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?
You can find the list of cashless network hospitals on the Digit app by searching with your city name or pin code. The app will show all the network hospitals with their names, distance, and contact details. Additionally, make sure to check for excluded hospitals in your area and avoid them for any treatment.
You can find the list of cashless network hospitals on the Digit app by searching with your city name or pin code. The app will show all the network hospitals with their names, distance, and contact details. Additionally, make sure to check for excluded hospitals in your area and avoid them for any treatment.
How can I get a soft copy of my health insurance policy?
You can easily download the soft copy of your health insurance policy from the Digit app. Just go to the list of your available policies, select the one you need, and download the document.
You can easily download the soft copy of your health insurance policy from the Digit app. Just go to the list of your available policies, select the one you need, and download the document.
Will I receive my E-card via email after my health insurance policy is issued?
Yes, once your policy is issued, Digit sends your Health E-card digitally via email. You can also download the Health E-card on the Digit app and access it anytime, anywhere, 24×7
Yes, once your policy is issued, Digit sends your Health E-card digitally via email. You can also download the Health E-card on the Digit app and access it anytime, anywhere, 24×7
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.
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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)
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?
No, wellness benefits cannot be carried forward to the next policy year. These benefits are valid for 1 year from the policy start date and are linked to the active status of your policy. However, if you renew your policy on time, you will continue to receive wellness benefits for the new policy year.
No, wellness benefits cannot be carried forward to the next policy year. These benefits are valid for 1 year from the policy start date and are linked to the active status of your policy. However, if you renew your policy on time, you will continue to receive wellness benefits for the new policy year.
How can I avail wellness benefits at Digit Insurance?
You can avail wellness benefits directly on the Digit app. There are 12+ wellness services, including doctor consultations, mental well-being support, diet and fitness plans, diagnostic tests, and other benefits to support your overall well-being.
You can avail wellness benefits directly on the Digit app. There are 12+ wellness services, including doctor consultations, mental well-being support, diet and fitness plans, diagnostic tests, and other benefits to support your overall well-being.
Is an annual health check-up covered under health policies?
Yes, free annual health check-ups are covered in your Digit health policy. However, the coverage may vary depending on the type of plan/policy you hold, so it's always best to read your policy document for detailed information.
Yes, free annual health check-ups are covered in your Digit health policy. However, the coverage may vary depending on the type of plan/policy you hold, so it's always best to read your policy document for detailed information.
Is the health insurance premium eligible for tax deduction under Section 80D?
Yes, under Section 80D of the Income Tax Act, you can claim deductions for health insurance premiums. You can get up to ₹25,000 for yourself, spouse, and children and an additional ₹25,000 for your parents (below 60 years). You can also get up to ₹50,000 if your parents are over 60 years old.
Yes, under Section 80D of the Income Tax Act, you can claim deductions for health insurance premiums. You can get up to ₹25,000 for yourself, spouse, and children and an additional ₹25,000 for your parents (below 60 years). You can also get up to ₹50,000 if your parents are over 60 years old.
How to renew my health insurance policy before expiry?
You can renew your health insurance policy before expiry on the Digit app by selecting the policy, reviewing your coverage, making any necessary updates, and completing the payment.
You can renew your health insurance policy before expiry on the Digit app by selecting the policy, reviewing your coverage, making any necessary updates, and completing the payment.
Will my health insurance policy issuance be delayed if KYC is pending?
Yes, your health insurance policy issuance can be delayed if your KYC verification is still pending. Completion of all required details and KYC is essential to ensure the timely issuance of your policy.
Yes, your health insurance policy issuance can be delayed if your KYC verification is still pending. Completion of all required details and KYC is essential to ensure the timely issuance of your policy.
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.
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.Â
- 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?
If you miss the health insurance renewal deadline, Digit offers a grace period up to 30 days (depending on your policy) to make the payment and renew without losing benefits. However, coverage remains inactive during this period unless your premium is being paid in instalments. If the grace period lapses without renewal, your policy may be terminated, and you’ll need to buy a new one.
If you miss the health insurance renewal deadline, Digit offers a grace period up to 30 days (depending on your policy) to make the payment and renew without losing benefits. However, coverage remains inactive during this period unless your premium is being paid in instalments. If the grace period lapses without renewal, your policy may be terminated, and you’ll need to buy a new one.
What documents are accepted for KYC in health insurance?
Aadhaar card, Voter’s ID Card, Driving Licence, and Passport are the accepted documents for KYC verification of identity and address in Digit health insurance, as per IRDAI guidelines.
Aadhaar card, Voter’s ID Card, Driving Licence, and Passport are the accepted documents for KYC verification of identity and address in Digit health insurance, as per IRDAI guidelines.
Do I need to resubmit KYC every year for health insurance renewal?
No, not necessary. If your KYC is already verified and there are no changes, you don’t need to resubmit it annually. However, if your policy has expired or if Digit requests it, you may need to re-upload.
No, not necessary. If your KYC is already verified and there are no changes, you don’t need to resubmit it annually. However, if your policy has expired or if Digit requests it, you may need to re-upload.
What documents are needed for porting a health insurance policy?
To port your health insurance policy, you’ll need your existing health insurance policy from your previous insurer, KYC documents, your medical details and claim history (if any).
To port your health insurance policy, you’ll need your existing health insurance policy from your previous insurer, KYC documents, your medical details and claim history (if any).
How to port my current health insurance policy to Digit?
You can port your health insurance policy through the Digit app by submitting your existing policy details and personal information. Once the request is received, a Digit representative will contact you and guide you through the process.
You can port your health insurance policy through the Digit app by submitting your existing policy details and personal information. Once the request is received, a Digit representative will contact you and guide you through the process.
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.
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?
To avail a cashless treatment, visit a Digit network hospital and present your Health E-card along with a KYC document (Aadhaar, PAN, Passport or DL) at the insurance desk. The hospital will initiate a pre-authorisation request, and Digit will coordinate directly with them.
To avail a cashless treatment, visit a Digit network hospital and present your Health E-card along with a KYC document (Aadhaar, PAN, Passport or DL) at the insurance desk. The hospital will initiate a pre-authorisation request, and Digit will coordinate directly with them.
How long does it take to get pre-approval for a cashless claim?
At Digit, most cashless claim pre-approvals are completed within 2 hours on the same day. However, in FY 2024-25, the average turnaround time (TAT) for pre-authorisation was around 26.93 minutes, with over 75% of requests approved within 30 minutes.
At Digit, most cashless claim pre-approvals are completed within 2 hours on the same day. However, in FY 2024-25, the average turnaround time (TAT) for pre-authorisation was around 26.93 minutes, with over 75% of requests approved within 30 minutes.
How quickly does Digit settle reimbursement claims once submitted?
At Digit, reimbursement claims take up to 3 working days for settlement after you have submitted all your documents. However, in FY 2024 - 25, the average turnaround time was just 2.43 days after all documents were submitted, with nearly 70% of claims settled within 2 days.
At Digit, reimbursement claims take up to 3 working days for settlement after you have submitted all your documents. However, in FY 2024 - 25, the average turnaround time was just 2.43 days after all documents were submitted, with nearly 70% of claims settled within 2 days.
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.
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.Â
- Upload all required documents (consultation document, medical bills, lab reports, KYC, etc) in the appropriate format to support your claim.Â
- 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)
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?
You can track the status of your reimbursement health claim anytime on the Digit app.
You can track the status of your reimbursement health claim anytime on the Digit app.
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
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?
You can claim pre and post-hospitalisation expenses on the Digit app by selecting your policy, providing the required details and uploading all the necessary documents (medical bills, KYC documents, cancelled cheque, etc). Digit will review and process the claim as per your policy terms.
You can claim pre and post-hospitalisation expenses on the Digit app by selecting your policy, providing the required details and uploading all the necessary documents (medical bills, KYC documents, cancelled cheque, etc). Digit will review and process the claim as per your policy terms.
What does it mean if my reimbursement claim is under investigation?
If your reimbursement claim is under investigation, it means Digit is conducting a detailed review of your claim, which may include verifying medical records or coordinating with the hospital.
If your reimbursement claim is under investigation, it means Digit is conducting a detailed review of your claim, which may include verifying medical records or coordinating with the hospital.
How do I claim the annual health check-up benefit?
You can claim the annual health check-up on the Digit app by selecting your policy, providing basic information about the check-up and uploading all the required documents (medical bill, lab test report, KYC document, cancelled cheque copy, etc). Once submitted, you’ll receive a timeline for the processing of your claim.
You can claim the annual health check-up on the Digit app by selecting your policy, providing basic information about the check-up and uploading all the required documents (medical bill, lab test report, KYC document, cancelled cheque copy, etc). Once submitted, you’ll receive a timeline for the processing of your claim.
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.
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?
Once you’ve successfully paid the premium, your health insurance policy will be issued instantly. You can access your policy 24x7 on the Digit app, anytime, anywhere.
Once you’ve successfully paid the premium, your health insurance policy will be issued instantly. You can access your policy 24x7 on the Digit app, anytime, anywhere.
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).
If you hide your pre-existing diseases before getting health insurance, it can lead to:Â
- 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?
To update your DOB, name or mobile number in your Digit health insurance records, you can call the customer service care on 18002585956 or email Digit at hello@godigit.com with your requirement and policy number. Once you update personal details, Digit typically processes and reflects the changes in up to 3 working days, depending on the document verification.
To update your DOB, name or mobile number in your Digit health insurance records, you can call the customer service care on 18002585956 or email Digit at hello@godigit.com with your requirement and policy number. Once you update personal details, Digit typically processes and reflects the changes in up to 3 working days, depending on the document verification.
What should I do if I haven’t received my health policy document yet?
If you haven’t received your health insurance policy, check it on the Digit app. If it’s still not visible, contact Digit’s customer support at 18002585956 for assistance.
If you haven’t received your health insurance policy, check it on the Digit app. If it’s still not visible, contact Digit’s customer support at 18002585956 for assistance.
Whom should I contact if my health claim status hasn’t changed in a while?
If your claim status hasn’t been changed for a long time, you can contact the Digit customer support at 18002584242 or email the issue to healthclaims@godigit.com.
If your claim status hasn’t been changed for a long time, you can contact the Digit customer support at 18002584242 or email the issue to healthclaims@godigit.com.
What is the process for cancelling a claim request?
To cancel a claim request at Digit, you can contact customer support at 18002584242 or email healthclaims@godigit.com. Provide all necessary details, including your claim number, date of filing, and reason for cancellation, to process the request.
To cancel a claim request at Digit, you can contact customer support at 18002584242 or email healthclaims@godigit.com. Provide all necessary details, including your claim number, date of filing, and reason for cancellation, to process the request.
What is the process to cancel my health insurance policy?
To cancel your health insurance policy at Digit, contact customer care at 18002585956 and provide the reason for cancellation. Remember, a refund can only be processed during the free look-up period (15 days from policy issuance). After the period is over, you may receive a partial or no refund, depending on the terms of your policy. It’s always best to review your policy document carefully before proceeding.
To cancel your health insurance policy at Digit, contact customer care at 18002585956 and provide the reason for cancellation. Remember, a refund can only be processed during the free look-up period (15 days from policy issuance). After the period is over, you may receive a partial or no refund, depending on the terms of your policy. It’s always best to review your policy document carefully before proceeding.
The Digit app is not loading or showing incorrect information. How can I report this?
If the Digit App is malfunctioning, you can:Â 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
If the Digit App is malfunctioning, you can:Â
- 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
Who should I contact if there’s an issue with my health policy renewal?
If you encounter any issues during or after renewing your Digit health insurance policy, please contact customer support at 18002585956 with your policy number and a brief description of the problem.
If you encounter any issues during or after renewing your Digit health insurance policy, please contact customer support at 18002585956 with your policy number and a brief description of the problem.
Where should I contact for a cashless health claim?
You can contact 7709996079 for a cashless health claim at Digit or email healthclaims@godigit.com with your issue or queries.
You can contact 7709996079 for a cashless health claim at Digit or email healthclaims@godigit.com with your issue or queries.