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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.
Have you ever put off a doctor’s visit just because you were worried about how much it might cost you? You’re definitely not alone! This is when a health insurance policy kicks in. It’s not just about hospital bills, it’s about giving yourself some peace of mind. 🙂
A 2025 report by the World Health Organisation says almost half the people around the world delay getting treatment for financial reasons. And it’s not getting any easier. Healthcare costs are going up every year and honestly, it’s scary to think about what could happen if you're not prepared.
So, in this article, we will walk you through why health insurance is so important today and how Digit could be a smart choice to protect you and your family from those rising costs. 💯
Health insurance serves as a financial safety net, helping individuals and families cover their medical expenses. When a person purchases a health insurance policy, they pay a premium to the insurance company in exchange for coverage of hospitalisation, treatments, surgeries, and other medical expenses, depending on the policy terms. Let’s take the example of Rahul to better understand on how a health insurance policy works:
Choose a Plan
Rahul selects a health insurance policy with ₹10 lakh coverage for himself.
Paying the Premium
Rahul pays a regular premium to keep the health insurance policy active.
Coverage and Benefits
The insurance covers hospitalisation expenses, doctor consultations, medicines, etc.
Medical Emergency
Rahul faces a medical emergency and needs hospitalisation.
Claim Process
Rahul informed the insurer & submitted the required documents. As a result, the insurance covers the expenses.
Renewal & Future Security
Rahul renews the policy every year to ensure continuous protection for his family.
If you believe that, read on.
Life is unpredictable. One day you're feeling fine, and the next, you might be dealing with a sudden illness or an unexpected accident. Hence, you must get a health insurance policy to protect yourself from such situations. Here are some more reasons you must consider for getting health insurance:
Who doesn’t want additional tax savings, right? According to Section 80D of the Income Tax, anyone who buys a health Insurance for themselves, or their parents can claim tax benefits on the annual premium!
Contrary to popular belief, many critical illnesses like cancer and heart diseases are today diagnosed in young people <40. A health Insurance ensures you will be financially covered in the likelihood of the same.
How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health Insurance to have your back in times of need.
More than anything else, a health Insurance is a smart investment to make that not only helps safeguard your health by always being there you financially but, also helps you with benefits like no claim bonuses which are an ultimate win-win for the long run!
According to the National Family Health Survey-3, 70% of urban and 63% of rural households depend upon private hospitals, where the cost of healthcare services is usually much higher than that of government-owned medical facilities. Thus, middle and upper-class individuals are more likely to seek services in a private hospital.
Imagine that because of some reason, you or a family member need treatment but don’t have enough funds for it so you put it off for some time. Health Insurance is important in such cases as it prevents this from happening and ensures you get your required treatments done on time.
Shubham Sinha
Deputy Product Manager
12 Lacs+
Policies Sold
2.5 Crore+
Live Insured
4.5 Lacs+
Claims Settled
2900 Crore+
Paid-in Claims
99%
Claim Settlement Ratio (FY'25)
9000+
Cashless Hospitals
Disclaimer: This count is for Group and Retail Health Insurance policies sold since inception up to March 31, 2025. This count is for Group and Retail Health Insurance policies covering number of people since inception up to March 31, 2025. This count is for total number of claims settled for Group and Retail Health Insurance policies since inception up to March 31, 2025. This amount is for claims settled for Group and Retail Health Insurance policies since inception up to March 31, 2025.
When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.
Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.
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.
Pre-natal and post-natal medical expenses are not covered, unless they lead to hospitalisation.
In case of a pre-existing disease, unless the 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.
Choosing the right health insurance plan can feel overwhelming, but it’s one of the most important decisions for your well-being and financial future. With so many options out there, how do you pick the one that truly suits your needs?
Let’s simplify it for you!
➤ Start by assessing what you require from your insurance.
➤ Next, consider your preferred doctors and hospitals.
➤ Then, evaluate the premium, deductible, co-pay, waiting period, coverage, and benefits.
➤ Also, check for additional benefits like maternity cover, wellness programs, or mental health services, which can be valuable as life changes.
➤ Finally, always review the terms and conditions carefully to avoid unexpected exclusions.
Remember! The more personalised the plan, the better. Choose wisely! 🙂
Still confused? Well, here is a video to understand how to choose the best health insurance plan for yourself
We understand that young people are a lot healthier and are often apprehensive to get a health insurance so early in life. However, getting a health insurance whilst you’re young means you will have cheaper premiums, cross waiting periods faster, can avail maternity benefits when the time comes and even use our OPD cover for minor treatments and injuries that can happen to just about anyone!
When you want to be that guardian angel and not only protect yourself, but your lovely family too. A health insurance for your family can be bought in the form of a family floater plan or an individual health insurance plan for each family member. With our special benefits such as No co-payment, zone based discounts, good health discount and more, our health insurance is perfect for families both big and small.
Whether you’re looking to protect yourself or your beautiful parents in their old age, our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalisation, no room rent capping and hospitalisation for coronavirus, our health insurance understands exactly what your parents need.
We understand that fitness enthusiasts are some of the most health conscious people out there. Whilst people like you are less prone to illnesses, buying a health insurance now can reap benefits such as cheaper premiums and tax savings whilst also coming to use in case of common workout injuries through our OPD benefit.
Maybe you already have your corporate medical insurance covering for you. But do you know they’re often really limited? Even if you don’t want to get a standard health insurance like say the Arogya Sanjeevani policy, you can instead opt for a top-up health insurance to cover amounts over and above your corporate plan.
Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy health insurance for your employees at an affordable premium, which won’t only ensure they’re protected but also keeps them happier as employee health insurance is a benefit all employees value!
A Bengaluru customer faced a serious and complex medical condition, leading to a treatment bill running into lakhs. Digit settled its highest health insurance claim in FY 2025, amounting to approximately ₹16.77 lakh.
What mattered more was how quickly and transparently we stepped in. From the initial notification to the final settlement, the entire claim was handled with empathy, clarity, and minimal stress.
At Digit, it’s not the size of the bill that moves us; it’s the trust behind every claim we settle. 🙂
At Digit, we believe health insurance is more than just hospital bills. This year, a patient undergoing treatment for malignancy received coverage not only for their hospitalisation but also for over 10 pre and post-hospitalisation visits, with a total payout exceeding ₹1.4 lakh. This reflects our commitment to supporting patients through every step of their recovery journey.
In fact, Digit paid out more than ₹27 crore this year alone towards pre and post-hospitalisation expenses, proving that genuine care extends before and after hospitalisation as well.
This is what we mean when we say insurance that supports the full journey, not just the hospital stay. 🙂
In FY2025, Digit proudly covered around 7,747 babies under their parents’ policies, protecting the newest generation with the same care and commitment as every policyholder.
Among these little ones, the most popular baby names were Shivansh and Fatima, reflecting the diverse families Digit supports across India. 🙂
This wouldn’t be possible without Digit’s flexible family health plans, which automatically extend coverage to newborns, making it easy for parents to safeguard their little ones from day one.
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 |
With your Digit Health Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself easier and more affordable:
Get expert medical advice anytime, anywhere.
Consult the best and most trusted therapists at affordable rates, with up to 50% off
Stay ahead of health concerns with affordable screenings and lab tests.
Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!
Pregnancy Care Programs, access to Mum Support Group, PCOS/PCOD Care Programs, Maternity Support and much more!
Stress and Pain relief covered with exclusive discounts on Physiotherapy consultation and session bookings.
Avail unlimited, free dental consultations and exclusive discounts on dental treatments.
Get flat 15% discount on Sexual Wellness Programs!
Personalised assistance for long-term health conditions.
Health insurance isn’t just about hospital bills and emergency coverage anymore; it’s about supporting your overall well-being every day. That’s where the Wellness Benefit in health insurance steps in! Designed to go beyond traditional coverage, wellness benefits offer access to preventive care, mental health resources, fitness programs, tele-consultations, and even discounts on dental care.
You also get access to monthly health sessions and wellness workshops through our WOW-12 campaign, which empowers you with the knowledge and resources to make healthier choices every day. 🙂
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
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
Buying or renewing a health insurance policy online is now as easy as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy or renew a health insurance plan:
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 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)
Get cashless treatment at 9000+ hospitals across India
After purchasing a health insurance policy, 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? 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.
Are you new to health insurance and confused about how cashless health insurance claims work? 🤔 Well, at Digit Insurance, the process is simple! The cashless claim is when your health insurance company directly settles the hospital bills on your behalf. Let’s walk you through how the cashless health insurance process works:
Visit a Network Hospital
Choose a hospital partnered with Digit.
Show Insurance Details
Present your health e-card or policy number and request approval.
Receive Treatment
Get treated without paying anything upfront (except deductibles).
Insurer Pays Directly
Digit will settle the bill directly with the hospital.
Pay Non-Covered Costs
Any exclusions or extra charges must be paid by you.
A reimbursement claim is when you first pay your hospital bills out of your own pocket and later get the amount refunded by your insurance company. This usually happens when you get treated at a non-network hospital or in situations where cashless isn’t possible. Let’s understand how the reimbursement claim process works step by step:
Get Treated at Any Hospital
Choose any hospital (network or non-network) for treatment.
Pay the Bills Yourself
Settle all the medical expenses upfront from your pocket and keep the bills.
Submit a Claim to the Insurer
Fill out the claim form and send it with the required documents.
Insurer Reviews the Claim
Insurer will verify the documents and approve the claim.
Reimbursement Process
Once approved, the insurer transfers the amount to your bank account.
When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Remember, not all of these documents may be necessary but your insurance provider may require them. Below is a list of essential documents required while filing a health insurance claim at Digit:
Hospitalisation Documents
✔ Original hospital bills & payment receipts
✔ Detailed discharge summary
✔ All diagnosis reports (lab tests, imaging, etc.)
✔ Doctor’s consultation & prescription copies
✔ Pharmacy and medicine bills
Cashless Documents
✔ Duly filled & signed claim form (Available at the hospital or on Digit’s website/app)
✔ Diagnosis report for confirming the need for hospitalisation
✔ Health E-card
KYC Documents
✔ Aadhaar Card (Identity & address proof)
✔ PAN Card (Financial verification)
✔ Photograph
✔ Bank Details (Passbook or cancelled cheque)
At Digit, in the second half of FY25, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.
Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.
At Digit, in the second half of FY25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.
While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.
Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2025 was just 2.43 days.
Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.
At the heart of smooth insurance experiences lies something you never see!! 😁
At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY2025 alone, they registered over 1.1 lakh claims, cutting down processing time.
No breaks and no delays. Fewer forms and faster care! ☺️
Notes: 1. Claims Settlement Ratio = (Claims Paid + Claims Closed)/(Claims outstanding at the beginning of the year + Claims Reported - Claims outstanding at the end of the year). 2. Reinsurance and coinsurance inward claims are not included.
The data below is for all the products as given in the table below:
Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.
Because when life takes a sudden turn, your insurance should move forward, not hold you back.
At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.
Quick settlements, zero confusion, and absolute peace of mind.
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Health Claims, out of 256 escalated claims for Digit, just 110 were health-related (including travel and personal accident). By year-end, 86 health claims were closed, with 21 resolved through mediation. Only 18 health claim decisions went in favour of customers.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Receiving a claim rejection can be frustrating, especially when you thought you had everything in order. Well, Digit Transparency Report 12.0 for FY 2025 shortlisted some common and completely unavoidable reasons why your health claims get rejected and how to avoid them:
Dr. Pankaj Shahane
VP Health Claims
Choosing the right health insurance plan in 2025 isn’t just about picking the cheapest option; it’s about finding a plan that truly fits your lifestyle, health needs, and future goals. From coverage benefits to claim processes and network hospitals, this guide will help you make an informed choice that protects you today and tomorrow. 😎
To choose the right insurance plan, start by assessing your coverage needs and looking for plans that meet those requirements. Evaluate additional benefits like sum insured restoration, high no-claim bonuses, value-added benefits, and annual health check-ups. Opt for a plan with comprehensive coverage to minimise out-of-pocket expenses.
Premium amount is a crucial factor to consider before choosing a plan. The higher the premium, the better the coverage. You should evaluate your monthly premium, deductible, and out-of-pocket costs and balance affordability with coverage.
Many policies have an initial waiting period in health insurance (usually 30 days) during which you cannot claim benefits for illnesses or treatments. Some policies may have waiting periods for specific conditions (e.g., pre-existing diseases, maternity, or specific surgeries). Consider these when evaluating a plan.
Check if the plan covers expenses incurred before hospitalisation such as diagnostic tests or consultations and for post-hospitalisation expenses such as follow-up visits, medications, etc.
Look for plans that allow customisation. Can you choose your sum insured, add riders (additional coverage), or tailor the plan to your specific needs? Customisation ensures flexibility.
Some insurers offer discounts for various reasons, such as family floater policies, long-term policies, or if you maintain a healthy lifestyle (e.g., non-smoker discount). Explore available discounts to optimise your premium.
Research the insurer’s reputation for timely claim settlements. Read reviews and consider the insurer’s responsiveness and support. Higher ratios imply better reliability. A higher claim settlement ratio indicates a greater chance of getting your claim settled easily.
When purchasing a health insurance policy, always confirm whether or not the policy covers the major or closest hospitals to your home. If your favourite hospital or one close to your home is insured, you will always have the benefit of making a cashless claim from the insurance provider in the event of a medical emergency.
One of the most important considerations when choosing a health insurance plan is lifetime renewability, which gives you the flexibility to renew your policy whenever you want. Therefore, while purchasing a health insurance plan, please be sure to enquire about the validity period and whether or not it offers lifelong renewability.
You are a Young, Healthy Youth in the Late 20s or Early 30s, Earning, and Have a Few Financial Responsibilities
You Already Have a Corporate Health Cover & do Not Wish to Spend too Much on Health Insurance
You Have a Family to Take Care of and Want to Cover Spouse + Kids
You are Looking to Secure Your Parents
My Family Has a Critical Illness History, do I Need to Buy Any Additional Health Cover?
Calculate your health insurance premium online in 2 mins. Here’s how:
Step 1
Login to your Digit account by entering your pin code and mobile number.
Step 2
Provide details of your family members, including the age of the eldest, then click "Continue" to customise your plan by choosing your Sum Insured and Plan.
Step 3
Review and apply any available discounts, enter your health habits, choose additional benefits, and complete the contact and member details.
Ever wonder how your health insurance premium is calculated? 🤔 Well, it depends on multiple factors such as your age, lifestyle, location and type of coverage you choose.
To know your premium in minutes, you can always use a health insurance premium calculator online to get quick and accurate estimates. However, let's understand how health insurance premiums vary at Digit based on healthcare costs across different cities, based on two zones.
Zone 1 - Delhi NCR, Greater Hyderabad, and Greater Mumbai.
Zone 2 - Rest of India.
Let's look at a practical example to understand how the premium works for one of our most popular health insurance plan, the 'Infinity Wallet Plan.'
Pritesh, a 35-year-old unmarried individual residing in Bangalore (Zone 2 city), has opted for the 'Infinity Wallet Plan' with a sum insured of ₹10 lakhs.
This table illustrates the starting premium amounts for a ₹10 lakhs sum insured under our Infinity Wallet Plan, varying by age group. The premium increases with age, reflecting the higher risk and potential medical costs associated with older age brackets.
Let’s face it! Hospital bills aren’t what they used to be. With medical costs going up faster, a ₹25 lacs health cover isn’t just nice to have - it’s a smart move!
This kind of coverage acts like a strong umbrella in a medical emergency. It gives you enough room to breathe during serious treatments or long hospital stays, where smaller covers might fall short fast. From surgeries to ICU stays, ₹25 lacs ensures you're not constantly checking your wallet when you should be focusing on recovery.
Additionally, having a ₹25 lacs sum insured offers peace of mind and financial security, reducing the risk of out-of-pocket expenses that could arise from unforeseen health issues.
Bonus Point: Opting for a higher sum insured early on can also help you lock in better premiums while you're still young and healthy. It’s an investment in your future self. 🙂
Disclaimer: Premiums vary depending on your age, plan type, health conditions, and other factors. The example shared is just for illustration.
Tanya Marwah
Head of Marketing
To add or remove members from your Digit Health Insurance policy, follow these steps:
Once processed, you will receive a confirmation.
An Individual Health Insurance is a policy which you may buy to cover you, your spouse, children and parents on an individual sum insured basis. This type of insurance policy covers your medical expenses for injury & illnesses related to hospitalisation, surgery costs, room rent, daycare procedures and more.
Suitable for young adults, self-employed individuals, or those without employer-sponsored plans.
A family floater health insurance is a type of health insurance plan wherein you and your family members share one plan. This means both your health insurance premium and sum insured would be shared amongst all members in the plan.
Suitable for families with spouses, children, and dependent parents.
A Group Health Insurance policy is a kind of benefit offered to the employees by the employer.
Suitable for employees in companies, members of associations, or organisations.
A Senior citizens health insurance policy is designed to cover the medical expenses for people above the age of 60 years.
Suitable for seniors and retirees above 60 years.
A Maternity cover can be bought as a rider along with the basic health insurance plan. All the expenses incurred in the prenatal stage, delivery and post-natal stage are covered.
Suitable for couples planning to start a family.
Critical illness insurance is a health plan designed primarily for middle-class families, which covers serious conditions such as cancer, open heart replacement, primary pulmonary hypertension, major organ transplant like end stage liver/lung/ kidney failure requiring regular dialysis, major organ/ bone marrow transplant, coma of specified severity, aorta surgery, etc.
Suitable for individuals concerned about major health risks.
You can buy a top-up policy if you seek an extension of a health insurance when you’ve already used the maximum claim amount. But such plans come with a “Deductible Clause.” So, in case of a claim the payment will be made over and above a defined limit mentioned in the policy.
Suitable for anyone with an existing health insurance policy.
A super top-up is just like an extension of your health insurance plan, which you can use when you’ve already used the maximum claim amount (during the year) from your primary insurance. However, a super top-up requires you to set a deductible in health insurance before purchasing, which you have to pay out of your pocket.
Confused? Imagine you have a base health insurance plan of ₹3 lakhs. Now, you also buy a super top-up plan of ₹10 lakhs with a ₹3 lakh deductible. If your total hospital expenses in a year go beyond ₹3 lakhs, the super top-up plan kicks in and covers the rest, even if it's across multiple hospitalisations.
Shashank Kumar
VP Product Development
One of the benefits of buying a health Insurance plan online is, that you have the chance and endless possibility to do your research and compare health Insurance plans online.
To make your decision-making process easier, here are a list of factors you should compare before buying the best health Insurance plan:
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For Youngsters
* Get insurance early in life.
* Go for a higher sum insured as it increases the amount you have in case of an Accidental Hospitalisation. 5-10 lakhs should be fine.
* Make sure you have a Critical Illness Cover included.
* If you plan to have a family in the future, choose a Maternity Benefit so that your waiting period is over in time.
For Families
* Insure all members of the family.
* Go in for a high sum-insured as it is distributed between all family members, you can keep 10 lakh per person and calculate the sum insured.
* If you have a floater plan, go in for a plan with Restoration Benefit cover in health insurance.
* Check the waiting periods for all benefits being offered.
* If you’re planning to insure your parents, check if it has common treatments like Knee Replacement, Cataract Surgery covered in Health insurance.
For Seniors
* With age the insurance premium goes up. So, if you already have a plan, you can increase its sum insured with a top-up plan.
* Make sure you check the kind of hospital tie-ups and service tie-ups your insurer is providing you.
* Check if the plan you’re getting has common treatments like Knee Replacement, cataract surgery covered.
* Check the sub-limits of the benefits being offered.
* Check the waiting period mentioned for different pre-existing diseases.
Vivek Chaturvedi
CMO & Head of Direct Sales
The right age and time to buy a health insurance is Now! Basically, you should buy yourself a health insurance as soon as you start earning. Buying a health insurance policy at an early age is a smart financial move. Here are some reasons why you should consider investing in a health insurance policy at an early age:
One of the primary benefits of buying a health insurance policy at an early age is that the premium is significantly lower. This is because younger individuals are considered less risky and have a lower probability of making claims. So, my premium for a 1 Crore health cover might seem high but it would still be much lower compared to the higher age groups.
Most health insurance policies come with a waiting period, which is the time during which you cannot make any claims. By investing in a health insurance policy at an early age, you can serve out the waiting period during your hale and healthy days and be covered when you need it the most.
Another benefit of investing in a health insurance policy at an early age is that you are less likely to require pre-medical tests. Most health insurance policies require pre-medical tests for individuals; hence, by investing in a health insurance policy at an early age, you can skip the pre-medical tests and avoid any complications.
Buying health insurance not just saves your pocket against ever-rising medical costs but also offers tax benefits for health insurance. Here are a few ways by which you can save tax through Health Insurance:
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The premium you pay towards a health insurance policy qualifies for a tax deduction under Section 80D of the Income Tax Act, 1961.
The Income Tax Act's Section 80D allows individuals to claim a deduction of up to ₹ 25,000 from their taxes for the health insurance paid within a particular fiscal year.
However, senior individuals (above 60 years of age) can claim a deduction of up to ₹ 50,000 per financial year.
Don't be confused! Watch this video to learn how to cut down your taxable income on your health insurance policy
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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.
When it comes to health insurance, there's no shortage of myths, like “young people don’t need it” or “all illnesses are covered from day one.” These common misconceptions can keep you from making smart, timely decisions. Hence, here are some popular health insurance myths and the facts that everyone should know before buying a policy:
Health insurance is an important investment that provides financial security in case of medical emergencies. Consider the below scenarios where you may want to reconsider not having health insurance:
While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs.
Also, an employer health insurance covers you only during your job tenure. Once you switch jobs and if there is a break between the next employer coverage, you are left without any insurance coverage in that period.
Some companies do not provide health cover during probation period. Owing to these reasons, it is important to review your employer's health insurance policy and consider investing in a separate individual health insurance policy to supplement it.
You might have a health insurance but with low sum insured. A low sum insured may not be sufficient to cover the medical expenses in case of serious illnesses-related hospitalisations. It is important to review your health insurance policy and consider increasing the sum insured based on your needs.
As a government employee, you might have health coverage under some specified government health schemes; however, please note that such facilities are available only at a few selected medical centres, generally concentrated in major metro cities. Hence, it is suggested to have an additional personal health cover to battle emergency situations when the government facility might not be accessible.
You might choose to opt for a lower premium health insurance policy with limited coverage. While this may save money in the short term, it may not provide adequate coverage when needed. It is important to strike a balance between premium and coverage and choose a policy that provides adequate coverage for your needs.
While health insurance can save additional taxes under Section 80D of the Income Tax Act, it should not be viewed only as a tax-saving tool. The primary function of Health insurance is to provide financial security and peace of mind in case of medical emergencies.
While you may be young and healthy now, medical emergencies can occur unexpectedly. Having health insurance can provide financial security and help you cover the cost of medical treatments and hospitalisation. Also, investing in health insurance at a young age can help you secure a lower premium and accumulate cumulative bonuses over time.
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