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Pune is one of the most important cities in Maharashtra and the eighth-most populous in India. Its population is estimated to be around 74 lakh, as of 2020. (1)Â
While it is undoubtedly a great place to reside in, Pune citizens are always at risk from certain factors, such as air pollution and road accidents.
While there is hardly an effective way to prevent health complications arising from such factors, one can always safeguard his/her finances against the repercussions arising from them. Health insurance in Pune is one of the best ways of doing so.
Naturally, the first concern that arises before availing health insurance is the associated expense of such a policy. Well, read on to know more about what you can expect in this regard.
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.
Get Unlimited Sum Insured Backup from Day 1 with no Exhaustion Clause. Ideal for people wanting comprehensive coverage and additional benefits.
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.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
Important Features
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
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!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
|
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 |
On the Digit app or website, enter your PIN Code and Mobile Number, and click ‘View Prices.’
Next, select the family members you want to insure, add the age of the eldest member and click ‘Continue.’
Choose your Sum Insured, Plan and Add-ons, and click ‘Continue.’
Next, enter your and your family members’ complete details, and click ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
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.Â
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.
OR
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.
Insurance providers mostly classify Pune as a Zone B city, which means that the cost of healthcare in the city is not as high as it is in Delhi or Mumbai, but is still greater than Zone C cities.
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.
Based on this information, it is prudent to assume that the cost of health insurance in Pune should be moderate as well.
You will, thus, not need to spend exorbitant sums when looking to buy health insurance in Pune. Nevertheless, such policies can aid you to limit medical expenses significantly.
As stated previously, Pune’s air quality is degrading with each passing day. As per data from WHO, the city’s PM10 levels are classified as high at present. (2) Prolonged exposure to such toxic fumes can leave residents with severe respiratory illnesses.
Additionally, road accidents claim hundreds of lives in the city every year. In fact, the city witnessed more than 4400 road accident deaths in the preceding four and a half years, according to a report from 2019. (3)
These factors, in combination with other health hazards, highlight the need for quality health insurance in Pune. With such a policy in place, you can remain free from financial worries during medical emergencies.
The policy that you require depends on your expectations from your health insurance in Pune. For instance, you can opt for a family health policy if you want to ensure family-wide coverage for your spouse, children and parents.
Alternatively, you can pick an individual health insurance plan if you stay alone in the city.
It is always advisable to select policies based on their features and coverage, instead of choosing the cheapest ones.
When you buy health insurance in Pune, you can expect the following benefits from your insurer:
Coronavirus positive patients can claim their insurance policies as well to acquire hospitalisation benefits from their insurance providers.
Disclaimer – Treat every health insurance policy differently, as each offers unique benefits and features. Read the terms and conditions carefully to assess the coverage and inclusions of a policy before purchasing it.
Pune residents have sufficient options when it comes to health insurance in Pune. Compare the available plans online and pick the policy that is best suited to your individual needs.
Please try one more time!
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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.Â
Disclaimer #2:Â 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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