Digit Illness Group Insurance

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What is the Digit Illness Group Insurance?

Features of Digit Illness Group Insurance

Sum Insured up to Rs 3 lakhs
Sum Insured up to Rs 3 lakhs 
No room rent and ICU rent restriction
No room rent and ICU rent restriction
5900+ cashless hospitals to avail cashless treatment
5900+ cashless hospitals to avail cashless treatment
Simple, digital processes and one point of contact
Simple, digital processes and one point of contact
Coverage for employee, spouse & up to 2 children
Coverage for employee, spouse & up to 2 children
15-days waiting period only (waiver available)
15-days waiting period only (waiver available)

What is covered under Digit Illness Group Insurance?

Hospitalization expenses

Hospitalization accounts for most expenses incurred when someone is infected with the coronavirus. The Digit Illness Group Insurance sufficiently covers for the same, without any restriction on the room rent! 

Road ambulance charges

This illness group insurance policy also covers for road ambulance charges, up to 1% of the chosen sum insured.

Second medical opinion

Sometimes, a second medical opinion is required, and the digit illness group insurance policy covers for that too! 

Pre & post hospitalization expenses

Medical expenses go beyond just hospitalization bills. This illness group insurance covers for pre-hospitalization expenses up to 30-days and post-hospitalization expenses of up to 60 days.

ICU expenses (no room rent restriction!)

Many severe cases of the coronavirus require treatment under the ICU. Digit’s illness group insurance policy covers for the same, without any room rent restrictions!

What is not covered under Digit's Group Illness Insurance?

Claims not related to treatment of the coronavirus are not covered. 

Testing for the coronavirus should be done in a government-authorized testing center only.

Cancellation of the policy is not applicable.

Treatment outside India is not covered.

Members already treated, quarantined or tested for the coronavirus before the purchase of the policy won’t be covered.

Home hospitalization (domiciliary care) is not covered.

The person insurer should not be suffering from any respiratory-related symptoms like severe cough, respiratory distress, breathlessness continuously from last 4 weeks at the time of buying this policy.

What are the benefits of Digit's Group Illness Insurance?

Affordable premium

Affordable premium

Generally, group health insurance policies premiums are comparatively cheaper than standard health insurance premiums. Additionally, since the digital group illness policy is specific to the COVID-19 only, the premiums for the same are affordable.

Coverage for dependents

Coverage for dependents

Digit’s group illness insurance is not only to cover your employees, but one can also include their dependents such as their spouse and up to two children, with each member receiving an individual coronavirus cover.

Minimum waiting period

Minimum waiting period

Unlike health insurance policies, the waiting period for Digit’s group illness insurance is up to 15-days only. Additionally, there is also a waiver possible!

Digital Processes

Digital Processes

Given that we’re a digital insurance company, all our processes – from buying to claims are digital and zero-touch.

One point of contact

One point of contact

No multiple points of contact or third parties are involved. Just one point of contact with Digit and that’s it!

Sufficient Sum Insured

Sufficient Sum Insured

Although this illness group insurance policy is dedicated to the COVID-19 only, you can pick a sum insured up to 3 lakhs, which is almost as much as even comprehensive corporate plans cover, but here it’s for a single illness!

Who should go for the Digit Group Illness Insurance?

Difference between Digit’s Group Illness Insurance and Digit’s Group Health Insurance?

Digit Illness Group Insurance

Digit Group Health Insurance

Digit’s Group Illness Insurance is a cover specific to a single illness and in this case, it is specific to covering hospitalization and treatment expenses of the coronavirus.

Digit’s Group Health Insurance is a comprehensive health insurance cover that covers treatment and hospitalization of many illnesses and diseases, including the covid-19 as well.

The premium for Digit Group Illness Insurance will be comparatively lesser since it comes with limited benefits and only focuses on the coronavirus.

The premium for Digit Group Health Insurance is slightly higher given that it covers for a range of healthcare benefits.

The Digit Group Illness Insurance doesn’t come with any add-ons or covers.

The Digit Group Health Insurance also comes with additional covers and add-ons such as critical illness cover, AYUSH, and daily hospital cash among others.

FAQs about Digit Illness Group Insurance