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Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
You know what they say, life always comes back full circle.
The hands that once held ours, guiding and protecting us, now reach for our support as they enter their old age. Now it’s our turn to shield them, especially regarding health. So, what better way to show our care than to secure a reliable health insurance plan for senior citizens?
After all, it’s our way of saying, “We’ve got you covered, just as you always had us.”😌
A Senior Citizen Policy is a type of health insurance policy customised for people over 60 years old.
This health insurance for senior citizens is designed to suit the needs of elderly people and financially covers for medical expenses such as critical illnesses and accidental hospitalization, annual health checkups, day care procedures, while it also includes special benefits such as home hospitalization and psychiatric support.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy:
Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.
You can reduce your pre-existing disease waiting period to up to 2 years.
This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalised in non-network hospital.
In case of a pre-existing disease, unless the health insurance waiting period is over, the claim for that disease or illness cannot be made.
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
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23 Feb 2025
Satya ch.
04 Jan 2025
मैं अपनी निजी अनुभव पर बता रहा हूं कि भारत की सबसे अच्छी हेल्थ इंश्योरेंस की कंपनी डिजिट इंश्योरेंस है मात्र एक सप्ताह में मुझे बिना किसी परेशानी के मुझे इस कंपनी ने क्लेम की राशि दे दी मे डिजिट कंपनी का हृदय से आभार व्यक्त करता हूं
प्रभाकर श्रीवास्तव
25 Feb 2025
Siddhartha Mudgala
18 Aug 2024
Jaimin Chauhan
14 Nov 2024
Anand Patel
09 Dec 2024
MKS
08 Oct 2024
Gaurav Hire
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
9000+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 10+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes* |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
The older people get, the more they are prone to illnesses and medical emergencies both big and small. A health insurance for senior citizens helps one cover for expenses that could arise due to the same.
Senior citizens often require hospitalization or treatments at home. Depending on their health condition, a health insurance for senior citizens can cover for the same.
Our health insurance for senior citizens also includes psychiatric care, ensuring not only physical but mental wellbeing too.
The icing on the cake! Anyone who purchases a health insurance for oneself and their senior parents, will be benefited with a tax redemption as per Section 80D of the Income Tax Act.
In every health insurance, you have two ways to make a claim; one of which is by availing cashless treatments at any of our network hospitals, ensuring both financial security and consequently your peace of mind.
One of the benefits of a health insurance for senior citizens is the higher sum insured because of the risks and needs associated to their health.
Life is a journey through stages, from carefree childhood to bustling adulthood and golden years.
At every step, health insurance stands as your shield, safeguarding against unexpected medical costs. It ensures access to quality care and protects your savings from life’s uncertainties.
Watch the video to learn how health insurance works through different stages of life.
To buy a health insurance plan for a senior citizen, choose the provider that best suits your needs. For example, if you choose a provider like Digit Insurance, here are the steps you can follow:
Visit Digit’s Website or App
Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.
Enter Basic Details
Share information like age, family members to be covered, and any medical history or pre-existing disease.
Choose Your Plan
Select your coverage amount and add any rider if needed. Proceed and fill in additional details.
Make Payment
Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.
When purchasing a senior citizens health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that can be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License
✔ Birth Certificate
Address Proof
Income Proof
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
After purchasing a health insurance policy for a senior citizen, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Are you thinking of how to file a health insurance claim for a senior citizen? Well, if you are filing for a cashless claim, confirm if your hospital is in Digit’s Network list. Inform Digit in time, submit the pre-authorisation form via the hospital, and enjoy cashless treatment! 🙂 Here are the steps to file and track a claim:
Get Treated & Save Everything
Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).
Open Digit App & File Claim
Log in to the Digit App. Navigate to the ‘File a Health Claim’ section on the app. Choose the policy & type of claim you are filing and other details.
Submit all the Documents
Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.
Register Claim & Relax
Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.
Get cashless treatment at 9000+ hospitals across India
The amount of time you need to wait before you can start using any benefits of your health insurance policy.
Copayment means you and your insurer are going to split the bills, i.e. While your insurer will pay for a large share of the bill, some part of it would have to be paid by you.
Sum Insured in Health Insurance is the maximum amount your health insurer will be able to cover for you in one year.
When one needs to be admitted to the hospital for a treatment or operation, but for less than 24 hours only. These treatments are referred to as daycare procedures in health insurance.
Medical bills go beyond what you need to pay for your stay in the hospital. Medical expenses incurred before hospitalisation are called pre-hospitalisation expenses. For eg: Expenses due to diagnostic tests.
When you don’t make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called as cumulative bonus.
Some health insurance plans require you to pay from your pocket before they can cover for you. This amount is called a deductible in health insurance. This amount is usually decided by you while buying your health insurance policy.
Any disease or health condition that you have already shown symptoms of or received treatment for before buying a health insurance policy is known as Pre-existing disease. A pre-existing disease cover in health insurance determines when and how such conditions will be covered in your policy.
When you’re not too happy with your current health insurer and want to switch without having to lose out on waiting periods. This process is called portability in health insurance.
In addition to guaranteeing that medical costs would be covered, a senior citizen health policy enables you to take advantage of a tax deduction under section 80D of the Income Tax Act of 1961.
If you have a mediclaim for senior citizens (your ageing parents), you can receive an income tax refund of up to Rs 50,000. And, every fiscal year, you can also receive an extra Rs 5,000 tax refund on payments for preventive medical examinations.
For example, Smita (28 years old) pays a premium of Rs 30,000 annually under health insurance for herself. In addition, she also pays a premium of Rs 40,000 annually for her parents (aged above 60 years). In such a case, what will be her tax deductible?
Hence, in Smita’s case, she can claim a total tax deduction for senior citizens under section 80D in a year of 65,000 after paying a premium for himself and his old-age parents. However, the maximum she can get is a deductible of Rs. 75,000, including her and her old-age parents.
In addition to health insurance provided by several health insurance companies, the Indian government provides medical insurance for senior citizens and sufficient health coverage for the elderly. Few of these plans are directly under government control. However, some are provided by state-run insurers.
Ultimately, caring for our elder parents is about honouring the love and sacrifices they’ve poured into our lives. A health insurance plan for senior citizens isn’t just about handling medical expenses—it’s about giving them the freedom to embrace life without worry.
With a solid health plan, we can ensure their comfort, safety, and happiness as they continue to enjoy the moments that matter most.
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