should read the terms and conditions to know more about the kind of coverage you are buying.
Chandigarh residents enjoy comparatively affordable healthcare facilities. Nevertheless, an insurance policy is still essential if you want to prevent your savings from drying up due to medical emergencies.
How to Buy/Renew a Health Insurance Policy Online?
Buying or renewing a health insurance policy online is now as easy as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy or renew a health insurance plan:
Visit Digit’s Website or App
Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.
Enter Basic Details
Share information like age, family members to be covered, and any medical history or pre-existing disease.
Choose Your Plan
Select your coverage amount and add any rider if needed. Proceed and fill in additional details.
Make Payment
Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.
Documents Required to Buy a Health Insurance Online
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Identity/Age Proof
Address Proof
Income Proof
Previous Medical Reports (If any)
KYC Documents
How to File & Track Health Insurance Claim with Digit?
Filing or tracking a health insurance claim with Digit is easy and convenient. If you are filing for a cashless claim, confirm that your hospital is on Digit’s network list. Inform Digit in time, submit the pre-authorisation form via the hospital, and enjoy cashless treatment! 🙂 Here are the steps to file and track a claim:
Get Treated & Save Everything
Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).
Open Digit App & File Claim
Log in to the Digit App. Navigate to the ‘File a Health Claim’ section on the app. Choose the policy & type of claim you are filing and other details.
Submit all the Documents
Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.
Register Claim & Relax
Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.
Documents Required to File a Health Insurance Claim
When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Below is a list of essential documents that may be required while filing a health insurance claim at Digit:
Hospitalisation Documents
Cashless Documents
KYC Documents
Digit's Cashless Network Hospitals
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Things to know when buying a Health Insurance in Chandigarh
Which Zone does Chandigarh belong in terms of Healthcare Expenses?
As you may know, health insurance companies divide Indian cities into three zones, based on the treatment costs at that location.
Chandigarh is mostly classified into Zone C, which indicates that healthcare tends to be reasonably priced here. Likewise, you can buy health insurance in Chandigarh at the best rates.
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.
I am healthy, I don’t need health insurance!
Well, you do need one in these situations.
When is Health Insurance Policy Vital in Chandigarh?
According to a November 2019 report, Chandigarh’s air quality index (AQI) is alarming, indicating severe levels of pollutants. It further stated that the AQI varied between 300 and 335 at that time (source). Additionally, road accidents are also a major concern to Chandigarh residents, highlighting the need for both health and car insurance to manage unexpected outcomes.
Quality health insurance in Chandigarh should provide the necessary financial assistance whenever you are admitted to a hospital.
Whether you suffer from a critical ailment or from other accidental injuries, claiming an insurance policy should make things significantly affordable for your pockets.
Selecting the Right Health Insurance for Chandigarh Residents
Not every Chandigarh resident will have the same requirements from their health insurance policies. Some may want policies offering greater coverage against critical illnesses, while others may desire an insurance plan that compensates pre and post-hospitalisation expenses.
Therefore, before you buy health insurance in Chandigarh, list out the factors that are essential for your insurance policy. Search a plan based on this list to ensure optimal support during medical emergencies.
List of Digit Insurance Offices in Chandigarh
Here is the list of office addresses in Chandigarh, as of August 18th, 2025: