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Sum insured
₹ {{travelCtrl.planChangedData.totalNetPremium ? travelCtrl.planChangedData.totalNetPremium : travelCtrl.totalNetPremium | rupeeFormatWithComma}} ₹ {{travelCtrl.planChangedData.discountedNetPremium ? travelCtrl.planChangedData.discountedNetPremium : travelCtrl.discountedNetPremium | rupeeFormatWithComma}}
(Excl. 18% GST)
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Digit Says: This amount is suggested basis the medical treatment costs in the country you are travelling to. $5,00,000 is the amount suggested basis the medical treatment costs in the country you are travelling to.
Medical Benefits
Medical Cover
- Emergency Medical & Accidental Cover
- Daily Cash Allowance
- Accidental Death and Disability on a flight
- Personal Accident
- Emergency Dental Treatment
God forbid if you fall ill or meet with an accident in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc.
What is not covered ?
If it is due to a condition or disease
- that was diagnosed before your period of insurance started
- for which you were advised by the doctor not to travel
- routine vaccinations or treatments or physiotherapy
- Any pre existing ailment/injury/disease is not covered
Digit Advantage Any injury due to adventure activity is covered, as long as the duration of the activity is one day. We offer separate Sum Insured for Medical as well as Accidental emergencies
When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses.
What is not covered?
Not applicable unless you are hospitalized due to an Emergency Accidental Treatment & Evacuation or Emergency Medical Treatment.
Digit Advantage Any injury due to adventure activity is covered. We offer separate Sum Insured for Medical as well as Accidental emergencies
While this cover has everything like the one above, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or inside the flight (Touchwood!).
What is not covered?
- Death or disability occurring after 365 days from the accident.
- Any temporary disablement
- Any medical or surgical treatment
Digit Advantage Any injury due to adventure activity is covered, as long as the duration of the activity is one day. We offer separate Sum Insured for Medical as well as Accidental emergencies
We hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support.
What is not covered?
- Any temporary disablement
- Any medical or surgical treatment
- Claims while boarding, dismounting or travelling in a flight
We have your pearly whites covered. Which is why, if something unexpected happens, like any accidental injury to your teeth we cover the charges incurred toward the emergency treatment to bring that smile back.
What is not covered?
- Any pre-existing ailment or disease or injury.
- Beauty and/or cosmetic treatment and/or reconstructive plastic surgery.
Travel Benefits
Smooth Transit Cover
- Flight Delay Common Carrier Delay
- Loss of Passport
- Delay of Checked-in Baggage
- Total loss of Checked-in Baggage
- Missed Connection
- Bounced Bookings
If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked!
What is not covered?
- If the airline was a good boy and informed you about the delay 6 hours before departure time. Also, for a single trip, only 2 delays are covered.
Digit Advantage Lower flight delay of {{ travelCtrl.blsflow ? '3' : '4'}} hours covered compared to the industry standard of 6 hours
The worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country.
What is not covered?
- If the loss or theft is not reported within 24 hours of you realizing it.
- Loss or damage to your passport is as a result of the confiscation or detention by customs, police or any other authority.
Digit Advantage 24x7 worldwide missed call facility, so in case of an emergency you never have to worry about connecting with us.
Waiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked!
What is not covered?
- If the baggage was caught at customs.
The last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out of three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount
What is not covered?
- If only something from inside your baggage is lost and not the entire bag itself.
- If you’ve been given a delay of checked-in baggage benefit already, it will be deducted from the final pay-out.
Missed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if you miss a pre-booked onward flight because of a delay in the flight.
Also there should be time gap of minimum 5 hours between scheduled arrival of incoming common carrier and schedule departure of connecting common carrier.
What is not covered?
- Any missed connection where time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than time excess required.
A cancellation in booking (flight/hotel) not due to your fault is frustrating, especially when in an unknown land. If something such happens, we will reimburse your expenses. (For e.g. If your ticket is cancelled because of over-booking on the airline)
What is not covered?
- If you have not checked-in on time.
- If the flight has informed you prior to you reaching the counter.
Other Benefits
Flexible Trip Cover
- Emergency Cash
- Emergency Trip Extension
- Trip Abandonment
- Trip Cancellation
- Personal Liability & Bail Bond
If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue.
What is not covered?
- If you come back to India and report the theft.
- If the police is not informed about the loss within 24 hours
Digit Advantage 24x7 worldwide missed call facility, so in case of an emergency you never have to worry about connecting with us.
We don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization..
What is not covered?
- Natural calamities not declared by an appropriate government body
- Trip extension due to childbirth or related matters
- Any pre existing ailment/injury/disease is not covered
Digit Advantage 24x7 worldwide missed call facility, so in case of an emergency you never have to worry about connecting with us.
If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses.
What is not covered?
- If you miss a connecting flight and are leaving the trip due to that.
- If the reason for returning was known to you before you started the trip like being pregnant or spouse expecting back home.
- Any pre existing ailment/injury/disease is not covered
Digit Advantage 24x7 worldwide missed call facility, so in case of an emergency you never have to worry about connecting with us.
If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip.
What is not covered?
- If you were aware of a medical condition that may affect your travel like pregnancy or a family member’s illness.
- If you were aware of a reason for which your plan can get cancelled for example a court summon.
- Cancellation due to a pre-existing disease.
- If your VISA application is rejected.
- Any pre existing ailment/injury/disease is not covered
Due to an unfortunate incident, if there are any legal charges against you while you are on the travel, we will pay for it.
What is not covered?
Incidents that
- exceed the limit of payments for any 1 claim
- have not occurred during your travel
- involves the third party suing you after your travel insurance has expired
Digit Advantage 24x7 worldwide missed call facility, so in case of an emergency you never have to worry about connecting with us.
Terms and conditions
- I hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/or particulars given by me are complete, true and accurate in all respects to the best of my knowledge and that I am authorized to propose on behalf of these other persons.
- I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the Company and that the policy will come into force only after full payment of the premium chargeable.
- I further declare that l will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the Company
- I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured /proposer has been made for the purpose of underwriting the proposal and/or claim settlement. I/We authorize the company to share information pertaining to my proposal including the medical records for the sole purpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.
- I authorize the company to share information pertaining to my proposal including the medical records of the insured/proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.”
- I agree that the Insurance company will not be liable under the insurance contract if it is found that any of my/our statements or particulars or declarations in this proposal form or other documents are incorrect /misleading /Fraudulent in any respect on any matter to the grant of a cover.
- I accept that this policy does not cover treatment or pre-existing medical conditions/diseases/ailments that are declared or undeclared unless specifically opted and premium paid.
- I accept that this policy will not be valid if the origin of my trip is not India.
- By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance) to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer you information and services for the product(s) you have opted for as well as other products/services offered by Digit Insurance. Please note that such authorization will be over and above any registration of the contact number on TRAI’s NDNC registry.
Holiday Home Protection
Covers contents inside the house, against:
- Burglary
- Natural Disasters like floods, storms, cyclones, and earthquakes
- Fire, lightning, explosion/implosion
In-built cover for jewellery upto 20% of total sum insured.Personal Accident cover upto ₹50,000
Why Choose Us?
Unique Holiday Home Protection
If you’re away from home for a holiday, we give you the option to choose this short-term burglary-cover with a lesser premium.
Prices at the cost of a Pizza
₹2 lakhs Sum Insured, starts from ₹199. That’s how much a pizza would cost, right? Funny how it costs the same to protect your home as it does to fill your tummy.
Jewellery coverage
You’re most worried about the jewellery, we know that. So, we’ve added it to the cover.
24*7 Customer Care
If you come back late at night and some damage is to be reported, we’re there for you.