Get Health Insurance Policy Online
Only 1 Year Waiting Period*. Switch to Digit.
Happy Couple Standing Beside Car
{{healthCtrl.residentPincodeError}}
{{member}} {{ healthCtrl.getMemberCount(member) }} close
Add member
{{healthCtrl.familyComposureError}}
Send OTP OTP Sent {{healthCtrl.mobileNumberError}}

I agree to the  Terms & Conditions

Port my existing Policy
{{healthCtrl.residentPincodeError}}
Send OTP OTP Sent {{healthCtrl.mobileNumberError}}
{{healthCtrl.otpError}}
Didn't receive SMS? Resend OTP

I agree to the  Terms & Conditions

Port my existing Policy

YOU CAN SELECT MORE THAN ONE MEMBER

{{healthCtrl.patentSelectErrorStatus}}

  • -{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids
    (s)

DONE
Renew your Digit policy instantly right

How to Choose Between Long-Term and Short-Term Health Insurance?

What is a Short-Term Health Insurance Plan?

What is a Long-Term Health Insurance Plan?

The Difference Between Short-Term and Long-Term Health Insurance Policies

Particulars

Short Term Health Insurance

Long Term Health Insurance

Policy Period

Less than 1 year

More than 1 year

Premium

Lower when compared to long-term health insurance

Higher than short-term health insurance

Coverage

Specific expenses are covered, ex. hospitalization for a particular illness

Covers hospitalization for a wide range of illnesses and treatments, as well as various other benefits.

Pre-existing Conditions

Usually not available

Available

Add-on Covers

Usually not available

Available

Suitable for

People who are looking for short-term coverage, ex. NRIs or international students, or coverage for specific illnesses like COVID-19.

People looking for long-term protection or comprehensive coverage.

What Are the Pros and Cons of Short-Term Health Insurance?

What Are the Pros and Cons of Long-Term Health Insurance?

Frequently asked questions