Digit Life Term Insurance is a pure protection plan. This means that if the life assured passes away during the policy term, the nominee will receive the entire sum assured as a death benefit. The coverage applies to death caused by illness, natural causes, or even accidents.

The main goal of Digit Life Term Insurance is to provide financial protection to the family in case of the policyholder’s unfortunate death. As long as premiums are paid on time and the policy is active, the nominee is guaranteed the coverage amount, ensuring peace of mind.

Some deaths are not covered under Digit Life Term Insurance. The major exclusions include:

• Suicide within the first 12 months (only 80% premiums returned)
• Death due to war, terrorism, nuclear or chemical attacks
• Death while participating in illegal or criminal activities

Understanding these exclusions is important to avoid claim rejections.

Digit Life offers several optional riders to increase the coverage:

• Accidental Death Benefit Rider
• Accidental Total and Permanent Disability Rider
• Terminal Illness
• Critical Illness Rider (soon to be included in future offerings)

These riders can be added to customise the policy according to your personal and family protection needs.

If your policy lapses due to non-payment:

• No benefits are payable during the lapsed period.
• You can revive the policy within 5 years from the date of the first unpaid premium.
• Revival requires payment of overdue premiums and may involve health declarations or medical checks.
• If not revived within the allowed period, the policy will be terminated permanently.

Yes, you can change your nominee after purchasing Digit Life Term Insurance. The process involves submitting a nomination change form along with relevant documents like the identity proof of the new nominee. 

This can be done anytime during the policy term, and there’s no limit to how many times you can update the nominee. It’s important to keep nominee details accurate to avoid claim issues later. If the nominee is a minor, a custodian must be appointed to manage the claim.

You can update or modify nominee details by contacting Digit Life Insurance through any of the following:

Call: 1800-296-2626

WhatsApp Chat Support: 9960126126

Email: life@godigit.com

They will guide you through the process, which may involve submitting a nominee update form and relevant ID proof.

Digit Life offers policy issuance within 7-15 days in many cases. If your application meets predefined criteria (e.g., you're young, healthy, and have no major medical history), the policy can be issued within minutes to a few hours.

However, if additional documents or medical tests are required, the issuance may be delayed until those are completed.

Yes. Digit Life follows video KYC verification as part of its digital onboarding. This step ensures customer identity is validated securely without physical paperwork. The process is simple: 

You connect via a video call, show your Aadhaar/PAN, and confirm personal details.

Yes, if you miss your premium payment and exceed the grace period (usually up to 30 days), late payment charges may apply. These can include:

• Overdue premium amount
• Interest or penalty fees

To avoid these, it's best to pay premiums on time or set up auto-debit options

To file a claim, please email lifeclaims@godigit.com with the following details in the format below:

• Policy Number
• Name of the Insured
• Type of Claim (e.g., Death / Critical Illness)
• Date of Death
• Cause of Death
• Date of Diagnosis (for critical illness claims)
• Contact Number
• Email ID

Once submitted, you will receive an auto-generated ticket number from Digit. All future communication regarding the claim should be done on the same email thread.

The following documents are generally required for a Digit Life Term Insurance death claim:

• Intimation letter or Duly completed Claim Form signed by the Claimant.
• KYC document of Insured Member and Claimant.
• Attested copy of the Death Certificate of the Insured Member issued by the Indian Government Authority.
• Medical treatment records (discharge summary/death summary, investigation reports, etc.) if the Insured Member has taken treatment for an illness leading to his/her death.
• A copy of the PAN card of the nominee or claimant
• Bank account details of the nominee or claimant (Cancelled cheque or passbook copy with IFSC code)

Digit Life may request additional documents if needed during claim assessment.

The following documents are typically required to process a death claim under Digit Life Term Insurance in the event of an accident or unnatural death:

• Intimation letter or Duly completed Claim Form signed by the Claimant.
• KYC document of Insured Member and Claimant.
• Attested copy of the Death Certificate of the Insured Member issued by the Indian Government Authority.
• Medical treatment records (discharge summary/death summary, investigation reports, etc.) if the Insured Member has taken treatment for an illness leading to his/her death.
• Police Records - Attested copy of First Information Report, Panchnama / Inquest Panchnama.
• Newspaper cutting/Photograph of the accident, in case of Accidental Deaths.
• Attested Copy of Postmortem Report (Only if conducted).
• Attested Copy of Viscera report if any (Only if Postmortem is conducted) 
• A copy of the PAN card of the nominee or claimant
• Bank account details of the nominee or claimant (Cancelled cheque or passbook copy with IFSC code)

Digit Life may request additional documents if needed during claim assessment.

The following documents are typically required to process a Critical Illness death claim under Digit Life Term Insurance:

• Duly completed Claim Form signed by Claimant.
• Medical Report(s) (Current and past) including Investigation test(s), treatment report(s) and indoor case papers
• Hospital Summary/Discharge Card
• Medical Practitioner’s Certificate confirming the current health status (Details of diagnosed Illness/Treatment advice)
• KYC document of the Claimant
• A copy of the PAN card of the nominee or claimant
• Bank account details of the nominee or claimant (Cancelled cheque or passbook copy with IFSC code)

Digit Life may request additional documents if needed during claim assessment.

To process a Critical Illness Benefit claim under Digit Life Term Insurance where the Life Assured has not survived until the end of the policy term, the following additional documents may be required:

• KYC document of Claimant and Life Assured
• Medical certificate confirming the cause of death (Form 4A)
• Attested copy of the Death Certificate of the Life Assured issued by the Indian Government Authority.
• Death Summary, which confirms the treatment given before death and what all conditions led to death (in case of hospitalisation death)
• In case of death at home, all the consultation and treatment records before death, the medical certificate/Attending Physician statement confirming the possible reason of death.
• A copy of the PAN card of the nominee or claimant
• Bank account details of the nominee or claimant (Cancelled cheque or passbook copy with IFSC code)

Digit Life may request additional documents if needed during claim assessment.

Yes, a claim can be rejected if policy terms are violated. Common reasons include:

• Non-disclosure of medical conditions or lifestyle habits (like smoking, drinking)
• Death due to excluded causes (suicide in the first 12 months, war, terrorism, etc.)
• Incorrect or fraudulent information during policy purchase
• Non-payment of premiums leads to a lapsed policy

To avoid rejection, it is essential to be honest while applying and keep the policy active.

Yes. In case of claim disputes, you can escalate to the Insurance Ombudsman under IRDAI guidelines. Digit Life recommends a three-level grievance redressal process:

Level 1 - Contact Digit Life Support

• Email: lifeclaims@godigit.com
• Call: 1800-296-2626 or 9960126126

Level 2 - Escalation

If unresolved within 8 weeks from date of complaint, escalate to their internal grievance team.

• Email: lifegro@godigit.com
• Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095

Level 3 - IRDAI IGCC

You can also use the IRDAI IGCC portal or approach the Consumer Court if needed.

• Toll Free Number: 155255 (or) 1800 4254 732
• Email: complaints@irdai.gov.in 
• Website: http://igms.irda.gov.in
• Address: Survey No. 115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad, Telangana State - 500032

To ensure the claim is not rejected, the nominee should:

• Inform Digit Life quickly after the policyholder’s death or within 90 days from the date of the insured event
• Submit all required claim documents without delay.
• Ensure the policyholder had declared all medical and lifestyle details honestly during purchase.

By following the correct process, the nominee can ensure smooth and quick claim settlement.

Carefully review the claim rejection letter from Digit Life. It will outline the specific reason(s) for denial, such as non-disclosure, incomplete documentation, or policy exclusions. Compare the rejection reason with the policy terms and conditions to identify any discrepancies

• Collect all relevant documents, such as a copy of the original policy, rejection letter, submitted claim documents and any additional evidence that supports your case
• Reach out to Digit’s Grievance Redressal Officer (GRO) through email lifeclaims@godigit.com or WhatsApp at 9960126126, clearly state your claim number, reason for appeal, and attach all supporting documents.
• Suppose the issue remains unresolved after 15 days. File a complaint with the IRDAI’s IGCC consumer court if needed.

Toll Free Number: 155255 (or) 1800 4254 732

Email: complaints@irdai.gov.in

You can easily download your Digit Life Term Insurance policy document online using the following methods:

Option 1: Digit App

• Go to the “My Policy” section.
• Tap on “Download Policy” to get the PDF instantly

Option 2: WhatsApp Self-Service

• Send a message to 9960126126
• Under the Choose option, tap on Policy copy/Features

Follow the prompts to receive your document in PDF format.

If your Digit Life Term Insurance claim is taking longer than expected, review the claim submission and ensure all required documents were sent. If unsure, contact Digit’s claims team at lifeclaims@godigit.com.

If the claim has been submitted with all documents, then send a polite follow-up email referencing your claim number and requesting an update. Ask if any additional documents or clarifications are needed.

The official Digit Life Insurance customer care number is: 1800-296-2626 (toll-free).

Chat Support Number: 9960126126 (also available on WhatsApp)

This number can be used for claims, complaints or policy servicing requests.

Digit Life offers customer support via WhatsApp at 9960126126.

You can use this number for quick queries, policy downloads, renewal reminders, and claim status updates. Support is typically available between 10 AM and 10 PM daily.

Yes, Digit Life customer support can help you cancel your life insurance policy. If you're within the 15-day free look period, you may be eligible for a refund after deductions. 

To initiate cancellation, contact Digit Life via email at life@godigit.com, call 1800-296-2626, or message on WhatsApp at 9960126126.

Provide your policy number and reason for cancellation. Refunds will be processed within 7 days, subject to deductions for risk-covered days, stamp duty, and medical tests (if applicable).

If you're beyond the free look period, you can still request cancellation using the same channels, but there is no refund on the policy term.