Health Insurance for COVID 19

close {{healthCmpCtrl.residentPincodeError}}

In case, you wish to buy a plan for your siblings, aunts, uncles or any other relatives, you can buy a separate plan for them.

close {{member}} {{ healthCmpCtrl.getMemberCount(member) }}

I agree to the  Terms & Conditions

You can select more than one member

  • -{{familyMember.multipleCount}}+ Max 4 kids
    (You can add multiple)

Health Insurance for COVID 19


I agree to the  Terms & Conditions

Award 2019
Awarded Asia's Best General
Insurance Company 2019
Linkedin Award
Top Indian
Startup 2019
4.6 on FB
High Facebook Rating
More than 4 stars by
92% customers

Health Insurance for COVID 19 in India

2020 will forever be remembered as a crucial time in history. Seven months later, the pandemic is still looming around most of the world and while cases are still rising, we’ve all evolved from being extremely fearful of the unknown to now learning how to live with it.

This is the new normal as we all say today. On the surface of it, it may seem like things are slowly easing into normalcy but the reality on ground is actually very different.

In India specifically, cases are still increasingly rising, and experts suggest that we have not yet reached the peak, which is scary! 

Currently at more than 250,000 confirmed coronavirus cases and India now being the 5th highest country with active coronavirus cases, it is now more crucial than ever to take necessary precautions to ensure we’re in the pinkest of health.

This doesn’t mean steering away from the virus alone but staying protected from all other illnesses as well, given that with so many active cases today, healthcare facilities in India are already overwhelmed.  
The coronavirus hasn’t only brought to life a contagious and deadly virus but, also other repercussions such as financial instability and the global and national economic slowdown.

This evidently means you don’t only have to protect yourself from the virus and other illnesses but, also ensure you are financially secure and one of the means of doing so is, getting a health insurance for coronavirus and other illnesses too. 

This won’t only help cover for your healthcare expenses (whether it is coronavirus or something else too) but will also ensure you aren’t faced with any financial burdens at such a point. To learn more about our health insurance for coronavirus, read on! 

Read More

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

  • Zero-touch insurance:  From the process of buying a health insurance to making claims is paperless and can be done online in just a few minutes. 
  • Additional Sum Insured Available: Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost! 
  • Covers Coronavirus: Despite the COVID-19 being a pandemic, coronavirus is covered for in our health insurance.
  • No Age Based Copayment - Our health insurance comes with no age based copayment. This means, during your claims- you need not pay anything from your pocket.
  • No Room Rent Restriction - Everyone has different preferences and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer.
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! Get yearly Cumulative Bonus.
  • Get Treated at any Hospital - Choose from 5900+ of our network hospitals in India for cashless claims or opt for a reimbursement.

What’s Covered in our Health Insurance?

Smart Option

Comfort Option


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 Digit's Health Insurance covering Coronavirus


Covered under hospitalization, with zero additional cost!


No Age Based Copayment

Cashless Hospitals

5900+ Cashless Hospitals All Over India

Cumulative Bonus

20% extra SI for your First Claim Free year

Sum Insured

Additional Sum Insured for Critical Illness & Accidental Hospitalization

Room Rent Capping

No Room Rent Capping. Choose any room you like.

Claim Process

Digital Friendly, No Hard Copies Required!

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

What is the difference between COVID Insurance and a Coronavirus Health Insurance?

COVID Insurance Policy

Coronavirus Health Insurance

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.

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 covering for other.

There is no option to choose between family floater or individual policy. Every family member would have to buy an individual policy.

You can opt between a family floater health insurance policy or an individual health insurance policy too.

You can’t use a single cover for tax savings.

Under section 80D, a health insurance is eligible for tax savings to up to 25,000

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.

Why should you get a Health Insurance for COVID-19 now, more than ever?

Uncertainty around the COVID-19

Unfortunately, the covid-19 shows no signs of going away soon and as much as we don’t like it, living with it is going to be our new normal. With so much uncertainty surrounding such an infectious disease, the least we can do (apart from taking precautions) is to be covered for it, if it does infect us or our family members. A health insurance that covers coronavirus ensures you will be.

Financial Instability & Economic Slowdown

Unemployment and an economic slowdown means we all need to be more prudent than ever about our financial decisions and financial security. A health insurance that not only covers the coronavirus but, also comes with other benefits is necessary to ensure you are financially always covered for when it comes to your health and wealth.

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 Investments

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! 

Important things to know about the 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 COVID 19 Health Insurance Policy in India