Health Insurance with OPD Cover

Fees for medically necessary consultations and examinations by medical practitioners to assess your health for any illness.

Medically necessary out-patient diagnostic procedures such as x-rays, pathology, brain and body scans (MRI, CT scans) etc... used to make a diagnosis for treatment from a diagnostic center.

Minor Surgical procedure such as POP, suturing, dressings for accidents and animal bite related outpatient procedures etc. carried out by a Medical Practitioner.

Medication drugs and medicines as prescribed by your medical practitioner.

If your doctor recommends that you really need to get a specific dental treatment done, it will be covered under OPD.

Hearing aids required for serious hearing conditions are covered.

This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.

Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.

A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no age based copayment involved!

Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.

ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured.

Get rewarded for every claim free year. If you do not make any claim in a year, some plans reward you with a discount in the next year. This extra discount is called Cumulative Bonus

Road Ambulance Charges

Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice.

This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement.

If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.

This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.

If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days.

Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same.