Our WhatsApp number cannot be used for calls. This is a chat only number.
(Incl 18% GST)
A health insurance or a medical insurance is a type of general insurance that safeguards you against financial losses by covering for you when you’re faced with a health condition or medical emergency such as due to a disease, illness or even an accident.
This includes expenses incurred during pre and post-hospitalization, annual health check-ups, psychiatric support, critical illnesses and maternity-related expenses amongst others, as per your customized health insurance plan.
Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.
If you believe that, read on.
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!
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.
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.
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.
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!
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!
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.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
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!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
16400+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 10+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes* |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
Our Wellness Program is an effort in helping you reach your goal of healthy life. It aims to help you achieve a healthy lifestyle through a range of discounts and benefits on health and fitness services.
Additionally, our program includes informative sessions and programs that can help you become more aware of your health and empower you to take better care of yourself. With our wellness program, we strive to provide you with the awareness and resources needed to stay in the pink of your health.!
Some of our Wellness Benefits are:
With all digital friendly and hassle-free process, buying insurance at Digit is as easy as A.B.C. with just a few simple steps:
Yes, it is as simple as that!
No hassle – just a few minutes of your time and you have covered your health!
Given the importance of a health insurance, it is highly imperative that our healthcare policy is always active because we never know when we might need it. Hence, paying the health insurance premium on time is of utmost importance.
With absolutely simple and digital friendly process at Digit, you can renew your health insurance in just a few simple steps:
Step 1: Visit the Renewals tab on our website or App.
Step 2: Login with your registered mobile number or your policy details.
Step 3: The screen shows your policy details along with a renew tab 45 days prior to renewal. Step 4: Make the payment and its done!
OR
You receive regular communication from Digit to renew your health insurance policy a few days prior to the renewal. These communications come with a renewal link that you can use to directly make the payment and renew your policy.
Get cashless treatment at 16400+ hospitals across India
New to health insurance and confused how do health insurance claims work, especially with respect to Digit’s Health Insurance? We simplify it for you below.
So you’ve seen this word everywhere but not sure what it means exactly. To simply put it, a claim is what you need to do when you want your health insurance company to pay for your hospitalization expenses in case of a treatment.
Claims are usually to be informed about in advance for planned treatments and hospitalizations whereas in case of medical emergencies the situation would be different, based on the type of claim you’re going for. At Digit, there are primarily two types of health insurance claims you can opt for.
As the name suggests, cashless claims refer to claims where you don’t need to pay from your pocket at the time of hospitalization. “But isn’t my health insurer supposed to pay anyway?” you wonder. The answer to that is yes, of course.
However, there is also an option to go for reimbursement claims wherein you pay for your treatment costs at the time of hospitalization, and later – within 20 to 30 days get the bills reimbursed by your insurer.
However, when you opt for cashless claims you don’t need to do that as the hospital will directly take care of the bills with your insurer.
Read More about Cashless Claims.
As mentioned above, reimbursement claims are a type of health insurance claim wherein during hospitalization, you pay for your hospital bills and later, post discharge contact your health insurer to get your hospital bills reimbursed.
This process takes anytime between 2 weeks to 4 weeks depending on your insurer. At Digit, since all processes are digital (even for documentation purposes!) the time taken to settle claims is actually a lot faster!
In 2021, when India’s population stood at 1.39 billion, nearly 514 million people across India were covered under health insurance schemes. Out of these, 342.91 million (24.67%) were covered under government sponsored schemes, 118.7 million (8.53%) under employee health insurance (excluding the state owned) and just 53.14 million (3.82%) were covered under individual health insurance. [1]
However, the situation has been improving in recent years due to various initiatives by the government and insurance companies.
The COVID-19 pandemic led to a significant increase in awareness and demand for health insurance in India. Many people who were previously uninsured have realized the importance of having health insurance during a health crisis, leading to an increase in the number of policyholders.
As of now, there are 32 health insurance companies operating in India comprised of government sector insurers, private insurers, and standalone health insurers.
To increase the penetration of health insurance in India, the government and the Insurance Regulatory and Development Authority of India (IRDAI) have taken several measures to make health insurance more accessible and understandable to customers.
Read about IRDAI’s mission of Insurance for all by 2047.
Here's why more and more people are opting for a health insurance in India.
The primary benefit of a health insurance is that it covers for your pre and post hospitalization related expenses in case of an unfortunate accident or illness, which would otherwise eat your bank balance away!
As per the National Family Health Survey-3, 70% of urban and 63% of rural households depend upon private hospitals where the cost of healthcare services are usually much higher than government-owned medical facilities. Thus, middle and upper-class individuals are more likely to avail of services in a private hospital.
Who doesn’t want additional tax savings, right? According to Section 80D of the Income Tax, anyone who buys a health insurance for themselves, or their parents can claim tax benefits on the annual premium!
Contrary to popular belief, many critical illnesses like cancer and heart diseases are today diagnosed in young people <40. A health insurance ensures you will be financially covered in the likelihood of the same.
More than anything else, a health insurance is a smart investment to make that not only helps safeguard your health by always being there you financially but, also helps you with benefits like no claim bonuses which are an ultimate win-win for the long run!
Imagine that because of some reason, you or a family member need treatment but don’t have enough funds for it so you put it off for some time. This can often make matters worse.
A health insurance is important as it prevents this from happening and ensures you get your required treatments done on time. Additionally, with annual health checkups included in health insurance plans, you will always be aware of your health which can otherwise often go unnoticed.
How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health insurance to have your back in times of need.
Health insurance is an important investment that provides financial security in case of medical emergencies. Consider the below scenarios where you may want to reconsider not having health insurance:
While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs.
Also, an employer health insurance covers you only during your job tenure. Once you switch jobs and if there is a break between the next employer coverage, you are left without any insurance coverage in that period.
Some companies do not provide health cover during probation period. Owing to these reasons, it is important to review your employer's health insurance policy and consider investing in a separate individual health insurance policy to supplement it.
You might have a health insurance but with low sum insured. A low sum insured may not be sufficient to cover the medical expenses in case of serious illnesses-related hospitalizations. It is important to review your health insurance policy and consider increasing the sum insured based on your needs.
As a government employee, you might have health coverage under some specified health schemes, however, please note that such facilities are available only at a few selected medical centres, generally concentrated in major metro cities. Hence, it is suggested to have an additional personal health cover to battle emergency situations when the government facility might not be accessible.
You might choose to opt for a lower premium health insurance policy with limited coverage. While this may save money in the short term, it may not provide adequate coverage when needed. It is important to strike a balance between premium and coverage and choose a policy that provides adequate coverage for your needs.
While health insurance can save additional taxes under Section 80D of the Income Tax Act, it should not be viewed only as a tax-saving tool. The primary function of Health insurance is to provide financial security and peace of mind in case of medical emergencies.
While you may be young and healthy now, medical emergencies can occur unexpectedly. Having health insurance can provide financial security and help you cover the cost of medical treatments and hospitalization. Also, investing in health insurance at a young age can help you secure a lower premium and accumulate cumulative bonuses over time.
The right age and time to buy a health insurance is Now!
Basically, you should buy yourself a health insurance as soon as you start earning.
Buying a health insurance policy at an early age is a smart financial move. Here are some reasons why you should consider investing in a health insurance policy at an early age:
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:
One of the benefits of buying a health insurance plan online is, that you have the chance and endless possibility to do your research and compare health insurance plans online.
To make your decision-making process easier, here are a list of factors you should compare before buying the best health insurance plan:
Wondering why health insurance premiums differ? Based on a combination of various factors, your health insurance premium is defined by the following:
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:
In this scenario, you should consider a basic health insurance plan with a lower premium. You may not need extensive coverage or high sum insured at this stage, but it is important to have a safety net in case of any unexpected medical emergencies. You can also opt for a plan with a high deductible, which will lower your premium further.
If you already have a corporate health cover, you may not need an extensive individual health insurance plan. However, it is still important to have a backup plan in case you lose your job or change jobs. You can opt for a health insurance plan with the basic as well as other better benefits that might be missing in your corporate policy and hence provides you with coverage when you need it.
In this scenario, you should consider a family floater health insurance plan that covers your spouse and children. Family floater plans are cost-effective and provide comprehensive coverage for your entire family. You can also opt for a plan with maternity benefits if you are planning to have children in the future.
If you are looking to secure your parents' health, you should consider a senior citizen health insurance plan. Senior citizen plans provide coverage for medical expenses that are specific to the elderly population, such as age-related illnesses and chronic conditions. Some senior citizen plans also provide benefits like domiciliary treatment, Ayush benefit etc.
If your family has a history of critical illnesses, you should consider a critical illness health insurance plan. Critical illness plans provide coverage for illnesses such as cancer, heart attack, and stroke.
Please try one more time!
