Buy Health Insurance Online
Switch to Digit Health Insurance.
Happy Couple Standing Beside Car
Chat with an expert

I agree to the  Terms & Conditions

Please accept the T&C
Port my existing Policy
Renew your Digit policy

(Incl 18% GST)

Health Insurance covering Coronavirus (COVID-19)

Health Insurance for Coronavirus (COVID 19) in India

Health Insurance Plans in India What's great about Digit's Health Insurance that covers Coronavirus?

  • 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 16400+ 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?


Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment 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 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%.
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.

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 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 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
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 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
2 Years
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
₹ 1,00,000
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.

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.

Key benefits of Health Insurance by Digit



Room Rent Capping   


Cashless Hospitals  

16400+ Network Hospitals across India  

Inbuilt Personal Accident Cover 


Wellness Benefits

Available from 10+ Wellness Partners

City Based Discount  

Up to 10% Discount  

Worldwide Coverage 


Good Health Discount  

Up to 5% Discount  

Consumables Cover  

Available as an Add-on

*Available only on Worldwide Treatment Plan

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 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.

Claims FAQs - Hopitalization due to COVID-19

Why should you get a Coronavirus health insurance now, more than ever?

Uncertainty around the COVID-19

You know, the reason we’re here is so we can be there for you in your uncertain moments! With so much uncertainty around, the one thing you can be sure of is that a health insurance will have your back when you need it!  

Financial Instability & Economic Slowdown

With the current economic slowdown, you need to be more prudent than ever about your financial decisions. A health insurance that covers for coronavirus and all other healthcare needs is the best thing you can do for your current and long-term financial security!

Tax Savings

A part of making smart financial decisions is saving on tax! Luckily, anyone who buys a health insurance for himself and his parents can claim for tax savings on the annual premium paid. It’s a win-win situation if you were to do the math!

Protects you from Critical Illnesses

Apart from covering for the coronavirus, a health insurance also safeguards you against other diseases and illnesses including critical illnesses that can often take a financial toll on anyone.

Peace of Mind

How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health insurance to have your back in times of need.

Make Smart Move

It’s possible that you’re someone who’s optimistic about your health and wealth. However, did you know that even if you don’t claim for anything, you get rewarded through benefits like a cumulative bonus? For every year you don’t make a claim, your total sum insured is increased without any extra cost! 

Health Insurance Options for Coronavirus (COVID-19)

FAQs about Digit’s Health Insurance for COVID-19

Difference between COVID Specific Insurance Policies and Comprehensive Health Insurance Policy?

Coronavirus Insurance (COVID-only policies like Corona Kavach, Corona Rakshak)

Health Insurance Covering Coronavirus (Comprehensive Health Insurance Policies)

A coronavirus cover or coronavirus insurance is usually offered as a pocket size insurance policy to cover for costs ONLY for treatment pertaining to the COVID-19. Depending on your insurer, it could either be a lumpsum amount paid during claims or offered as a reimbursement based on your hospital bills.

A health insurance that covers coronavirus means your health insurance policy ALSO covers for coronavirus among other illnesses and diseases. You don’t have to buy a separate cover or policy for the same. It is all inclusive in your health insurance.

A coronavirus insurance is a short-term policy and the policy is no longer valid after a claim.

A health insurance is a long-term policy (you can choose from 1 year to multi-year plans) and you can claim as many times in a year, as long as your total claims don’t go above your total sum insured.

Apart from covering for coronavirus, there are no other additional benefits of a coronavirus insurance.

Apart from covering for coronavirus, a standard health insurance policy also comes with other benefits such as maternity and newborn baby cover, OPD, Daycare procedures and more.cover, OPD.

The premium for a coronavirus insurance may be lesser since it is a specific cover to one disease only.

The health insurance premium that covers coronavirus would be similar to that of what a standard health insurance premium will cost. The premium will largely depend on your age, location and sum insured chosen.

Difference between a Corona Kavach and Corona Rakshak Coronavirus health insurance?

Corona Kavach

Corona Rakshak

Policy type

Corona Kavach is a covid-indemnity plan that helps one get their hospital bills covered when they’re being treated for the covid-19.

Corona Rakshak is a covid-benefit policy. Here, a lumpsum benefit is offered instead of getting specific hospital bills covered, i.e. the insured receives the entire sum insured if they are to be treated for the virus.

Sum Insured

Choose between minimum Rs 50,000 and maximum, Rs 5 lakhs.

Choose between minimum Rs 50,000 to maximum, Rs 2.5 lakhs.

Hospitalization terms

One can claim through their Corona Kavach cover if they need hospitalization for more than 24-hours.

One can only claim through their Corona Rakshak and receive the lumpsum if the hospitalization required exceeds 72-hours.

Type of plans available

In Corona Kavach, one can choose between a family floater and individual plan.

In a Corona Rakshak cover, you can only opt for an individual plan, there is no option for a family floater.

Additional benefits

In a Corona Kavach policy, you can also opt for a daily hospital cash cover wherein you can receive 0.5% of your sum insured for each day of hospitalization.

There are no additional benefits or covers available in a Corona Rakshak policy.

FAQs about Corona Kavach and Corona Rakshak Policies

Important things to know about Coronavirus (COVID-19)

What is the difference between Quarantine, Self-Isolation, and Social Distancing?

You’ve probably been hearing all these words quite a bit and if you’ve ever wondered what the difference between them all is, here’s a quick overview for you to understand them better.



Social Distancing

Quarantine refers to the period of time where you need to be isolated and kept under observation – this can either be done at home or at a covid facility provided by your government or healthcare provider. People who have recently traveled, have been in some form of contact with a covid positive patient or are showing symptoms of the virus are usually kept under quarantine for at least up to 14 days.

Self-isolation is a voluntary protective measure you should take if you’ve recently traveled or are suspicious of having contracted the virus at any point. This simply means you isolate yourself from others at home and outside, so that you don’t have even the slightest chance of being a carrier of the virus.

Social distancing is a preventive measure we all must take whenever we step out of our homes. This simply means keeping at least 1 meter physical distance between people and reducing the number of times you may come in close contact with other people.

FAQs about the Coronavirus (COVID-19)