Health Insurance

Get Infinite Claims with an Infinite Backup of your Sum Insured

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Buy Health Insurance Policy Online in India

“I don’t need Health Insurance”

If you believe that, read on. 

The vector-borne disease fatalities are a problem in many regions. In 2020, our country recorded the highest number of malaria cases throughout the Asia Pacific region. [1]
Sedentary lifestyles
Almost 61 percent of Indian women and close to 47 percent Indian men are unhealthy based on their diet and sedentary lifestyle. [2]
Cancer Patient
In India, one in nine people are likely to develop cancer in his/her lifetime. Further, cancer cases are estimated to increase by 12.8 per cent in 2025 as compared to 2020. [3]
Medical Inflations
India’s current medical inflation rate is 14% – the highest amongst Asian countries in 2021. In 2023, a further 10% rise is foreseen. [4]
Mental Health
In fact, the share of mental health disorders out of the total diseases among adults stood at around 14.3 percent. [5]
Heart Disease
Heart disease has been one of the leading causes of death in India for over two decades, along with an increasing propensity for cancer and diabetes.

What's Great about a Health Insurance by Digit?

  • Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims! 
  • No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket. 
  • No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer. 
  • SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you. 
  • Get treated at any hospital - Choose from 16400+ of our network hospitals in India for a cashless treatment or opt for a reimbursement. 
  • Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

INFINITEEEEE Health Insurance with Digit Infinity Wallet Plan

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Health Insurance Options Suited for Everyone

Health insurance for the young & the restless

Health Insurance for the Young & the Restless

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!

Health insurance for the Great Indian Families

Health insurance for the Great Indian Families

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.

Health Insurance for the Old & the Wise

Health Insurance for the Old & the Wise

Whether you’re looking to protect yourself or, your beautiful parents. Our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalization, no room rent capping and hospitalization for coronavirus; our health insurance understands exactly what our parents need.

Health Insurance for Fitness Enthusiasts

Health Insurance for Fitness Enthusiasts

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.

Health Insurance for Corporate Hotshots

Health Insurance for Corporate Hotshots

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 for amounts over and above your corporate plan. It’s a win-win!

Health Insurance for Employees

Health Insurance for Employees

Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy a health insurance for your employees at an affordable premium which won’t only ensure they’re protected but, also keeps them happier as an employee health insurance is a benefit all employees value!

Health Insurance for Value Seekers

Health Insurance for Value Seekers

For those looking for affordable yet valuable health insurance plans, you could go for standard health insurance plans like the Arogya Sanjeevani Policy or even a top-up health insurance that even though has a deductible, comes with lower health insurance premiums.

What’s covered in our Health Insurance?


Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalization - due to Accident, Illness, Critical Illness or COVID

This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.

Initial Waiting Period

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.

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

Sum Insured Back Up

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. .

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
Unlimited Reinstatement in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.
Cumulative Bonus
digit_special 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!

10% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
Room Rent Capping

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..

Day Care Procedures

Health insurance covers medical expenses only for hospitalizations 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.

Worldwide Coverage
digit_special 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!

Health Check-up

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.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.
0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.
0.25% of SI up to ₹ 2,000 after every year.
Emergency Air Ambulance Expenses

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.

Age/Zone Based Co-payment
digit_special 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.

No Co-payment
No Co-payment
No Co-payment
Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalized.

1% of Base Sum Insured, Max up to ₹ 10,000.
1% of Base Sum Insured, Max up to ₹ 15,000.
1% of Base Sum Insured, Max up to ₹ 10,000.
Pre/Post Hospitalization

This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.

30/60 Days
60/180 Days
60/180 Days

Other Features

Pre-Existing Disease (PED) Waiting Period

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.

3 Years
3 Years
3 Years
Specific Illness Waiting Period

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 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

2 Years
2 Years
2 Years
Inbuilt Personal Accident Cover

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.

₹ 50,000
₹ 1,00,000
₹ 1,00,000
Organ Donor Expenses
digit_special Digit Special

Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization 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!

Domiciliary Hospitalization

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.

Bariatric Surgery

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 hospitalization for this treatment is for cosmetic reasons.

Psychiatric Illness

If due to a trauma, a member has to be hospitalized 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.

Consumables Cover

Before, during & after hospitalization, 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.

Available as an Add-On
Available as an Add-On
Available as an Add-On

What’s not covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

Key benefits of Health Insurance by Digit



Room Rent Capping   


Cashless Hospitals  

16400+ Network Hospitals across India  

Inbuilt Personal Accident Cover 


Wellness Benefits

Available from 10+ Wellness Partners

City Based Discount  

Up to 10% Discount  

Worldwide Coverage 


Good Health Discount  

Up to 5% Discount  

Consumables Cover  

Available as an Add-on

*Available only on Worldwide Treatment Plan

All is Well - Wellness Benefits for All Health Customers

How to Buy Health Insurance with Digit?

How to Renew Your Health Insurance with Digit?

How to File a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.
Cashless Hospitals by Digit

Digit's Cashless Network Hospitals

Get cashless treatment at 16400+ hospitals across India

How does a Health Insurance Claim Work?

Types of Health Insurance Options in India

Family floater health insurance

A family floater health insurance is a health insurance plan shared by the entire family!

Individual Health Insurance

An independent, individual health insurance plan customized just for you!

Health insurance for Senior Citizens

A customized senior health insurance plan designed to suit those above the age of 60 years. 

Super Top-up health insurance

super top-up plan comes to your rescue when you’ve exhausted your corporate plan or can’t pay from your pocket anymore. 

Group Medical Insurance

A group medical insurance can be bought for multiple people such as for employees of a company.

Maternity Health Insurance

A maternity health insurance is dedicated to cover for hospitalization expenses when your bundle of joy is on the way! 

Personal Accident Insurance

personal accident insurance covers for injuries & falls during unforeseen circumstances on the road! 

Arogya Sanjeevani policy

A standard health insurance that works well for value seekers. That’s what the Arogya Sanjeevani policy precisely is! 

Corona Kavach

Corona Kavach is a one-time shield to cover for hospitalization expenses due to the coronavirus.

Corona Rakshak

Corona Rakshak is a type of coronavirus health insurance that helps cover for the expenses incurred due to the covid by offering a lumpsum amount.

The Growing Health Insurance Accessibility and Awareness in India

Why Should You Get Health Insurance?

Invest in Your Health: Scenarios that Show the Importance of Health Coverage

The Right Age to Buy Health Insurance

Why should I buy a Health Insurance Online?

Buying a health insurance online is a quick process and can be done within a couple of minutes.
Thanks to digital friendly processes, buying a health insurance online means it is zero touch and contactless as compared to physically filling in forms or visiting an agent.
With all the information on your fingertips, you can easily evaluate health insurance plans at the comfort of your home and make a sound decision.
Buying a health insurance online could save you some bucks on your health insurance premiums since there are no middlemen involved.
Most of the insurers also provide wellness services that you can access on their mobile app. These include exclusive benefits like home healthcare, tele consultations, yoga and mindfullness and many more discounts, services and offers.

Save Tax through Health Insurance u/s 80D of Income Tax

Buying a health insurance not just saves your pocket against ever rising medical costs but also offers tax benefits. Here are a few ways by which you can save tax through Health Insurance:

Save Tax Through Premium Paid Towards Self, Spouse and Children

Under Section 80D of the Income Tax Act, 1961, you can avail tax deductions of up to ₹25,000 on the premium paid towards health insurance policy covering your immediate dependents. If you are a senior citizen, this limit goes up to INR 50,000. By investing in a good health insurance policy, you can claim tax deductions on the premium paid towards your own policy.

Save Tax Through Premium Paid for Parents

You can also claim tax deductions on the premium paid towards your parent's health insurance policy. If your parents are senior citizens, you can claim tax deductions of up to ₹50,000 and if they are below 60 years of age, you can claim a deduction up to ₹25000/- on the premium paid towards their policy. This can help you save a significant amount of money in tax deductions.

Save Tax on Preventive Health Check-Ups

Under Section 80D, you can claim tax deductions of up to INR 5,000 for the cost of preventive health check-ups for yourself, your spouse, children, and dependent parents. This means that you can not only stay healthy by getting regular check-ups but also save on tax at the same time.

Common Health Insurance Terminologies Simplified

Waiting period

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.

Pre-Existing Disease

Any disease or health condition that you already have had symptoms of or have been treated for before getting your health insurance policy is considered as a preexisting disease.

Daycare Procedures

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.

Pre-Hospitalization Expenses

Medical bills go beyond what you need to pay for your stay at the hospitalization. Medical expenses incurred before hospitalization are called pre-hospitalization expenses. For eg: Expenses due to diagnostic tests. 

Cumulative Bonus

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. This amount is usually decided by you while buying your health insurance policy.

Sum Insured

Sum insured is the maximum amount your health insurer will be able to cover for you in one year. 


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.

Things to Keep in Mind Before Buying a Health Insurance

Tips to Compare Health Insurance Plans

Factors Affecting Your Health Insurance Premium

How to Choose the Right Sum Insured?

Health Insurance Buying Tips

Which Medical Insurance Plan is Perfect for You

Choosing the right medical insurance plan can be a daunting task. Here are some guidelines to help you choose the right plan in different scenarios:

Popular Myths about Health Insurance

FAQs about Buying Health Insurance Policy in India