Health Insurance with Critical Illness Benefit

Get Additional Sum Insured for Critical Illness related Hospitalization
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Critical Illness Benefit in Health Insurance

What is a Critical Illness Benefit by Digit?

What are the diseases that fall under Critical Illnesses Benefit?

At Digit, the following are the list of illnesses and diseases that are covered for under the Critical Illness benefit:

Category

Critical Illness

Malignancy

Cancer of Specified Severity

Cardiovascular System

Myocardial Infarction, Open Heart Replacement or Repair of Heart Valves, Surgery to Aorta, Primary (Idiopathic) Pulmonary Hypertension, Open Chest CABG

Major Organ Transplant

End Stage Liver Failure, End Stage Lung Failure, Kidney Failure Requiring Regular Dialysis, Major Organ/ Bone Marrow Transplant

Nervous System

Apallic Syndrome, Benign Brain Tumor, Coma of Specified Severity, Major Head Trauma, Permanent Paralysis of Limbs, Stroke Resulting in Permanent Symptoms, Motor Neuron Disease with Permanent Symptoms, Multiple Sclerosis with Persisting Symptoms

Others

Loss of Independent Existence, Aplastic Anemia

Why is a Critical Illness Benefit important in a Health Insurance?

How to claim for a Critical Illness Benefit?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com 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.
  • Pre-Approved Claims with Advance Cash - Share your hospital estimate and medical records with us via email. Our health team will assess the documents and approve up to 50% of Advance Cash payment within 24 hours. The rest can be reimbursed post-discharge.
Explain it like I'm five

We're making insurance so simple, now even 5-year-olds can understand it.

It’s a pleasant winter morning. Tina decides to enjoy the cool weather, puts on a jacket and steps out for a walk. A few minutes later, the cold changes to chill and it starts snowing! Now, Tina is stuck in the extreme weather without adequate cover – wishing she had brought her warm coat, cap and a pair of gloves with her. But she wasn’t prepared for the unexpected. A critical illness cover protects you from exactly this – an unexpected turn of events.