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 policyholder’s demise
Health Coverage	₹1 Crore to ₹3 Crore
Life Coverage	₹2,25,000 to ₹1 Crore
Paperwork	No financial documents required
Insurance Eligibility	The minimum age is 18, and 65 the maximum age limit
Policy Period Options	Health: 1 year, 2 years or 3 years (The policy can be renewed upon expiration) Term Life: Up to 65 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

Though you pay a single premium, the money is split between your health and life insurance. You still get two separate policies, with individual benefits and terms, but you don’t need to manage them separately.

Cashless Claims Settlement

Whether you’re hospitalised, need surgery, or face a medical emergency like an accident or psychiatric issue, the health part of this policy has your back.

Wide Range of Health Coverage

It pays for hospital rooms and ICUS, 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 insured, 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 insured 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 protects you and your family against medical expenses and life events. This policy combines health-related coverages with life-related benefits, providing a holistic approach 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. 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.

3. Day Care Procedure

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

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. 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

7. 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.

8. 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.

9. 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.

10. 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.

11. In-Built Personal Accident

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

12. Annual Health Check-Up

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

13. 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.

14. Optional Covers in Hospital

AYUSH Treatment: Covers alternative medicine treatments (Ayurveda, Unani, Siddha, Homeopathy) in registered AYUSH hospitals.
Consumables Cover: This covers the cost of consumable items like bandages, gloves, and other non-medical expenses that are generally excluded from standard policies.

15. Cumulative Bonus

If no claim is made during the policy year, the sum insured is increased as a bonus for the next year with no additional cost.

16. Network Hospital Discount

Offers a 10% premium discount if treated at network hospitals, with a 20% co-payment applicable.

Life-Related Coverages Under Digit Life Healthy Glow Policy

1. Death Benefit

Provides financial security to your family by paying a lump sum on death 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 annualized 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.
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.
Accelerated Terminal Illness Benefit: Pays death benefit if diagnosed with terminal illness expected to cause death within 6 months; 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.