Health Insurance in Hyderabad

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Buy Health Insurance Policy Online in Hyderabad

Hyderabad is one of the best places to visit in India if you are a foodie. The city’s culinary heritage can be traced back centuries, with Hyderabadi Biryani being the most popular dish to have originated from this place.

Apart from the delicious food, Hyderabad is also an important city when it comes to commerce and industry. It is sometimes referred to as the ‘City of Pearls’ thanks to its flourishing pearl trade.

However, one must also acknowledge the negatives of this city, including the high occurrence of lung cancer in women. Moreover, accidental death is also quite common in the city’s streets.

In fact, according to a 2019 estimate, Hyderabad roads witness around four deaths every day. (1) These health hazards have driven the need for quality health insurance in Hyderabad.

What's great about Health Insurance in Hyderabad 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.

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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.

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Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

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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 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%.
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..

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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.

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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!

×
×
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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.

×
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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.

No Co-payment
No Co-payment
No Co-payment
Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalized.

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 Hospitalization

This cover is for all expenses before and after hospitalization 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 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

2 Years
2 Years
2 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 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!

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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.

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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.

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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.

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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.

Available as an Add-On
Available as an Add-On
Available as an Add-On

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

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 Hyderabad

Zonal Division of Hyderabad Based on Healthcare Expenses

Hyderabad is mostly categorised as a Zone B city when it comes to healthcare costs. This indicates that the expense of medical aid here is not as high as Zone A cities but still significantly higher than Zone C ones.

If you fail to buy health insurance in Hyderabad, you may incur considerable financial losses during emergency hospitalisation.

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 will your Health Insurance Aid You?

Health insurance is immensely helpful whenever you need to seek hospital admission, whether it is to treat an illness or accidental injuries.

Besides pollution and road accidents, Hyderabad residents are exposed to several other health concerns as well. In 2019, the city reported more than 16000 cases of diarrhoea and 1300 typhoid cases. (2)

Therefore, health insurance in Hyderabad is one of the essential commodities, safeguarding your finances in the event of sudden illnesses.

Likewise, it can also prevent substantial monetary loss in the event of severe diagnoses, including cancer.

Which Health Insurance Policy should you opt for?

The kind of health insurance in Hyderabad you require depends entirely on your needs. Focus on its features and coverage to understand whether it fulfils your demands.

For instance, if you stay with family members, opting for a family health insurance is more economical and beneficial than availing separate policies for all.

Compare all available health insurance in Hyderabad online policies before deciding on a perfectly suitable one. Do not simply decide by a policy’s premiums but also consider its various facilities.

 

Learn more about:

Benefits of Purchasing Health Insurance in Hyderabad

When you choose to buy health insurance in Hyderabad, you can expect the following benefits:

  • Critical Illness Cover – Insurers cover the necessary hospitalisation charges when you seek hospital treatment on account of critical illnesses.
  • Cumulative Bonus – With each claim-free term, policyholders get a cumulative bonus. This bonus leads to an increase in policy sum insured without hiking premium rates.
  • Hospitalisation Expenses – If you are injured or ill and require hospitalisation, do not fret about the associated expenses. Your policy will compensate your hospitalisation charges.
  • Annual Health Check-Ups – Your insurance company will bear the cost of a annual health check-up every year (on successful policy renewal). These screening tests can look for underlying health concerns in their nascent stages.
  • Tax Benefits – Claim tax deductions under Section 80D when you are paying premiums for health insurance in Hyderabad.
  • Mental Peace – Owning such a policy in your name also proffers peace of mind since you have a plan in place to deal with emergency medical needs.

Now, insurers also provide Covid-19 cover within all health insurance policies. With it, you can claim hospitalisation expenses when you require treatment at healthcare facilities for the viral infection.

Disclaimer: Health insurance policies can differ from one another. Read the terms and conditions of your policy to understand what is covered and what is not.

Regardless of why you choose a health insurance policy in Hyderabad, make sure you own one. They can make your life significantly easier during medical emergencies.