Health Insurance in Mangalore

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Buy/Renew Health Insurance Policy Online in Mangalore

Mangalore, a major commercial centre and an Arabian Sea port in the state of Bangalore, is blooming to be one of India's populated cosmopolitan cities. However, living in a populated city comes with its own advantages and disadvantages. For example, the rise of industrial activities has led to more air pollution, thereby raising respiratory diseases like asthma. Moreover, lifestyle factors and hereditary reasons too contribute to diseases. Therefore, it is wise to invest in health insurance plans to avoid financial shortages during medical emergencies.

Team Digit

What's great about Health Insurance in Mangalore 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.

Health Insurance Plans in Mangalore

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 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. .

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%.

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

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 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

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 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

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 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.

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	16400+ 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 Mangalore 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 Mangalore 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 Mangalore

What are the things to know about Health Insurance in Mangalore?

Choose a health insurance plan that ensures you get adequate medical expenses coverage. Other than that, make sure there are network hospitals of the insurer near your location. In addition, check if the insurer offers features like annual health check-ups, lifetime renewability and no claim bonus. Before getting your online health insurance policy in Mangalore, keep in mind the following points -
The average cost of living in Mangalore is quite high as it is a cosmopolitan area. Thus, incurring medical costs can be heavy on the pocket if one does not have health insurance.
Due to the increasing population and congestion on roads, there has been a rise in the number of road accidents. Rash driving, drunk driving, and not wearing helmets are leading more to these accidents. Thus, it is vital for people there to get a health insurance policy to deal with such cases.
During monsoons, a major issue that people from Mangalore face is water getting stagnant, according to a report. This gives rise to communicable diseases like malaria and dengue. Therefore, choose a health insurance policy that will cover these expenses.
Moreover, the current inflation rates in India have risen by 7.0%. Thus, getting a health insurance policy is vital for all individuals now. However, before finally buying one, check which policy meets your requirement the best.

What are the benefits of purchasing Health Insurance in Mangalore?

Most individuals now opt for private hospitals for healthcare because of the high standard of treatment and good hygiene they provide. However, private hospitals' charges are pretty high compared to public hospitals. For example, average delivery charges in private AC wards can be ₹ 29,546. Whereas on average, a knee replacement surgery in Mangalore can cost ₹ 3,50,000 or more. As you can see, these charges can get quite high, so it is important that you get an insurance plan to save yourself from such heavy expenditures.

Here are the benefits you can enjoy by purchasing a health insurance policy.

Health insurance lets you get medical treatment immediately without worrying about any monetary concerns.
According to Section 80D of the Income Tax Act, you can enjoy paying health insurance premiums and tax benefits.
Since you get extra rewards in the form of a cumulative bonus, you get the additional motivation to stay healthy.
Mandatory annual health check-ups let you stay updated about your health concerns, and if any issues are detected, you can get immediate treatment.

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Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Buy/Renew Health Insurance Policy Online in Mangalore

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

Health Insurance Plans in Mangalore

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

What’s covered in our Health Insurance?

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 Mangalore with Digit?

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

How to Renew Your Health Insurance in Mangalore with Digit?

How to File a Claim?

Types of Health Insurance in Mangalore

What are the things to know about Health Insurance in Mangalore?

What are the benefits of purchasing Health Insurance in Mangalore?

Download Health Insurance Policy Wordings

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