Digit Health & Term Life Combo Plan

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Digit Life Healthy Glow Policy: A Term + Health Combo Plan

The Digit Life Healthy Glow Policy is a unique insurance plan designed to meet the needs of individuals seeking comprehensive insurance solutions, offering peace of mind regarding both health and life coverage. This policy provides financial protection in case of medical emergencies and also pays out a benefit to your family if something happens to you.

The policy offers features such as affordable premiums, cashless health claims, tax benefits, worldwide coverage and an easy claim settlement process. Let us understand the Digit Life Healthy Glow Policy in detail.

Insight into Digit Life Healthy Glow Plan

Combining health and life insurance into a single policy offers comprehensive coverage, ensuring financial protection for medical expenses and life’s uncertainties.

Features	Details
Plan	Combination of health and life insurance
Health Benefits	Covers medical expenses, hospitalisation and critical illness
Life Benefits	Provides financial security, in the form of life coverage, to the family in case of the insured person’s demise
Health Coverage	₹1 Crore to ₹3 Crore
Life Coverage	₹2,25,000 to ₹1 Crore
Paperwork	No financial documents required (subject to underwriting)
Insurance Eligibility	The minimum age is 18 and the maximum is 65
Policy Period Options	Health: 1 year, 2 years or 3 years (The policy can be renewed upon expiration) Term Life: Covers age up to 80 years

What is the Digit Life Healthy Glow Policy?

Imagine a single insurance plan that takes care of both your health and your family’s future if something happens to you; that’s exactly what the Digit Life Healthy Glow Policy offers.

It’s a combo insurance product, which means it combines two things in one plan:

Health insurance to cover your medical expenses
Life insurance to provide financial security for your family if you pass away

The policy covers various health-related costs, such as hospitalisation, daycare procedures, ambulance services, and maternity benefits. It also contains life insurance benefits to ensure financial protection for the insured's family in the event of death.

Even though they come together in one neat package, each part works independently. Your health claims go to Go Digit General Insurance, and your life insurance benefits are managed by Go Digit Life Insurance.

Why Do You Need Both Health & Term Life Insurance Combo by Digit?

Most people opt for either a health plan or a term insurance plan, but the smarter choice is to have both. Here’s why you might need both:

The combo product offers dual benefits of health insurance and life insurance in a single plan, providing complete healthcare to you and your family along with financial protection through life insurance coverage
The health insurance component covers medical expenses related to hospitalisation, while the term life insurance component provides financial security to your family in case of your untimely demise.
The combo product offers an affordable premium for combined coverage, making it cost-effective compared to purchasing separate policies.
The health insurance part provides cashless claim facilities, easing the financial burden during hospitalisation.
Instead of managing two separate policies, you get both benefits in one combo product. It’s easier to track, pay for, and renew.
The term life insurance offers optional benefits such as protection against accidental death, total permanent disability, and terminal illness, enhancing the overall protection.

Key Features of Digit Life Healthy Glow Policy?

The Digit Life Healthy Glow Policy offers several attractive features that make it stand out, providing a complete solution for your security needs.:

Dual Coverage in One Plan

This plan effectively combines health insurance and life insurance. Instead of juggling two policies, you get both in a single, streamlined package, managed by two companies, but bought together.

Affordable Premiums

One of the standout features of this policy is its affordability. The premium is designed to be budget-friendly, making it accessible to a wide range of individuals and families. Despite its low cost, the policy does not compromise on the quality or extent of coverage, offering substantial benefits under both health and life components.

Cashless Claims Settlement

Whether you’re hospitalised, need surgery, or face a medical emergency like an accident or psychiatric issue, the policy offers a cashless claims facility across a network of partnered hospitals. This means that policyholders can receive treatment without having to pay upfront.

Wide Range of Health Coverage

It pays for hospital rooms and ICU, doctor fees, medicines, tests, pre- and post-hospital care, day care treatments (done in under 24 hours), home treatment (in some cases), Mental health, maternity, organ donor costs, and more.

Lump Sum Payout on Death

If the insured person passes away during the policy period, the nominee gets the entire sum assured, which could be used for paying off loans, managing household expenses and supporting children’s education.

Customisable Coverage

Policyholders have the flexibility to change their coverage with optional covers such as AYUSH treatment, consumables cover, network hospital discounts, and modifications for pre-existing conditions or waiting periods.

Flexibility and Portability

Policyholders can continue either the life or health policy if they wish to discontinue the other, providing flexibility. The portability options are also aligned with IRDAI guidelines.

Worldwide Coverage

Got a serious illness diagnosed in India and want treatment abroad? This plan can cover it, but only if the diagnosis is made in India first, and you get approval in advance.

Personal Accident Coverage

In case of accidental death, the policy provides 100% of the sum assured to your nominee, offering financial security for your family during unexpected tragedies.

Tax Benefits

Under Sections 80D and 80C of the Income Tax Act, policyholders can enjoy tax deductions on health and life coverage premiums.

What is Covered in the Digit Life Healthy Glow Policy?

The Digit Life Healthy Glow Insurance Policy offers comprehensive protection, covering both medical expenses and providing life insurance coverage. This combined policy provides financial support during health emergencies and ensures a life insurance payout to your beneficiaries in the event of an untimely death, offering a comprehensive solution to your insurance needs.

Below is a detailed list of what is covered under the policy:

Health-Related Coverages Under Digit Life Healthy Glow Policy

1. Hospitalisation Cover

Covers medical expenses for inpatient hospital stays due to illness or injury, including ICU, doctor fees, nursing, medicines, surgery, and diagnostic tests.

2. Day Care Procedure

Day care procedure covers treatments or surgeries that do not require 24-hour hospitalisation, such as chemotherapy, dialysis and cataract surgery.

3. Pre- and Post-Hospitalisation

Pays for medical expenses before hospitalisation (consultations, tests, medicines) and after discharge for follow-up treatments after discharge within a defined period.

4. Road Ambulance

Provides coverage for the expenses of road ambulance services in case of emergency hospitalisation. This includes transportation from home to the hospital or from one hospital to another if required.

5. Bariatric Surgery

Covers bariatric surgery if it is medically necessary and advised by a doctor due to obesity-related conditions like severe diabetes or heart disease, excluding cosmetic bariatric surgery.

6. Health Check-Up

Covers expenses for health check-ups based on the sum insured. This can include tests like ECG, thyroid profile and other routine examinations.

Note: This benefit is applicable provided the customer has continued the policy with us without any break, and will be offered at the end of each block of continuous policy years.

7. Home (Domiciliary) Hospitalisation

Covers treatment expenses if the insured requires hospitalisation at home due to a lack of available hospital beds or if the patient's condition makes it impossible to move to a hospital.

8. Organ Donor Expenses

Covers medical costs for organ donation surgery and related pre- and post-hospitalisation expenses for the donor (up to 5% of sum insured), subject to waiting periods. There is a waiting period as specified in your policy, subject to terms and conditions.

9. Emergency Air Ambulance

It covers the cost of air ambulance transportation to the nearest hospital for life-threatening emergencies that require immediate treatment. This is only within India, and return transport is not covered. T&C prior approval is required, and a road ambulance must be unavailable or unsuitable.

10. Maternity and Newborn Cover

Includes delivery expenses, pregnancy complications, lawful termination, and medical care for newborns up to 90 days, including vaccinations as per the National Immunisation Schedule

11. Worldwide Coverage

Covers medical expenses incurred outside India up to the sum insured. Payments are made in Indian rupees, and prior approval is required for treatment abroad (cashless claims are generally not available abroad; claims are reimbursed).

12. Sum Insured Backup

Provides an additional 100% of the insured amount as a backup for hospitalisation costs if the initial sum insured is exhausted due to related or unrelated claims within the same policy year. The backup won't be used if the first claim exceeds the insured amount.

13. In-Built Personal Accident

Pays 100% of the sum assured to the nominee in case of accidental death within 12 months, including accidents like drowning or missing body cases.

14. AYUSH Hospitalisation Cover

It is an in-built cover under the Hospitalisation section. It pays for medical expenses incurred for in-patient treatment under Ayurveda, Unani, Siddha, or Homeopathy at registered AYUSH hospitals. Coverage is up to the sum insured mentioned in the policy schedule.

15. Optional Benefits in Health

This allow policyholders to enhance their coverage beyond the standard benefits, addressing specific health concerns or financial risks that may not be fully covered under the base plan.

Consumables Cover: This optional cover reimburses expenses for non-medical items related to hospitalisation such as walking aids, crepe bandages, belts, and other personal comfort items listed in Annexure A that are otherwise excluded from standard policies.
Network Hospital Discount: A 10% discount on the policy premium is offered if the insured opts for hospitalisation only in network hospitals. If treatment is taken in a non-network hospital a co-payment of 20% on claim applies.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification: Allows llows reducing or waiving waiting periods for pre-existing and specified diseases, and the initial waiting period for non-accidental illnesses, subject to terms and continuous coverage.

Life-Related Coverages Under Digit Life Healthy Glow Policy

1. Death Benefit

Provides financial protection to your family by paying a lump sum amount upon the death of the insured person during the policy term. The amount paid is the highest of:

105% of total premiums paid (excluding extra premiums, riders, and taxes)
10 times the annualised premium
Sum assured on death

2. Optional Benefits in Life

You can add extra benefits to your policy by paying an additional premium, but these are not available for point-of-sale (POS) policies. The extra benefits include:

Accidental Death Benefit (ADB): Pays an additional 100% of the sum assured if death occurs due to an accident within 180 days of the accident. Once the Additional ADB is paid, the policy terminates.
Accidental Total and Permanent Disability (ATPD) Benefit: Pays 100% of the sum assured if total permanent disability occurs due to an accident within 180 days of the accident. Once the ATPD benefit is paid, the policy terminates.

On payment of the Additional ATPD Benefit, insurance cover for this specific benefit under the policy terminates. However, the policy will remain active for in-force Death Benefit and other applicable Optional Benefits (if any) for the remaining Policy Term, subject to the terms and conditions of the policy.

Accelerated Terminal Illness Benefit: Pays death benefit if diagnosed with terminal illness expected to cause death within 6 months of diagnosis. The policy terminates after payout.

3. Wellness Benefits

We offer wellness benefits that encourage you to prioritise your health and maintain a healthy lifestyle through various services. It includes:

Doctor on Call
Wellness Coach
Lab and Pharmacy Services
Vital Monitoring
Medical Wallet
Home Care
Ambulance Arrangement
Mental Wellbeing
Physiotherapy
Childcare and OPD Services

These services are provided through empanelled service providers and the cost must be borne by the policyholder.

Note: The above cover is subject to terms, conditions, warranties, deductibles, co-payment, limitations and exclusions mentioned in the Policy. Please read your policy documents to understand the terms and conditions clearly.