General
Digit Health Insurance
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?
Health Insurance Plans in Chandigarh
Double Wallet Plan
Get 100% Sum Insured Backup from Day 1 with no Exhaustion Clause and coverage for both Related and Unrelated Illnesses. Ideal for people who are looking for an affordable health insurance.
Infinity Wallet Plan
Get Unlimited Sum Insured Backup from Day 1 with no Exhaustion Clause. Ideal for people wanting comprehensive coverage and additional benefits.
Worldwide Treatment Plan
Ideal for people who want to get the best treatment anywhere in the world. Also, get 100% Sum Insured Backup (for treatment only in India) with no Exhaustion Clause.
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalisation - due to Accident, Illness, Critical Illness or COVID
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.
✔
✔
✔
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
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%.
No 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 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.
✔
✔
✔
Worldwide Coverage
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
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 hospitalised.
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 Hospitalisation
This cover is for all expenses before and after hospitalisation 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 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.
1-3 Years
1-3 Years
1-3 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
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!
✔
✔
✔
Domiciliary Hospitalisation
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 hospitalisation for this treatment is for cosmetic reasons.
✔
✔
✔
Psychiatric Illness
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.
✔
✔
✔
Consumables Cover
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.
Available as an Add-On
Available as an Add-On
Available as an Add-On
What’s not Covered?
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 |
*Available only on Worldwide Treatment Plan
How to Buy Health Insurance in Chandigarh with Digit?
Step 1
On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices.’
Step 2
Next, select the family members you want to insure, add the age of the eldest member and click ‘Continue.’
Step 3
Choose your Sum Insured, Plan and Add-ons, and click ‘Continue.’
Step 4
Next, enter your and your family members’ complete details, and click ‘Pay Now.’
Step 5
Complete the payment and mandatory KYC verification process.
Step 6
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to Renew Your Health Insurance in Chandigarh with Digit?
Given the importance of a health insurance, it is highly imperative that our healthcare policy is always active because we never know when we might need it.  Hence, paying the health insurance premium on time is of utmost importance. 
With an absolutely simple and digitally friendly process at Digit, you can renew your health insurance in just a few simple steps:
Step 1: Visit the Renewals tab on our website or My Policy section in Digit App and login with your registered mobile number or your policy details.Â
Step 2: Click on the Renew Option for the Policy which is Pending for Renewal.
Step 3: Review the plan details, verify and click 'Pay Now.'
Step 4: Complete the payment and it's done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
OR
You receive regular communication from Digit to renew your health insurance policy a few days prior to the renewal. These communications come with a renewal link that you can use to directly make the payment and renew your policy.
How to File a Claim?
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.Â
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.Â
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.Â
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.Â