Buy Health Insurance Policy Online in Delhi
Delhi is one of the busiest cities in India with an estimated population of over 1.67 crore (1). It is a city rich in history and cultural heritage of India. Nevertheless, it faces major issues with air pollution, which has led many residents to shift base or to wear protective masks whenever they step outside their homes.
Delhi was named the most polluted city in 2019, the second year in a row. Under such circumstances, it is the duty of each citizen to take proper precautions and plan ahead to ensure proper health safety. One of the key steps in achieving the same is to buy health insurance in Delhi.
What's great about Health Insurance in Delhi 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 Delhi
How much will it cost you?
The cost of your health insurance policy in Delhi largely depends on the cost of healthcare in the city. The zone-based healthcare classification should help you gauge insurance expenses while living in this city.
Which Healthcare zone can Delhi be categorised in?
Delhi is one of the costliest places in India to avail of quality healthcare. This city, along with Mumbai, are the two metropolises categorised as Zone A.
Since the cost involved with treatment is so substantial, you can expect higher than average pricing for health insurance in Delhi as well.
Still, it is an investment worth making as you stand to save a considerable amount of money with such a policy, especially when illnesses or accidents force you to seek admission at a hospital.
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.
When is Health Insurance vital in Delhi?
As stated previously, Delhi is one of the most polluted cities, not only in India but also in the world. Therefore, residents living here for prolonged periods may suffer from a range of respiratory conditions.
Cancers are also quite common occurrences among Delhi citizens. An insurance policy should help you avail the best treatments when you are faced with such a diagnosis.
However, health insurance in Delhi is also essential because of the sheer number of accidents that occur in the city.
According to a report, Delhi witnessed 6515 road accidents, the most by any Indian city in 2018; 1690 people were killed in these accidents, which just goes to show that Delhi’s roads are notoriously unsafe. (source)
Which insurance policy is perfect for Delhi residents?
One can choose from a variety of health insurance in Delhi, depending on their needs and expectations. No single plan is perfect for all. You need to determine which characteristics you want to prioritise. Next, focus on the coverage inclusions of the policy in question.
If you live by yourself, picking an individual health insurance policy is the best option. However, if you stay with your spouse and children, you should consider picking up a family health insurance policy.
Benefits of Purchasing Health Insurance in Delhi
Policyholders can utilise the following features and facilities from such a plan:
- Hospitalisation Expenses Cover – You can claim the expenses incurred by you during hospitalisation with such an insurance policy.
- Critical Illness benefit – Likewise, you can claim hospitalisation charges when seeking treatment for critical illnesses.
- Tax Benefits – With this nifty little facility, you can claim tax deductions under Section 80D of the ITA if you are currently paying health insurance premiums.
- Free Health Check-Ups – Get complimentary annual health check-up every year. Undergoing them should help you understand the current state of your health better and diagnose underlying diseases.
- Earn a cumulative bonus – Every year that you do not file a claim, you earn a cumulative bonus. This bonus increases your policy’s sum insured without a hike in its premium,
You can also look forward to Covid-19 hospitalization coverage with health insurance in Delhi, as per the fresh guidelines of the IRDAI.
Disclaimer: Not all policies offer the same coverage or benefits. Read the terms and conditions of your chosen plan to assess its exact coverage.
Delhi residents need to invest in a quality policy, which offers the necessary help during medical emergencies. Compare all available plans before making your final choice.