Digit Health Insurance
9000+ Cashless Hospitals
Up to 20% Discount
Buy Health Insurance Policy in Delhi Online & Get Up to 20% Off
Delhi is one of the most populated cities in India. Living in Delhi means having access to some of the best hospitals, doctors, and healthcare facilities in the country. But anyone who has experienced a medical emergency in the city also knows how quickly hospital bills can add up.
Whether it’s a sudden accident on Delhi’s busy roads, a seasonal illness like dengue or viral fever, or even planned treatments, the cost of care can put a strain on any family’s savings. That’s where having a good health insurance policy in Delhi makes all the difference.
Why Do You Need Health Insurance in Delhi?
Delhi has a high healthcare treatment cost, be it due to any illness, seasonal problems, lifestyle issues or accidents on busy roads. Health insurance provides financial protection, ensuring you and your family get timely, quality treatment without worrying about heavy medical bills.
Here are some key reasons why you should consider having a health insurance policy in Delhi:
Rising Healthcare Costs
Some leading hospitals in Ahmedabad provide advanced treatments, but the cost of hospitalisation has steadily increased in recent years. In urban regions, households spend an average of ₹7,711 annually on hospitalisation costs (1). Hence, having a health insurance policy ensures that you can access quality healthcare without draining your savings.
Climate-Linked Health Risks
Being one of the fastest-growing cities, Ahmedabad faces challenges like increasing air pollution and extreme heat during summers (2). These factors contribute to respiratory problems, heat-related illnesses, and other chronic conditions. Medical insurance ensures you are covered for frequent hospital visits arising from such health risks.
High Prevalence of Lifestyle Problems
In Ahmedabad, studies find that 1 in 4 people are hypertensive (high blood pressure) from screenings done in city hospitals (3). Having health insurance helps cover diagnostics, medications, and long-term treatments for such conditions so they don’t become overwhelming financially.
Why Healthcare is Becoming Costlier in Delhi?
Healthcare in Delhi is getting better with modern hospitals, advanced treatments, and highly skilled doctors. But with these improvements come rising costs. From hospital stays to surgeries, diagnostics, and medications, medical expenses are increasing year after year.
Here are some of the main reasons why healthcare is becoming costlier in Delhi:
- Increasing Cost of Surgeries and Treatments: Critical Illness problems, such as cardiac procedures, orthopaedic operations, and cancer therapies, are becoming increasingly expensive.
- Diagnostic Tests and Medicines: Regular health check-ups, diagnostic tests, and prescribed medicines have also grown costlier. Tests like MRIs, CT scans, or blood panels can cost thousands per session.
- Pollution and Lifestyle-Related Health Issues: Delhi’s high pollution levels and fast-paced lifestyle contribute to respiratory problems, heart disease, and diabetes, all of which require frequent hospital visits and treatments.
- Medical Inflation and Urban Lifestyle: Medical costs in Delhi increase by nearly 10-15% annually due to inflation, improved facilities, and rising demand for quality healthcare (4).
- Growing Demand for Private Healthcare: As Delhi’s population increases and public hospitals become crowded, more people are turning to private hospitals for faster and better care, which ultimately drives up the cost of healthcare.
See more
See less
What is the Treatment Cost for Major Health Problems in Delhi?
Seasonal outbreaks, pollution-related illnesses, and lifestyle diseases all add to Delhi’s healthcare burden.
According to Digit, the table below highlights the average treatment costs for leading diseases in Delhi between 2024 and 2025, providing a clearer picture of how costs rise and why having health insurance can make a big difference:
Disclaimer: The major health problems and costs presented above are based on internal health insurance claims from Go Digit General Insurance (FY 2024–25) and historical trends backed by data sources from research. Treatment costs may vary depending on factors such as the type of hospital, location, illness severity, and duration of care. For accurate diagnosis, treatment, and insurance coverage details, please consult a qualified healthcare professional or your insurance provider.
Does Health Insurance Cover the Cost of Treatment for Major Diseases in Delhi?
Yes, most of the major health problems in Delhi, such as typhoid, dengue, heart disease, and asthma, are typically covered under standard health insurance plans with critical illness coverage.
However, coverage can vary depending on the condition, waiting period and the policy terms. Here is what is usually covered:
- Major Illnesses: Diseases like asthma, heart problems, kidney issues, and strokes are usually covered under most health insurance plans.
- Lifestyle Diseases: Common diseases in Delhi, such as diabetes, high blood pressure, and obesity, are addressed. These need regular check-ups, medicines, and sometimes hospitalisation.
- Waiting Periods Apply: Coverage for major diseases often comes with a waiting period in health insurance, usually 1 to 3 years.
- Critical Illness Benefits: Some plans offer a lump sum payout upon diagnosis of a listed major illness, which can be used for treatment or recovery.
Which Health Insurance Policy is Right for You in Delhi?
Choosing the right health insurance policy in Delhi can feel confusing with so many options available. The best plan depends on your age, family size, medical needs, and budget.
To make it easier, the table below highlights different types of health insurance policies and how they may fit your requirements in the capital city, Delhi:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Delhi. Actual requirements may vary depending on individual health conditions, age, lifestyle, and financial situation.
Tips to Choose the Right Health Insurance Policy for You & Your Family in Delhi
Choosing the right health insurance in Delhi with an adequate sum insured can feel overwhelming, given the wide range of plans available.
Here are some practical tips to help you make a well-informed decision:
Rising Room Charges During Hospitalisation
Treatment in Delhi’s private hospitals can be expensive, hospital stays may cost ₹10,000 - ₹25,000, and major surgeries or critical treatments can reach several lakhs. Knowing these costs helps you select a plan with adequate coverage. (5)
Rising Health Risks
Delhi residents face high air pollution, respiratory problems, and seasonal outbreaks of dengue and chikungunya. A policy covering hospitalisation, emergency care, and vector-borne illnesses can reduce financial stress during sudden medical emergencies.
Age & Lifestyle
Your healthcare needs change with age and lifestyle diseases, which may require higher coverage.
Family Size
Families with children, working adults, and senior citizens in Delhi may require higher coverage due to pollution-related diseases, lifestyle illnesses, and age-related conditions.
Premium Affordability
Pick a plan that fits your budget but doesn’t compromise on coverage. For extra protection against major expenses, consider super top-up health insurance plans, which provide higher coverage at a lower incremental premium.
How Much Ideal Health Insurance Coverage Do You Need in Delhi?
Determining the right amount of health insurance coverage in Delhi is important to protect yourself and your family from unexpected medical expenses. Healthcare costs in the city can vary widely depending on the hospital, treatment, and illness.
The table below gives a guide to the ideal coverage you may need for different situations, helping you choose a plan with a desired sum insured that keeps you financially secure:
Note: The recommended health insurance coverage provided by Digit is a general suggestion based on current healthcare trends and average medical costs in Delhi. These figures are intended for informational purposes only and may vary depending on individual health conditions, lifestyle, age, and financial circumstances.
Digit recommends having this coverage because:
- It covers the rising hospitalisation costs in Delhi
- Protects against major surgeries, such as cancer, bypass procedures, etc
- Reduces out-of-pocket expenses during multiple hospitalisations
- Ensures peace of mind during medical emergencies
- Additionally, you must have a super top-up plan to cover the extra cost
Choose Health Insurance Coverage of Your Choice
Expert Recommendations for Choosing the Ideal Health Coverage in Delhi
When it comes to having health insurance in Delhi, we believe that the “ideal coverage” should balance the city’s healthcare costs, lifestyle-related risks, and family protection needs. Here’s what you must ask yourself before choosing any policy:
* What’s your age and health status?
* Do you live with dependents or elderly family members?
* How often do you visit private hospitals or specialists?
* Do you have a corporate health insurance plan?
And if budget is a concern, starting with a base plan of ₹10 - 15 lakh and adding a top-up plan later is a smart, flexible way to build comprehensive protection over time.
Tanya Marwah
Head of Marketing
How Much Does Health Insurance Premium Cost in Delhi?
The price of health insurance in Delhi depends on factors such as your age, family size, chosen sum insured, and medical history.
As you age, the likelihood of health issues rises, which naturally affects the premium. To give a clear picture, here’s an example showing how the health insurance premium for Digit’s Infinity Wallet Plan with a ₹10 lakh sum insured changes at different age milestones for Delhi residents:
Disclaimer: The premium amounts listed above are indicative and based on publicly available data for Digit’s Infinity Wallet Plan with ₹10 lakh sum insured. Actual premiums may vary depending on factors such as the applicant’s exact age, location, medical history, lifestyle habits, and chosen add-ons.
What's Great about Health Insurance in Delhi by Digit?
Key Benefits of Health Insurance in Delhi by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
Health Insurance Plans in Delhi
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:
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 in Delhi?
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 in Your Health Insurance Policy in Delhi?
Add-on Options with Health Insurance by Digit in Delhi
Enhance your coverage with add-ons in health insurance policy at Digit that provide you with additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
By paying a small additional premium, you can get coverage for non-medical expenses like gloves, masks, and other consumables during hospitalisation, once your base claim is approved.
Infinite Cumulative Bonus
Pay a small additional premium and receive 100% of your base sum insured as a bonus every year, regardless of claims. This add-on can grow infinitely, offering enhanced coverage year after year.
Smart Save
Pay a lower premium by opting for Smart Save, where specific treatments like cataract, knee replacement, angioplasty, etc, come with sum insured capping.
How to Buy a Health Insurance Policy Online in Delhi?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
What are the Benefits of Purchasing Health Insurance in Delhi?
Having medical insurance in Delhi is more than just having a safety net for you and your family. With rising medical costs and pollution-related health issues, having the right coverage ensures you can access quality care without financial stress. Here are the main benefits:
- Financial Protection Against High Medical Costs: From routine check-ups to major surgeries, health insurance covers expenses such as doctor fees, medicines, diagnostics, and hospitalisation charges. This helps manage high costs for both planned and unexpected treatments.
- Protection Against Accidents and Emergencies: Delhi’s busy roads and pollution-related health risks increase the chances of accidents and sudden illnesses. A health insurance ensures timely medical attention without burdening your savings.
- Access to Quality Healthcare: With a health insurance policy, you can avail a cashless health insurance treatment at network hospitals in Delhi. This allows you to access quality healthcare without worrying about immediate out-of-pocket expenses.
- Coverage for Pre-existing and Lifestyle Diseases: Many plans cover chronic and lifestyle-related conditions such as diabetes, hypertension, cardiac issues, and respiratory problems.
- Tax Benefits: Under Section 80D of the ITA, health insurance policyholders can claim a yearly tax benefit on health insurance premium payments.
What are the Things to Consider Before Buying Health Insurance in Delhi?
Buying health insurance in Delhi requires some careful thought to make sure you get the right coverage without overspending. With healthcare costs varying across hospitals and treatments, choosing the right plan can save you both money and stress.
Before purchasing a policy, consider these important factors:
1. Coverage and Sum Insured
Verify if the sum insured is sufficient to cover hospitalisation, surgeries, and critical treatments at Delhi’s top hospitals. Costs for serious illnesses or ICU stays can be high, so adequate coverage is key.
2. Network Hospitals
Look for policies with a wide network of hospitals in Delhi. Cashless facilities in well-known hospitals can make emergencies easier to handle.
3. Inclusions and Exclusions
Understand what the policy covers, especially whether it includes hospitalisation, daycare procedures, pre and post-hospitalisation, and critical illnesses. This prevents surprises during claims.
4. Premium and Affordability
Select a plan that suits your budget while offering adequate coverage. Sometimes, paying a slightly higher premium gives better protection and peace of mind.
5. Review the Waiting Period
Most health insurance policies include a waiting period for certain benefits, particularly for pre-existing diseases (PEDs). This means that these conditions won’t be covered immediately after you buy the policy.
For example, most plans have a waiting period of 1 to 3 years for pre-existing illnesses like diabetes or hypertension. If you already have a known medical condition, it’s important to choose a plan with a shorter waiting period to ensure timely coverage.
6. Check for Add-On Covers
Add-ons are optional benefits you can include in your policy for extra protection. Popular add-ons include consumable cover, waiting period modifications and cumulative benefit. Make sure they align with your needs.
7. Claim Settlement Ratio
Check the insurer’s claim settlement ratio. A higher ratio means a better chance of hassle-free claims during medical emergencies. Choose an insurer with a high claim settlement ratio and efficient customer support.
See more
See less
Digit's Cashless Network Hospitals
Get cashless treatment at 9000+ hospitals across India
16 Popular Hospitals in Digit's Network in Delhi
Here’s the list of Digit's top 16 network hospitals in Delhi, as of August 18th, 2025:
List of Digit Insurance Offices in Delhi
Here is the list of office addresses in Delhi, as of August 18th, 2025:
Living in Delhi offers access to some of the best hospitals and doctors in the country, but it also comes with high healthcare costs, rising pollution-related illnesses, and risks of accidents in a busy city. Hence, health insurance is a must for people residing in Delhi.
With the right plan, you can get timely treatment in Delhi’s top hospitals without worrying about heavy bills. Whether it’s a sudden emergency, seasonal illness, or long-term condition, health insurance ensures peace of mind and financial security.
Don’t wait for an emergency; choose the right health insurance in Delhi now and safeguard your family’s future.