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Buy/Renew 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.

Team Digit

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 in health insurance during the policy period, we refill it for you.
Get treated at any hospital - Choose from 9000+ 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.

Health Insurance Plans in Hyderabad

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%.

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

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

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

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

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

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

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 Hyderabad 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 Hyderabad 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.

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.

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?

We believe in transparency, so you know exactly what to expect during a health insurance claim.
For Cashless claims, please reach out to the Hospital helpdesk at one of our network hospitals. For any other queries, you can reach out to us through the contact details mentioned here.
For Reimbursement claims, you can file a claim online or reach out to our customer care.
Refer for more information about Digit cashless network hospitals, List of non-preferred hospitals, anywhere cashless hospitals etc.
Refer this link for checking the health claim status.

Types of Health Insurance in Hyderabad

Things to know when buying a Health Insurance in Hyderabad

Which Zone does Hyderabad Lie in when it comes to Healthcare Expenses?

Hyderabad is categorised as Zone A in terms of health insurance policies. Treatment expenses tend to be substantially greater in bigger metropolitan cities than it is in smaller towns or villages. Mumbai, being one of the costliest places to seek treatment, is therefore considered Zone A.

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.

Do you really need health insurance in Hyderabad?

When is Health Insurance Indispensable for Hyderabad Residents?

Hyderabad roads are witness to devastating accidents almost every day. Between January and November 2019, the city experienced more than 2600 road accidents. In them, 373 individuals perished (2).

When such a devastating accident occurs, you need to seek treatment immediately. With proper healthcare coverage, you can take advantage of top-notch facilities without worrying about expenses during these times.

Hyderabad also suffers from considerable levels of air pollutants, which can lead to severe respiratory conditions among residents. One should buy health insurance in Hyderabad to avail coverage against such expenses arising from these ailments.

Lastly, such policies can also act as a shield during critical illnesses, which are on the rise across all states in India.

Know more about health insurance with maternity cover

Which Health Insurance Policy is right for Hyderabad Residents?

Hyderabad is a city of contrasts, where you can find sprawling mansions as well as one the biggest slums in the world. Even though there is a huge financial gap between the upper and lower classes in the city, everyone needs a health insurance policy nonetheless.

If you live alone, you can pick a simple individual health insurance policy to cover all your medical expenses. However, if you stay with an extended family, which is more common in Hyderabad, you should look for a family health insurance policy.

Benefits of Purchasing Health Insurance in Hyderabad

If you are about to opt for a health insurance policy in Hyderabad, you can expect the following benefits from the same:

Hospitalisation Benefits – Are exorbitant hospitalisation rates in reputed private hospitals preventing you from seeking the best treatment? Do not fret as a health insurance policy covers your financial liability related to hospitalisation for treatment of accidental injuries and illnesses.
Critical Illness Benefit – When diagnosed with a critical illness, such as cancer or heart disease, you can claim hospitalisation expenses related to the condition in question.
Ability to Save Money – If you do not claim under your health insurance policy for an entire year, you can enjoy cumulative bonus benefits under it. This benefit translates to an increased sum insured under your health insurance policy upon renewal, without the need to pay any additional amount.
Tax Benefits – Under Section 80D of the ITA, health insurance policyholders can claim yearly tax benefit in health insurance premium payments.
Annual Health Check-Ups – Such an insurance policy may allow you to undergo free check-ups every year. These check-ups can diagnose underlying problems, ensuring speedy treatment.

Moreover, as per fresh IRDAI guidelines, all insurance providers must also cover hospitalization expenses arising from Covid-19 treatment.

Disclaimer: Check the terms and conditions of your insurance policy thoroughly. The exact terms tend to differ from one insurer to the next.

Thus, it is important for Hyderabad residents to invest in a reliable health insurance policy. It can prevent unplanned medical expenses from ruining your personal finance.

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Buy/Renew Health Insurance Policy Online in Hyderabad

What's great about Health Insurance in Hyderabad by Digit?

Health Insurance Plans in Hyderabad

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

What’s Covered in the Health Insurance Plans Offered by Digit?

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-Existing Diseases

Hospitalization without Doctor’s Recommendation

Key Benefits of Buying Health Insurance with Digit

How to Buy Health Insurance in Hyderabad with Digit?

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

How to Renew Your Health Insurance in Hyderabad with Digit?

How to File a Claim?

Types of Health Insurance in Hyderabad

Things to know when buying a Health Insurance in Hyderabad

Which Zone does Hyderabad Lie in when it comes to Healthcare Expenses?

When is Health Insurance Indispensable for Hyderabad Residents?

Which Health Insurance Policy is right for Hyderabad Residents?

Benefits of Purchasing Health Insurance in Hyderabad

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