Buy Health Insurance Policy Online in Mumbai
Mumbai, the financial capital of India, is also a city that never sleeps. According to a survey, this city is home to more than two crore people at present. (1).
Naturally, the density of the state’s population can cause a heightened risk of various diseases. For instance, Mumbai is the hardest-hit city in India when it comes to the Covid-19 pandemic.
However, even before the Coronavirus, this city had accounted for thousands of deaths every year due to the alarming levels of air pollution, road accidents and other health conditions.
The lack of affordability of healthcare is partly to blame for such high mortality rates. Under such a circumstance, availing health insurance in Mumbai is vital for residents.
What's great about Health Insurance in Mumbai 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 Mumbai
Which Zone does Mumbai Lie in when it comes to Healthcare Expenses?
Mumbai 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 Mumbai?
When is Health Insurance Indispensable for Mumbai Residents?
Mumbai 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.
Mumbai also suffers from considerable levels of air pollutants, which can lead to severe respiratory conditions among residents. One should buy health insurance in Mumbai 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 Mumbai Residents?
Mumbai 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 Mumbai, you should look for a family health insurance policy.
Know more about Corporate Health Insurance
Benefits of Purchasing Health Insurance in Mumbai
Listed below are some reasons why you need to buy health insurance in Mumbai:
- Covers medical expenses - Provides illness and accident-related hospitalization coverage.
- Safeguards your health - Complimentary annual health checkups to screen against underlying conditions.
- Smart investment options - These policies offer discounts on premiums in the form of cumulative bonus. One can avail the benefits of such bonus during policy renewal by ensuring a claim-free policy term.
- Critical illness benefit - Financial coverage for hospitalizations related to critical conditions, such as heart disease and cancer.
- Tax benefits - Policyholders can claim benefits on their income tax when they pay premiums for medical insurance under Section 80D of the Income Tax Act.
- Peace of mind - Above all, with such a policy in place, you can rest easy knowing that you have a backup financial plan to deal with medical emergencies.
Moreover, following IRDAI guidelines, all health insurance providers can now cover the medical expenses arising out of a policyholder’s Coronavirus treatments.
Disclaimer: One should be mindful that policy coverage can differ significantly based on the plan chosen. Go through the terms and conditions section of the offered policy to understand such intricacies before purchasing the insurance plan.
If you are a Mumbai resident without any health insurance policy coverage, make sure you opt for such a policy today. Otherwise, you may find yourself under great financial strain if a disease or accident forces you to seek treatment at any of the city hospitals.