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Digit Health Insurance

9000+ Cashless Hospitals

Exclusive Wellness Benefits

Buy/Renew Health Insurance Policy Online in Salem

What's Great about Health Insurance in Salem 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.

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY 2024-25.

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

Health Insurance Plans in Salem

Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:

Double Wallet Plan

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

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

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 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%.
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 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 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
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 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
1-3 Years
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
₹ 1,00,000
Organ Donor Expenses
digit_special 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
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.

Health Insurance Add-on Options with Digit

Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:

Consumable Cover

Consumable Cover

Pay 10% extra premium and we will also cover your non-medical expenses once your base claim is approved.

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

You can reduce your pre-existing disease waiting period to up to 2 years.

Network Hospital Discount

Network Hospital Discount

Opt for treatment at one of our network hospitals and receive a 10% discount on your premium with this add-on cover. However, a co-payment will be applicable if you get hospitalised in a non-network hospital.

What are the benefits of purchasing Health Insurance in Salem?

How to Buy/Renew a Health Insurance Policy Online?

Buying or renewing a health insurance policy online is now as easy as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy or renew a health insurance plan:

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Visit Digit’s Website or App

Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.

Enter Basic Details

Share information like age, family members to be covered, and any medical history or pre-existing disease.

Choose Your Plan

Select your coverage amount and add any rider if needed. Proceed and fill in additional details.

Make Payment

Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.

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Log In to Your Account

Visit the Digit website or app, log in using your registered mobile number and navigate to the ‘My Policies’ section.

Review Policy Details

Choose the health insurance policy that needs renewal and review your policy details. Modify if required.

Make Payment

Proceed to pay the renewal premium securely online via UPI, net banking, credit/debit card, etc.

Get Renewal Confirmation

Once payment is successful, you will receive a renewal confirmation and updated policy details via email and WhatsApp.

Documents Required to Buy a Health Insurance Online

When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:

Identity/Age Proof

Address Proof

Income Proof

Previous Medical Reports (If any)

KYC Documents

How to File & Track Health Insurance Claim with Digit?

Filing or tracking a health insurance claim with Digit is easy and convenient. If you are filing for a cashless claim, confirm that your hospital is on Digit’s network list. Inform Digit in time, submit the pre-authorisation form via the hospital, and enjoy cashless treatment! 🙂 Here are the steps to file and track a claim:

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Get Treated & Save Everything

Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).

Open Digit App & File Claim

Log in to the Digit App. Navigate to the ‘File a Health Claim’ section on the app. Choose the policy & type of claim you are filing and other details.

Submit all the Documents

Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.

Register Claim & Relax

Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.

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Log In to the Digit App

Log in to the Digit App and Navigate to Check Health Claim Status.

Fill in the Details

Enter all the essential Details about your policy, such as policy number, name, DOB and proceed further.

Get Instant Updates

That’s it! You’ll see all the updates and details right there on your screen.

Documents Required to File a Health Insurance Claim

When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Below is a list of essential documents that may be required while filing a health insurance claim at Digit:

Hospitalisation Documents

Cashless Documents

KYC Documents

Cashless Hospitals by Digit

Digit's Cashless Network Hospitals

Get cashless treatment at 9000+ hospitals across India

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