Buy Health Insurance Policy Online in Salem
Salem is the sixth largest metropolitan city and urban agglomeration, having a total area population of 1,146,000. It is one of the 11 smart cities in Tamil Nadu and is home to many small-scale commercial businesses. The mix of high commercial activities and congestion has led to increased chances of road accidents and respiratory diseases. Medical emergencies can occur at any moment, and that is when a health insurance policy in Salem would come to help.
What's great about Health Insurance in Salem by Digit?
What’s covered in our Health Insurance?
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. .
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.
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.
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.
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.
What’s not covered?
How to file a Claim?
What are the things to know about Health Insurance in Salem?
- You might already be aware that a health insurance policy will come in handy when facing any medical emergency. However, before buying one, ensure you know about the sum insured in the health insurance or the insurer offering the right combination of premium and coverage. Other factors that you must keep in mind before buying your health insurance in Salem are -
Salem has seen the growth of multiple private and government hospitals; however, this city lacks access to healthcare. That is why a health insurance policy can help you, as it has annual checkups which help you determine if you need any treatment or not.
According to a news report by New Indian Express, 2021 witnessed a 42% hike in accident rates in the state of Tamil Nadu. Therefore, to avoid heavy medical expenses, opt for health insurance.
The prevalence of non-communicable diseases in the urban slums of Salem is higher in males than females. These diseases arose due to a lack of proper awareness of tobacco and alcohol consumption. It can lead to diseases like diabetes, heart disease and hypertension. Therefore, a health insurance policy can help individuals remain stress-free about monetary concerns during times of medical emergency.
What are the benefits of purchasing Health Insurance in Salem?
Although Salem has plenty of options for healthcare, the increased population has led to high medical prices. For instance, delivery charges in Salem can cost approximately ₹ 22,000. On the other hand, oral cancer treatment costs in Salem can start from ₹ 60,000. Thus, getting health insurance will provide you with the following benefits -
A cumulative bonus for each year you remain healthy and do not claim any insurance. This will motivate you to remain healthy.
An annual health checkup is mandatory so that you become aware of any problems or issues in your health.
Under Section 80D of the Income Tax Act, you become eligible to claim tax deductions if you pay health insurance premiums.