FAQs about Digit Health Insurance
Please note: The policy-related information in these FAQs is for general guidance only. For complete and accurate details on your coverage, benefits, and terms, please refer to your policy document. In case of any difference, the policy document will prevail.
Where can I find the list of cashless hospitals under my health insurance policy?
How can I get a soft copy of my health insurance policy?
Will I receive my E-card via email after my health insurance policy is issued?
Will Digit notify me before my health insurance policy expires?
Yes, Digit sends renewal reminders 2 months in advance via WhatsApp, email, and app notifications before your policy expiry date. You can renew it on the Digit app.
What documents are needed to add a spouse or child to the health policy?
To add a family member (spouse or child) as a dependent, you’ll typically need to provide the following documents:
- For Spouse: KYC document and marriage certificate
- For a Newborn Child: Birth certificate, discharge summary, and vaccination certificate
- For a Child Above 3 Years: KYC document (Aadhaar card)
Can wellness benefits be carried forward to the next policy year?
How can I avail wellness benefits at Digit Insurance?
Is an annual health check-up covered under health policies?
Is the health insurance premium eligible for tax deduction under Section 80D?
How to renew my health insurance policy before expiry?
Will my health insurance policy issuance be delayed if KYC is pending?
How can I buy a new health insurance policy?
You can buy a health insurance policy on the Digit app by following these steps:
- Provide your basic details such as age, medical history, and family information.
- Select the sum insured, a suitable plan and customise it with add-ons & offers. Further, fill out the members' details.
- Make the premium payment and submit your KYC documents to complete the process.
- Digit may further request a health declaration, lifestyle questions, diagnosis and medical information. Now, based on your underwriting, your policy will be issued. You can access it anytime, 24/7, on the Digit app.
What happens if I miss the health insurance renewal deadline?
What documents are accepted for KYC in health insurance?
Do I need to resubmit KYC every year for health insurance renewal?
What documents are needed for porting a health insurance policy?
How to port my current health insurance policy to Digit?
Why is my KYC process for health insurance taking so long?
Your KYC process may be delayed due to the following reasons:
- Incomplete or incorrect documents, such as mismatched details between your KYC and application form.
- Uploading documents in the wrong format (not in JPG, JPEG, or PDF) or with an incorrect file size.
- Technical glitches like internet issues or server issues.
How do I initiate a cashless pre-authorisation request for hospitalisation?
How long does it take to get pre-approval for a cashless claim?
How quickly does Digit settle reimbursement claims once submitted?
How to file a reimbursement health claim?
To file a health reimbursement claim on the Digit app, you can:
- Select the policy and provide further details about the hospital, treatment and symptoms.
- Upload all required documents (consultation document, medical bills, lab reports, KYC, etc) in the appropriate format to support your claim.
- Once everything is submitted, Digit will review the documents and approve or reject the claim as per policy terms. Upon approval, the reimbursement amount will be credited directly to your bank account.
What documents will be required for a health insurance claim?
To file a health insurance claim with Digit, the documents required may vary depending on the type of claim:
- For Cashless Claims: Health E-card and KYC document (Aadhaar, PAN, Passport or DL)
- For Reimbursement Claims: Discharge summary, Medical bills, KYC document, Cancelled cheque, Consultation document (optional), Lab test reports (optional) and Other supporting documents (if applicable)
- For Pre and Post-Hospitalisation Claims: Medical bills, KYC document, Cancelled cheque, Consultation documents (optional), Lab Reports (optional) and Other supporting documents (if applicable)
- For Annual Health Check-up Claims: Medical bill, Lab test report, KYC document, Cancelled cheque copy, Consultation documents (optional), and Other supporting documents (if applicable)
- For OPD (Outpatient) Claims: Medical bills, Consultation documents, KYC documents, Cancelled cheque copy, Lab test reports (optional) and other supporting documents (if applicable)
How can I track the status of my reimbursement health claim?
Why was my cashless claim partially approved or rejected?
Some common reasons for your cashless claim rejections are:
- The particular treatment is not covered under your policy
- Sub-limits on room rent or specific procedures
- Incomplete documentation or KYC
- The waiting period has not been completed
- The hospital is not in the network list
How do I claim pre & post-hospitalisation expenses?
What does it mean if my reimbursement claim is under investigation?
How do I claim the annual health check-up benefit?
What should I do if I face an error while submitting my health insurance claim on the Digit app?
If you encounter an error during claim filing, you can:
- Check your internet connection and retry.
- Clear the app cache or restart the app.
- Ensure all mandatory fields are filled correctly.
- Check if your documents are in the correct format.
- If the issue persists, contact customer support at 18002584242 or healthclaims@godigit.com.
I’ve paid the premium for health insurance. When will I receive my policy?
What happens if I hide pre-existing conditions before getting health insurance?
If you hide your pre-existing diseases before getting health insurance, it can lead to:
- Claim Rejection: Any claim arising from a hidden condition may be denied.
- Policy Cancellation: Your policy can be terminated for non-disclosure.
- No Coverage for Related Illnesses: Coverage for the new illness may be denied if it’s linked to a previously undetected condition (e.g., diabetes leading to kidney issues).
How can I update my DOB, name, or mobile number in the health insurance?
What should I do if I haven’t received my health policy document yet?
Whom should I contact if my health claim status hasn’t changed in a while?
What is the process for cancelling a claim request?
What is the process to cancel my health insurance policy?
The Digit app is not loading or showing incorrect information. How can I report this?
If the Digit App is malfunctioning, you can:
- Restart the app or your device.
- Ensure you have a stable internet connection.
- Update the app to the latest version.
- Contact customer support at 18002585956