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How to File a Health Insurance Claim on the Digit App?
Filing a health insurance claim shouldn’t feel like a hospital visit — long, confusing, and stressful. With the Digit Insurance App, it’s as easy as a few taps on your phone.
Whether it’s a cashless claim, reimbursement or pre-post hospitalisation claim, Digit simplifies the process so you can focus on recovery, not paperwork. Let’s walk you through the exact steps to file your claim quickly and hassle-free, right from your smartphone.
Steps to File Health Claims Online through the Digit App
Follow the steps given below to file your health claims effortlessly!
Step 1
Navigate to Health Claim Filing Section
Download the Digit App using the QR code above or by clicking on the "File Health Claim" button. Log in and you'll be directed to the "File Health Claims Online" page. All your Active Health Policies will be available there.
Step 2
Select the Type of Claim
From the options, choose the type of claim you want to file. (Reimbursement or cashless, etc.)
Step 3
Enter Your Details
Fill out the Policy Details, such as name, relationship with the policyholder, mobile number, etc., as updates will be sent to both the policyholder and the person you select on this page.
Step 4
Provide Hospitalisation Details
Give a few details about the illness or accident, such as the details of the hospitalisation, the symptoms starting date, the first consultation date, the consultation hospital, total bill amount etc.
Step 5
Submit Your Documents
Upload documents such as the bill, consultation charges, discharge summary, test reports, valid ID proof, etc.
Step 6
Register & Relax
That's It! Your claims have been registered. You'll be presented with a timeline of the claim process and the information about the claim.
Documents Required to File a Health Insurance Claim
When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Below is a list of essential documents that may be required while filing a health insurance claim at Digit:
Hospitalisation Documents
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✔ Original hospital bills & payment receipts
✔ Detailed discharge summary
✔ All diagnosis reports (lab tests, imaging, etc.)
✔ Doctor’s consultation & prescription copies
✔ Pharmacy and medicine bills
Cashless Documents
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✔ Duly filled & signed claim form (Available at the hospital or on Digit’s website/app)
✔ Diagnosis report for confirming the need for hospitalisation
✔ Health E-card
KYC Documents
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✔ Aadhaar Card (Identity & address proof)
✔ PAN Card (Financial verification)
✔ Photograph
✔ Bank Details (Passbook or cancelled cheque)
Tips to Avoid Claim Rejections on the Digit App
Tips to Avoid Claim Rejections on the Digit App
There are certain reasons why your claim can be rejected, such as incomplete documentation, filing a claim before the waiting period, incorrect information, etc. Hence, here are some tips on how you can avoid claim rejections on the Digit App:
- Submit Complete and Correct Documents: Ensure that all required documents, including hospital bills, discharge summaries, prescriptions, and reports, are uploaded clearly and correctly. Missing or unclear documents are a common reason for rejection.
- File Within the Allowed Time Frame: Submit your claim within the time limit mentioned in your policy (usually 30–90 days for reimbursement claims). Late submissions may not be accepted.
- Check Policy Coverage Before Filing: Make sure the treatment or expense you're claiming is covered under your health insurance policy. Claims for excluded conditions or services will be rejected.
- Provide Accurate Personal and Treatment Details: Double-check your name, policy number, hospital details, and treatment dates before submitting. Any mismatch can lead to delays or rejection.
- Keep Original Bills Safe: Even if you upload scanned copies, insurers may ask for originals during verification. Losing them can affect your claim.
99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25
99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25
When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.
Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.
Digit’s Health Insurance Claim Numbers for FY 2024-25
75% of Cashless Health Claims Approved in Just 30 Minutes at Digit
When you're in a hospital bed, the last thing you want is paperwork stress. That’s where cashless claim approval swoops in like a superhero. 🤩
At Digit, in the second half of FY 2024 - 2025, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.
Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.
65% Cashless Discharge Approved in Just 60 Minutes at Digit
At Digit, in the second half of FY 2024-25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.
While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.
Almost 70% of Reimbursement Claims Settled in Just 2 Days
Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2024-25 was just 2.43 days.
Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.
1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25
At the heart of smooth insurance experiences lies something you never see!! 😁
At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY 2024-25 alone, they registered over 1.1 lakh claims, cutting down processing time.
No breaks and no delays. Fewer forms and faster care! ☺️
Filing a health insurance claim on the Digit App is designed to be quick, easy, and hassle-free. By following a few simple steps and keeping your documents ready, you can ensure a smooth claim experience.