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Health Insurance

Q: What’s unique about Health Insurance by Digit?

Apart from being online and digital friendly; Digit’s Health Insurance plan offers unique benefits such as customizations, complimentary annual health check-ups, no restriction on room rent, daily hospital cash allowance, psychiatric support included, and so much more that ensures quality healthcare for both you and your family.

Q: What is the difference between a life insurance and a health insurance?

A life insurance is a long-term policy that helps pay out the claim amount to the insured person’s family after death. Whereas a health insurance is to help pay for healthcare and medical expenses of the insured, that can occur due to illnesses, diseases and accidents.

Q: Will my health insurance policy be valid pan India?

Yes, Digit’s health insurance policy is valid pan India.

Q: What is meant by Donor Expenses?

All the hospitalisation expenses incurred by the donor during an organ transplant are included under donor expenses.

Q: Should I buy a Personal Health Insurance even if I have the corporate health insurance by my employer?

Yes. It's always advisable to have a personal health insurance cover in addition to the regular corporate plan offered by your employer so that in situations like job switch or job loss, you don't lose your health cover.

Q: What are the elements of an insurance policy?

Every insurance policy has five parts: declarations, insuring agreements, definitions, exclusions and conditions. Many policies contain a sixth part: endorsements. These sections can be used as guideposts in reviewing the policies. Examine each part to identify its key provisions and requirements.

Q: Do I need to prove my Zone of Residence at any point to avail the Zone based discount?

No, you don't need to submit any proof for availing the Zone based discount in your premium. However, during the time of claim, you will be required to give us address proof confirming that you are in zone B, and then no Co Payment will be charged. However, in case you fail to submit the required proof, you'll have to pay 10% copayment.

Q: What is the Tax Benefit on Health Insurance in India?

For you and your dependent family, you can claim a Tax Deduction up to ₹25000/- on the health insurance premium paid. If any family member is above 60 years, this limit of deduction is up to ₹50000/-. Also, for your parents, you can avail an additional ₹25000/- deduction if they are below 60 years of age or ₹50000/- if they are senior citizens.

Q: What documents do I require while making a claim?

This would primarily depend on the kind of claim you make. In the case of a Cashless Claim, all you need to do is a to fill the required form given by the TP at the hospital; whereas in the case of a Reimbursement- you will be required to upload/submit your invoices viz. bills, treatment documents etc.

Q: Can I get admitted in a non-network hospital?

Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Buy Health Insurance Policy Online in India

What is a Health Insurance?

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.

Team Digit

“I don’t need Health Insurance”

If you believe that, read on.

What's Great about a Health Insurance by Digit?

Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you.
Get treated at any hospital - Choose from 16400+ of our network hospitals in India for a cashless treatment or opt for a reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

INFINITEEEEE Health Insurance with Digit Infinity Wallet Plan

Health Insurance Options Suited for Everyone

Health Insurance for the Young & the Restless

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!

Health insurance for the Great Indian Families

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.

Health Insurance for the Old & the Wise

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.

Health Insurance for Fitness Enthusiasts

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.

Health Insurance for Corporate Hotshots

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!

Health Insurance for Employees

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!

Health Insurance for Value Seekers

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.

What’s covered in our Health Insurance?

Coverages

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalization - due to Accident, Illness, Critical Illness or COVID

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.

✔

Initial Waiting Period

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.

✔

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

✔

Sum Insured Back Up

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. .

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Unlimited Reinstatement in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Once in a policy period Related and unrelated illness No Exhaustion Clause Same person also covered.

Cumulative Bonus

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!

10% of Base Sum Insured for every claim free year, up to max 100%.

50% of Base Sum Insured for every claim free year, up to max 100%.

Room Rent Capping

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..

✔

Day Care Procedures

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.

✔

Worldwide Coverage

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!

✔

Health Check-up

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.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.

0.25% of SI up to ₹ 2,000 after every year.

Emergency Air Ambulance Expenses

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.

✔

Age/Zone Based Co-payment

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.

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalized.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalization

This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

Other Features

Pre-Existing Disease (PED) Waiting Period

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.

3 Years

Specific Illness Waiting Period

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.

2 Years

Inbuilt Personal Accident Cover

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.

₹ 50,000

₹ 1,00,000

Organ Donor Expenses

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!

✔

Domiciliary Hospitalization

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.

✔

Bariatric Surgery

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.

✔

Psychiatric Illness

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.

✔

Consumables Cover

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.

Available as an Add-On

What’s not covered?

Key benefits of Health Insurance by Digit

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

*Available only on Worldwide Treatment Plan

All is Well - Wellness Benefits for All Health Customers

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:

Teleconsultations with general physicians
Offers and discounts on dental consultations
Discounts on health checks and diagnostics
Cashbacks on online medicine orders
Access to Yoga sessions by professionals and many more offers.

How to Buy Health Insurance with Digit?

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:

Step 1:  At the designated space on our health insurance page, enter your pin code and mobile number.
Step 2: On the next page, enter details of your family members you want insurance for the age of the eldest member post which you can customise your plan.
Step 3: Choose your Sum Insured, your Plan and any additional benefits like the consumables cover. You will also see our discounts listed here.
Step 4: Enter your and your family members’ complete details.
Step 5: Based on the options you have chosen; you will be provided with your annual premium payment amount that you can pay, submit your KYC and get your policy issued instantly.

Yes, it is as simple as that!

No hassle – just a few minutes of your time and you have covered your health!

How to Renew Your Health Insurance with Digit?

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!

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.

How to File a Claim?

Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Digit's Cashless Network Hospitals

Get cashless treatment at 16400+ hospitals across India

List of 16400+ Network Hospitals

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How does a Health Insurance Claim Work?

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.

What is a claim, even?

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.

Cashless Claims

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.

Reimbursement 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!

Types of Health Insurance Options in India

The Growing Health Insurance Accessibility and Awareness in India

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.

Why Should You Get Health Insurance?

Here's why more and more people are opting for a health insurance in India.

1. Because it helps cover for medical expenses!

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.

2. Because it can help maximize your tax savings!

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!

3. Because it can safeguard you from critical illnesses

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.

4. Because it keeps you financially secure!

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!

5. Because it ensures you get the right treatment at the right time!

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.

6. Because it gives you some peace of mind!

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.

Invest in Your Health: Scenarios that Show the Importance of Health Coverage

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:

1. My Employer is Taking Care of my Health Insurance; I do Not Need One

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.

2. I Feel my 5 lac Sum Insured is Sufficient to Cover Even Serious Illnesses if Such Day Arrives.

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.

3. I am a Government Employee, Have Coverage for the Entire Family Under Government Scheme, I Don't Need an Extra Personal Health Cover

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.

4. I Just Needed a Basic Health Insurance Policy, So I Purchased One with a Low Premium and Limited Coverage. I Feel it's Just Fine.

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.

5. I Have Saved Enough Tax Under Different Sections of IT and Hence, I don't Need Health Insurance for Saving Tax.

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.

6. I am Young, Fit, and Fine. I do Not Need a Health Insurance Plan

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 to Buy Health Insurance

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:

1. Lower Premium

One of the primary benefits of buying a health insurance policy at an early age is that the premium is significantly lower. This is because younger individuals are considered less risky and have a lower probability of making claims. So, my premium for a 1 Crore health cover might seem high but it would still be much lower compared to the higher age groups.

By investing in a health insurance policy early, you can lock in a lower premium and save money in the long run.

2. No Waiting Period

Most health insurance policies come with a waiting period, which is the time during which you cannot make any claims. By investing in a health insurance policy at an early age, you can serve out the waiting period during your hale and healthy days and be covered when you need it the most.

3. No Pre-Medical Tests

Another benefit of investing in a health insurance policy at an early age is that you are less likely to require pre-medical tests. Most health insurance policies require pre-medical tests for individuals above a certain age or with pre-existing medical conditions. By investing in a health insurance policy at an early age, you can skip the pre-medical tests and avoid any complications.

4. More Likelihood of Accumulating Cumulative Bonus

Health insurance policies come with a cumulative bonus, which is the amount added to your sum insured for every claim-free year. When you are younger, you have lesser probabilities of falling ill and in turn, filing claim. Hence, higher probabilities of accumulating the cumulative bonus.

Why should I buy a Health Insurance Online?

Save Tax through Health Insurance u/s 80D of Income Tax

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:

Common Health Insurance Terminologies Simplified

Important Videos Related to Health Insurance

Things to Keep in Mind Before Buying a Health Insurance

Don’t choose a low sum insured just to save on your premium. Always choose the right sum insured based on your age, your healthcare needs and number of people you’re covering in your health insurance policy.
Always check for what is covered and not covered in your health insurance policy, and read through the terms and conditions so you’re not in for any surprises! We understand that reading it all can seem boring, that’s why we at Digit have created short summaries and simpler policy documents to make this process simpler for you!
If you have the option to customize your health insurance plan, always do that. For example: You can customize your health insurance policy with different add-ons for better coverage.
Don’t wait too long to buy a health insurance. Buy a health insurance early in life, this way you will have more reasonable premiums and also ensure you’re through waiting periods faster!
A health insurance is a vital financial decision so always evaluate all your options online before going for the first option you see!

Tips to Compare Health Insurance Plans

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:

Coverage Details: The whole point of a health insurance is to get maximum coverage on healthcare expenses. Therefore, always compare the kind of coverage you will receive and compare the sum insured for. After all, that would be up to how much your health insurance plan will cover you for.
Service Benefits: While different health insurance plan will offer basic coverages, some will also go out of their way to take better care of you through some extra benefits. Therefore, compare the service benefits offered by different health insurance providers and see what works best for you.
Network of Hospitals: Every health insurance provider has a network of hospitals you can visit and avail cashless claims from during times of need. However, to avail this benefit – it's important that you compare the range of hospitals available with your insurance provider and go for one that suits you the best.
Type of Claims: There are generally two types of claims in a health insurance plan; Cashless and Reimbursement. In times of need, Cashless Claims prove to be a lot easier and beneficial. Therefore, compare health insurance plans to see if they provide you the benefit of cashless claims or not, and to what extent.
Health Insurance Premium: This goes without saying, doesn’t it? This is something you’ll probably do. However, make sure your premium is relevant to the health insurance plan you choose. Don’t blindly get lured into cheap premiums, but always compare the coverage details against the premium and make a sound decision accordingly.

Factors Affecting Your Health Insurance Premium

Wondering why health insurance premiums differ? Based on a combination of various factors, your health insurance premium is defined by the following:

Age - While health conditions are on a rise for both people young and old, younger people are still a lot healthier due to stronger immune systems. Additionally, the younger you are, the more time you have to complete your waiting period for specific illnesses and covers. Therefore, the younger you are, the lesser is your premium!
Lifestyle - More than 61% of deaths in India are due to issues stemming from lifestyle diseases, including pollution levels! Therefore, your lifestyle habits such as if you’re a smoker or not will have an influence on your health insurance premium.
Pre-existing diseases or conditions - If you’ve already been facing symptoms of some kind, or have a family history of a particular illness, then your health insurance premium will probably be higher due to the higher risk involved.
Location - Your premium will be affected by the city you live in because every city is different, in terms of risks and medical costs. For example, people living in North India are a lot more prone to lung diseases, due to the high percentage of pollution.
Additional Covers - One can customize their health insurance plan based on their personal requirements and health conditions. Therefore, when you opt for additional covers like a Maternity Benefit or AYUSH benefit, your premium too increases by a small margin.

How to Choose the Right Sum Insured?

Life Stage: When the life-stage changes, you may need a higher sum insured. Say if you’re about to get married or are planning a kid.
No. of Dependents: Insuring all the members of the family under a Health Insurance policy is a wiser way to protect your family against future financial risks related to high medical costs.
Health Conditions: If there is a hereditary disease in the family or a common health condition seen rising in the city the person is staying, you should consider a higher sum insured.
Lifestyle: If you live in polluted metro cities, toiling with traffic and bearing office stress every day, you may be at a higher risk of falling ill. Which in turn means, you need to cover yourself better.

Health Insurance Buying Tips

Health Insurance buying tips for Youngsters

Get an insurance early in life.
Go in for a higher sum insured as it increases the amount you have in case of an Accidental Hospitalization. 5-10 lakhs should be fine.
Make sure you have a Critical Illness Cover included.
If you plan to have a family in the future, choose a Maternity Benefit so that your waiting period is over in time.

Health Insurance buying tips for Families

Insure all members of the family.
Go in for a high sum-insured as it is distributed between all family members, you can keep 10 lakh per person and calculate the sum insured.
If you have a floater plan, go in for a plan with Restoration Benefit
Check the waiting periods for all benefits being offered.
If you’re planning to insure your parents, check if it has common treatments like Knee Replacement, Cataract Surgery covered.

Health Insurance buying tips for Seniors

With age the insurance premium goes up. So, if you already have a plan, you can increase its sum insured with a top-up plan.
Make sure you check the kind of hospital tie-ups and service tie-ups your insurer is providing you.
Check if the plan you’re getting has common treatments like Knee Replacement, cataract surgery covered.
Check the sub-limits of the benefits being offered.
Check the waiting period mentioned for different pre-existing diseases.

Which Medical Insurance Plan is Perfect for You

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:

You are a Young, Healthy Youth in the Late 20s or Early 30s, Earning, and Have a Few Financial Responsibilities

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.

You Already Have a Corporate Health Cover & do Not Wish to Spend too Much on Health Insurance

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.

You Have a Family to Take Care of and Want to Cover Spouse + Kids

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.

You are Looking to Secure Your Parents

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.

My Family Has a Critical Illness History, do I Need to Buy Any Additional Health Cover?

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.

Popular Myths about Health Insurance

Health Insurance Covers for Only Serious Illnesses: Many people are under the impression that health insurance plans cover for only serious and critical illnesses. However, that’s not true! A health insurance plan covers for regular illnesses, accidents, psychiatric support, child-delivery and also basic annual health checkups!
“I Don’t Need a Health Insurance, Cause I’m Too Young for Illnesses”: Contrary to popular belief, no matter how old you are- you can be prone to illnesses both big and small. Especially, in the times we live in today- more and more younger people are being diagnosed with health conditions like PCOS, cancer and lung diseases due to our climate change driven lifestyles and unhealthy eating habits.

Health Insurance Processes are Time Consuming: This honestly just depends on the kind of health insurance plan you have, and your insurance provider! Thanks to technology, the best health insurance plans are now a lot quicker and hassle free!
If You Have Savings, a Health Insurance Isn’t Important: We’re so optimistic sometimes, aren’t we? While our savings can help us in time of need, the limit of the same can never be foreseen. The best health insurance on the other hand, is a dedicated investment you make solely towards your health so you don’t need to shell out your savings or face any financial pressure in the future!

FAQs about Buying Health Insurance Policy in India

All

General

Claims

Coverage

Portability

What’s unique about Health Insurance by Digit?

Apart from being online and digital friendly; Digit’s Health Insurance plan offers unique benefits such as customizations, complimentary annual health check-ups, no restriction on room rent, daily hospital cash allowance, psychiatric support included, and so much more that ensures quality healthcare for both you and your family.

What is the difference between a life insurance and a health insurance?

A life insurance is a long-term policy that helps pay out the claim amount to the insured person’s family after death. Whereas a health insurance is to help pay for healthcare and medical expenses of the insured, that can occur due to illnesses, diseases and accidents.

Will my health insurance policy be valid pan India?

Yes, Digit’s health insurance policy is valid pan India.

What is meant by Donor Expenses?

All the hospitalisation expenses incurred by the donor during an organ transplant are included under donor expenses.

Should I buy a Personal Health Insurance even if I have the corporate health insurance by my employer?

Yes. It's always advisable to have a personal health insurance cover in addition to the regular corporate plan offered by your employer so that in situations like job switch or job loss, you don't lose your health cover.

What are the elements of an insurance policy?

Every insurance policy has five parts: declarations, insuring agreements, definitions, exclusions and conditions. Many policies contain a sixth part: endorsements. These sections can be used as guideposts in reviewing the policies. Examine each part to identify its key provisions and requirements.

Do I need to prove my Zone of Residence at any point to avail the Zone based discount?

No, you don't need to submit any proof for availing the Zone based discount in your premium. However, during the time of claim, you will be required to give us address proof confirming that you are in zone B, and then no Co Payment will be charged. However, in case you fail to submit the required proof, you'll have to pay 10% copayment.

What is the Tax Benefit on Health Insurance in India?

For you and your dependent family, you can claim a Tax Deduction up to ₹25000/- on the health insurance premium paid. If any family member is above 60 years, this limit of deduction is up to ₹50000/-.

Also, for your parents, you can avail an additional ₹25000/- deduction if they are below 60 years of age or ₹50000/- if they are senior citizens.

What documents do I require while making a claim?

This would primarily depend on the kind of claim you make. In the case of a Cashless Claim, all you need to do is a to fill the required form given by the TP at the hospital; whereas in the case of a Reimbursement- you will be required to upload/submit your invoices viz. bills, treatment documents etc.

Can I get admitted in a non-network hospital?

Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.

Who should I call at the time of emergency hospitalization?

We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-258-4242 and we’ll sort things out for you.

Can any health insurance claim be rejected or refused?

Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example: If you claim for a pre-existing disease-related treatment before completing the waiting period, your claim may be rejected.

Can I start using my health insurance policy from day one?

No, there is an initial waiting period of 30-days. However, in case of any accidental hospitalization related claims, there is no initial waiting period, and your policy can be used at any time post purchasing your policy.

Can I still claim if hospitalization is less than 24-hours?

Yes, you can if it is a day-care procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.

What is the IRDAI specified time limit for settlement of claim by the insurance company?

As per the IRDAI Regulation,.the Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document.

In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.
However, where the circumstances of a claim warrant an investigation in the opinion of the company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.
In case of delay beyond stipulated 45 days, the company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.

“Bank rate” shall mean the rate fixed by the Reserve Bank of India (RBI) at the beginning of the financial year in which claim has fallen due.

What is the time limit for filing health insurance claims?

This limit differs across different insurance providers. At Digit, we must be intimated within 7 days of discharge and subsequently claims must be filed within 30 days from discharge.

Can I claim my health insurance multiple times a year?

There is no limit on the number of claims you can make on your health insurance. However, the total claim value must be within your total sum insured.

Do we get money back in health insurance if we don't claim?

No. The premium paid towards health insurance covers your medical risk for the agreed term. It is, hence, not refundable.

What happens to my Sum Insured when I claim Health Insurance?

When you claim your health insurance, the Sum Insured gets reduced by the claim amount. Also, your Cumulative Bonus gets cancelled.

What is the best age to buy Health Insurance?

The answer is simple. The younger you are, the lower will be your starting and subsequent premium. Also, if you are younger, you’ll easily pass the waiting period years for various covers to be valid. Youngsters may not be financially secure and hospitalization and other medical expenses could be hard to meet.

Hence, its advantageous to take a health insurance early in life. Basically, as soon as you start earning.

Can I have more than one health insurance policy?

Yes, you can have more than one health insurance policy!

Can an NRI take health insurance in India?

Yes, an NRI can buy a health insurance in India. The coverage can be used for treatments in India. However, the terms and conditions depend on your insurance provider.

What if I have an existing health insurance plan and I want to increase its coverage?

You can increase the coverage definitely, but it can't be done mid-year. You can only do that while renewing, which, also depends on your insurance provider.

I have been recently diagnosed with Diabetes. I had purchased health insurance last month. Will I be allowed medical coverage for the same?

As per the IRDAI, a pre-existing disease refers to any condition, ailment, injury or disease that has been diagnosed up to 48 months before buying your health insurance policy. So in this case, the disease like diabetes be treated as pre existing and hence will be covered as per the pre-existing condition rules of your insurance provider.

Will my health coverage begin from Day 1 of buying the Health Insurance?

No. Most of the health insurance policies come with an initial waiting period before your policy starts covering you. This is usually 30 days. Further, there is waiting period for pre existing and specific illnesses that should be completed before your coverage starts.

What happens if I miss paying my renewal premium on time?

Oh no! If you miss paying your renewal premium on time, even after the expiry of Grace Period, your health insurance policy will expire, and you’ll have to start the process of buying a new health insurance policy all over again! Which, in turn, means that you lose all your accumulated benefits like Waiting Period, Cumulative Bonus etc. and need to start all over again.

What is the tenure of Grace Period in Health Insurance?

Grace Period tenure depends on your health insurance provider and varies between 1-30 days.

Does Digit Health Insurance provide an option of Portability?

Yes, Digit health Insurance provides an option to port your policy.

When can I apply for portability?

You can apply for porting your health insurance at least 45 days before the policy renewal date of the current policy.

Will my benefits like Cumulative Bonus or Waiting Period be affected when I port?

No, the benefit of porting is that even though you shift to a new health insurance, your waiting period is not nullified, i.e., you need not start your waiting period right from the start. Also, the benefits like NCB are carried forward to the new insurer.

Instead of Porting, can I just change my plan with my current health insurance provider?

Yes, you can. Generally, plan and coverage changes can be done with your existing health insurance provider at the time of your health insurance renewal. However, any change in your policy can be done depending on your insurance provider.

Disclaimer - You have been redirected to the website of Go Digit General Insurance Limited to complete the application for insurance solicited by Hero Fincorp Limited, in its capacity as a Corporate Agent.

Health Insurance

Buy Health Insurance Policy Online in India

What is a Health Insurance?

“I don’t need Health Insurance”

What's Great about a Health Insurance by Digit?

INFINITEEEEE Health Insurance with Digit Infinity Wallet Plan

Health Insurance Options Suited for Everyone

Health Insurance for the Young & the Restless

Health insurance for the Great Indian Families

Health Insurance for the Old & the Wise

Health Insurance for Fitness Enthusiasts

Health Insurance for Corporate Hotshots

Health Insurance for Employees

Health Insurance for Value Seekers

What’s covered in our Health Insurance?

What’s not covered?

Pre-Natal & Post-Natal Expenses

Pre-Existing Diseases

Hospitalization without Doctor’s Recommendation

Key benefits of Health Insurance by Digit

All is Well - Wellness Benefits for All Health Customers

How to Buy Health Insurance with Digit?

How to Renew Your Health Insurance with Digit?

How to File a Claim?

Digit's Cashless Network Hospitals

Digit makes it to the headlines!

How does a Health Insurance Claim Work?

What is a claim, even?

Cashless Claims

Reimbursement Claims

Types of Health Insurance Options in India

Family floater health insurance

Individual Health Insurance

Health insurance for Senior Citizens

Super Top-up health insurance

Group Medical Insurance

Maternity Health Insurance

Personal Accident Insurance

Arogya Sanjeevani policy

Corona Kavach

Corona Rakshak

The Growing Health Insurance Accessibility and Awareness in India

Why Should You Get Health Insurance?

1. Because it helps cover for medical expenses!

2. Because it can help maximize your tax savings!

3. Because it can safeguard you from critical illnesses

4. Because it keeps you financially secure!

5. Because it ensures you get the right treatment at the right time!

6. Because it gives you some peace of mind!

Invest in Your Health: Scenarios that Show the Importance of Health Coverage

1. My Employer is Taking Care of my Health Insurance; I do Not Need One

2. I Feel my 5 lac Sum Insured is Sufficient to Cover Even Serious Illnesses if Such Day Arrives.

3. I am a Government Employee, Have Coverage for the Entire Family Under Government Scheme, I Don't Need an Extra Personal Health Cover

4. I Just Needed a Basic Health Insurance Policy, So I Purchased One with a Low Premium and Limited Coverage. I Feel it's Just Fine.

5. I Have Saved Enough Tax Under Different Sections of IT and Hence, I don't Need Health Insurance for Saving Tax.

6. I am Young, Fit, and Fine. I do Not Need a Health Insurance Plan

The Right Age to Buy Health Insurance

Why should I buy a Health Insurance Online?

Save Tax through Health Insurance u/s 80D of Income Tax

Save Tax Through Premium Paid Towards Self, Spouse and Children

Save Tax Through Premium Paid for Parents

Save Tax on Preventive Health Check-Ups

Common Health Insurance Terminologies Simplified

Waiting period

Copayment

Pre-Existing Disease

Daycare Procedures

Pre-Hospitalization Expenses

Cumulative Bonus

Deductible

Sum Insured

Portability

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Health Insurance buying tips for Families