Digit Insurance Reviews: What Our Customers Say About Us

When talking about us, Digit customers often mention quick responses, easy claim filing, and support that genuinely makes a difference. With a claim settlement ratio above 97%*, we’ve earned trust not just through numbers, but by being there when things go wrong. These reviews aren’t filtered, they’re real stories from real situations that reflect how we simplify insurance and deliver when it matters most.

Take a moment to hear what people say about being covered by Digit across car, bike, health, and travel insurance. Their experiences speak louder than anything we could say ourselves.

*The Claim Settlement Ratio (CSR) is calculated for FY 24-25.

Team Digit

Our Customers’ Reviews Directly from the Sources!

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Awards & Industry Recognition That Made Us Proud

These milestones didn’t just create customer trust; they earned us industry acclaim as well.

Best Digital Insurer - India

Insurance Asia Country Excellence Awards 2024

Technology Champion of the Year (GI)

Elets BFSI Leadership Awards 2024

General Insurance Company of the Year

Asia Insurance Industry Awards 2024

Top Employer in India 2024 & 2025

Top Employer Institute, Netherlands

Most Innovative Insuretech Platform

Fintech Festival India Awards 2024

Part of Fortune India 500 List 2024 (Ranked 312)

FORTUNE INDIA

Top Rated Internet/Product Companies (mid-sized category)

Ambition Box Employee Choice Awards 2025

Our Claim Settlement Stories

What truly defines us is the moments we stood by our customers. Here are some of those stories which mattered most for our growth in FY 2024–25:

Health Insurance

₹16.77 Lakh: Our Highest Health Claim - A Bengaluru customer faced a serious medical emergency. We stepped in fast and settled ₹16.77 lakh, the highest health claim of the year, with empathy and ease. Because behind every big bill is a bigger responsibility.

₹27 Cr+ for Pre & Post-Hospitalisation - One cancer patient received ₹1.4 lakh for over 10 pre- and post-hospital visits. In total, we paid ₹27 crore+ this year, supporting recovery before and after hospital stays. That’s true care.

7,747 Babies Covered - We covered 7,747 newborns under family health plans this year. Our flexible policies protect every little life, right from day one.

Car Insurance

₹48.70 Lakh Paid for Total Loss in Mumbai - After a private car in Mumbai was severely damaged beyond repair, we settled a total loss claim of ₹48.70 lakh, proving how essential the right coverage is when life takes an unexpected turn.

₹1.5 Crore Third-Party Claim Paid in Raipur - A tragic accident in Raipur led to a third-party liability of ₹1.5 crore. Our third-party car insurance ensured the affected family was compensated, bringing relief in a difficult moment.

₹95 Crore+ Paid for Flood Damage, ₹3 Cr in Azitnagar Alone - Flooding across India triggered 529+ claims in Azitnagar alone, with ₹3 crore paid. Nationwide, we settled over ₹95 crore in flood-related car claims, standing strong when nature struck hard.

7 Accidents, 1 Car, Every Claim Paid - One Patna customer’s Kia Carens saw 7 accidents in one year, and every single claim was approved. Because when things go wrong again and again, your insurance shouldn't.

From Ferraris to Hayabusas—We’ve Got Luxury Vehicles Covered - This year, we insured a Ferrari with a premium of ₹8.04 lakh, a Hayabusa for ₹44,000, and a Volvo wheel loader for ₹3.53 lakh. From luxury cars to commercial giants, our policies scale up for every kind of ride.

Bike Insurance

₹3.22 Lakh Total Loss Claim Settled in Bengaluru - After a major accident in Bengaluru, a Digit customer’s two-wheeler was declared a total loss. Thankfully, their insurance came through with a claim settlement of ₹3.22 lakh, proving how essential it is to stay protected on the road.

₹1.12 Crore Third-Party Claim Handled in Punjab - A tragic two-wheeler accident in Hoshiarpur led to a third-party fatality. The rider had valid third-party insurance, and we settled the liability with a ₹1.12 crore payout, highlighting how third-party cover offers critical financial protection in unforeseen situations.

Rat Trouble Twice—Claim Covered Both Times - A Surat customer faced repeated wire damage from rat bites, twice in one year! Both times, the repairs were fully covered under their two-wheeler policy, showing how insurance even protects against the tiniest culprits.

Travel Insurance

₹11.51 Lakh Paid on a ₹2,000 Travel Policy - A Bali bike trip turned into a medical emergency for 27-year-old Guneet. We covered her emergency treatment and evacuation, settling our highest-ever travel insurance claim, ₹11.51 lakh. Big help, from a small premium.

Digit Makes It to the Headlines!

Digit Insurance disburses parametric claims to Noida migrant workers as heatwave hits 42°C

Jun 19, 2025

Digit Insurance releases 12th Transparency Report for FY24-25

May 26, 2025
Express Healthcare

GoDigit promoters get Irdai nod for first private reinsurer

Mar 13, 2025
The Economic Times

Digit Insurance Chairman Kamesh Goyal wins EY Entrepreneur of The Year™ 2024 Award in Startup Category

Mar 7, 2025
CXO Today

Digit Insurance partners with KMD to offer AQI-based Parametric Insurance to construction workers

Feb 25, 2025

Digit Insurance Recognized as ‘Top Employer in India’ for 2024 and 2025 for Fostering Culture of Growth and Innovation

Jan 17, 2025
APN News

FAQs about Digit Insurance

All

Is Digit Insurance legit and trustworthy?

Yes, Digit Insurance is a licensed and IRDAI-approved insurer in India, known for its transparent policies, fast claims, and strong customer service. Many users trust it for its hassle-free digital processes and high claim settlement ratio.

In FY 2024–25 alone, over 9.16 lakh claims were settled. That’s a 99.9950% claims accuracy rate, which says a lot about how fairly and efficiently cases are handled. From small accidents to bigger emergencies, Digit Insurance paid out over ₹4,622 crore in claims the same year.

What is Digit Insurance's claim settlement ratio?

Digit Insurance’s claim settlement ratio is 97% in FY 2025. This indicates a strong track record of settling most valid claims quickly and efficiently.

How fast is the claim process at Digit Insurance?

Digit is known for its quick digital claim process. Many customers report getting claims settled within 2–7 working days, depending on the type of insurance and documents submitted.

Are there real reviews of Digit Insurance online?

Yes, you can find verified customer reviews of Digit Insurance on Digit’s website and other platforms like Google, Policybazaar, Quora, etc. Most users praise the ease of use, fast support, and app-based claims.

Is Digit good for car insurance?

Yes, Digit is often rated among the top digital insurers for car insurance. Customers appreciate our features like doorstep inspection, paperless claims, and affordable premiums. Go Digit Insurance has already sold over 1.2 crore car insurance policies, and in FY 2024–25 alone, we have settled 8 lakh+ motor claims, paying out around ₹2,199 crore.

We’ve also made claiming super convenient. You can just use your phone to do a self-inspection and file the claim, no paperwork or in-person visits. Plus, with access to 9000+ cashless garages across India networked with Digit, repairs are a lot less stressful.

Is the Digit Insurance app reliable?

Yes, the Digit app is well-reviewed on Google Play and the App Store. It lets users buy, renew, and claim insurance with minimal steps. Some users do report occasional glitches, but updates are frequent.

How responsive is Digit’s customer support?

Most reviews highlight Digit’s customer service as prompt and helpful. Support is available via call, email, and WhatsApp, and users typically get responses within a few hours.

In FY 2024–25 alone, Digit handled over 2.22 lakh live chats on WhatsApp and responded to 2.04 lakh requests for quick policy downloads, which shows a clear sign that help is just a message away.*

What really stands out is that 96% of customer issues were resolved in just one call.* Whether it's a question about your policy or help during a claim, Digit’s team is quick to act and easy to reach.

*Data as per Digit’s FY 2024–25 report.

Are Digit health insurance plans good?

Digit’s health insurance plans are well-rated for the digital claim process, hospital network, and coverage options. Many users prefer it for short waiting periods and cashless hospitalisation, with access to over 9,000 cashless hospitals in Digit’s network across the country. In FY 2024–25, Digit settled 4.5 lakh health insurance claims with a 99% settlement ratio, and paid out about ₹2,900 crore to customers.

How is Digit for travel insurance claims?

Customers who used Digit travel insurance report quick claim settlements and instant policy issuance. It’s a popular choice for students, Schengen, and international travel due to visa-compliant documents. Also, Digit holds a 100% claim settlement ratio for travel insurance in FY 2024-25.

Is Digit bike insurance reliable?

Yes, Digit has made two-wheeler insurance practical and reliable. Customers say Digit makes two-wheeler claims easy with app-based photo inspection and fast settlements. Premiums are affordable, and renewal reminders help avoid policy lapses.

At Digit, we have already settled 8 lakh+ bike claims and paid over ₹1,000 crore for damages, repairs, and even some unusual cases. Digit’s 96% claim settlement ratio for motor insurance for FY 2024–25 speaks volumes. Plus, everything is online; you can file a claim from your phone and get repairs done at any of the 9000+ cashless garages.

Why are some Digit claims rejected?

Some Digit claims may be rejected due to reasons that are generally standard across the insurance industry. These include filing a claim for something that isn’t covered under the policy (like exclusions or waiting periods), providing incomplete or incorrect documentation, or missing the claim filing deadline.

Claims may also be declined if the policy has lapsed, if there’s a mismatch in the information provided, or if there’s suspected fraud or misrepresentation. That said, Digit typically maintains transparency throughout the process and clearly communicates the reason in case a claim is rejected.

To avoid such outcomes, customers are advised to read the policy terms carefully, keep documents ready, and file claims promptly with accurate information.

How does Digit's claim process work?

The claim process is fully digital. You can raise a claim via the app, WhatsApp or just a missed-call facility, provide photos/documents, and track progress in real time. Most claims are settled without paperwork.

How is Digit different from traditional insurance companies?

Digit Insurance is fully digital. Unlike traditional insurers, you can buy, manage, and claim online or via WhatsApp, with no agents, no paperwork, and fewer delays.

Can I trust Digit Insurance in case of an emergency?

Thousands of customers have reported smooth claim experiences during emergencies. With 24/7 support and fast response times, Digit has built a reputation for being there when it matters.

How is Digit shaping the future of insurance in India?

Digit is redefining insurance in India by focusing on simplicity, transparency, and speed. With a fully digital process, paperless claims, and no hidden terms, the brand is making insurance accessible and user-friendly for modern policyholders across car, health, life, and travel segments.

Digit continuously adapts its products based on evolving IRDAI guidelines, customer behaviour, and real-time data. Whether it's aligning with new health norms, EV coverage, or international travel needs, the product team builds plans that stay relevant and compliant.

How does Digit use digital technology to improve customer experience?

Digit uses technology to eliminate the typical hassles of insurance. From WhatsApp-based claim filing to instant policy issuance and real-time tracking, every step is designed to save time and reduce stress. This digital-first approach helps customers manage insurance easily from anywhere, anytime.

What are the most common risks covered by Digit Insurance based on recent data?

Based on customer claims across India, Digit covers a wide range of real-life risks, like road accidents, hospitalisations, gadget damage, and unexpected emergencies. Claims data shows rising demand for fast health support, quick vehicle repair processing, and hassle-free reimbursements.

How is Digit making claims more transparent and easier to understand?

Digit simplifies the claim process by keeping customers informed at every step via the app or WhatsApp. The policy wording is clear, exclusions are upfront, and real-time updates remove confusion, so customers always know where their claim stands.

How does Digit personalise insurance for different customer needs?

Digit offers modular plans and optional covers tailored to various life stages, like health plans with maternity add-ons, car insurance with zero-dep, or student-friendly coverage for overseas stays. The platform also adapts based on age, risk, and lifestyle inputs to make personalisation simple.

Does Digit offer round-the-clock assistance for all policyholders?

Yes, Digit provides 24/7 support across its health, motor, and travel products. Customers can raise claims, track updates, or talk to support at any time via the app or call, even across time zones in the case of international coverage.

How's GoDigit health insurance (online-only policy)?

Our customers often say that Digit’s online health insurance is simple, fast, and easy to manage. They like how everything from buying to claiming is done digitally, without paperwork or long wait times. Many also appreciate the wide cashless hospital network and how quickly their health claims are settled, often within just a few days.

How is Go Digit car insurance? / Is Digit car insurance a good company?

Most people who’ve used our car insurance say they love how smooth the process is, especially when it comes to claims. From app-based video inspections to quick approvals, we’re known for being fast and hassle-free. Many customers tell us they feel more confident driving knowing their car is protected by Digit.

What is the claim settlement ratio for Digit Insurance?

Customers often highlight our high claim settlement ratio as a major reason they trust us. For FY 2024–25, we settled 97% of valid claims overall, something many people say gave them peace of mind when they needed help the most.

Is Digit Insurance registered with the IRDA?

Yes, and customers regularly mention how reassuring it is to know we’re a fully licensed and IRDAI-approved insurer. It adds to their trust in choosing Digit over others.

What is the best online third-party vehicle insurance company in India?

Many customers tell us they chose Digit for third-party insurance because of how quickly we issue policies online and how responsive our team is when they need support. They often say our process feels simpler and more transparent compared to others they've tried.

Which online insurance company is the best for a car in India?

Plenty of car owners say Digit is one of the best online insurers for car insurance they’ve experienced. They highlight features like affordable premiums, helpful add-ons, and super-fast claims. A lot of customers also mention that the process is so easy, they didn’t need to speak to an agent even once.

Digit has sold over 1.2 crore car insurance policies, paid out ₹2,199 crore in motor claims, and settled 8 lakh+ claims in FY 2024–25 alone. And with a 96% claim settlement ratio and a vast cashless network of 9000+ garages, Go Digit has made car insurance easier and more reassuring for Indian customers.

Contact Us

Have queries about Digit Insurance Policies? You can refer to our Policy Wordings for detailed information or directly reach out to our support team!

Connect with our self-serve chat bot support - 7026061234

Write to us at hello@godigit.com

Contact

Call us on 1800-258-5956