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Key Highlights about Digit Health Insurance

Health

12 Lacs+

Policies Sold

2.5 Crore+

Live Insured

4.5 Lacs+

Claims Settled

2900 Crore+

Paid-in Claims

99%

Claim Settlement Ratio

9000+

Cashless Hospitals

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY'25.

From the Hearts of Our Happy Customers

4.7/5

(250K + Customer Ratings)

4.9/5

4.7/5

See All Reviews

23 Feb 2025

5 ⭐⭐⭐⭐ I'm experienced health insurance, fast process, I'm 3 time renvel

Satya ch.

04 Jan 2025

मैं अपनी निजी अनुभव पर बता रहा हूं कि भारत की सबसे अच्छी हेल्थ इंश्योरेंस की कंपनी डिजिट इंश्योरेंस है मात्र एक सप्ताह में मुझे बिना किसी परेशानी के मुझे इस कंपनी ने क्लेम की राशि दे दी मे डिजिट कंपनी का हृदय से आभार व्यक्त करता हूं

@heydigit

प्रभाकर श्रीवास्तव

25 Feb 2025

Chelsa was on call and helped me explain the process for my mother's cataract surgery in regards to the medical claim as it was still in process.

Siddhartha Mudgala

18 Aug 2024

Excellent experience by Go digit Health Insurance. I put claim for 10000Rs. & Will settle and credit in my account within 5 days. Excellent service provide by Go digit team.

Jaimin Chauhan

14 Nov 2024

Verify good health insurance/ policy provider and support team side also helpful. Highly recommend.

Anand Patel

09 Dec 2024

I have corporate Insurance from GoDigit. I appreciate the GoDigit team. Great response by Karthik Sir- Senior Manager Retention (Bengaluru) as always, and I spoke to 3 associates in the call centre team as there was a little communication gap between the hospital and the Insurance company. All 3 responded very well! Thank you so much, GoDigit team. Keep up the good work 🙏

MKS

08 Oct 2024

Very smooth process for claim reimbursement of godigit. Recommended to buy this helath policy.

Gaurav Hire

Key Benefits of Health Insurance by Digit

Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	9000+ 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

Digit's Cashless Network Hospitals

Get cashless treatment at 9000+ hospitals across India

List of 9000+ Network Hospitals

Interesting Claim Stories about Digit Health Insurance

Highest Health Claim of ₹16.77 Lakh Settled by Digit in FY’25

A Bengaluru customer faced a serious and complex medical condition, leading to a treatment bill running into lakhs. Digit settled its highest health insurance claim in FY 2025, amounting to approximately ₹16.77 lakh.

What mattered more was how quickly and transparently we stepped in. From the initial notification to the final settlement, the entire claim was handled with empathy, clarity, and minimal stress.

At Digit, it’s not the size of the bill that moves us; it’s the trust behind every claim we settle. 🙂

Over ₹27 Crore Settled for Pre and Post-Hospitalisation Expenses in FY’25

At Digit, we believe health insurance is more than just hospital bills. This year, a patient undergoing treatment for malignancy received coverage not only for their hospitalisation but also for over 10 pre and post-hospitalisation visits, with a total payout exceeding ₹1.4 lakh. This reflects our commitment to supporting patients through every step of their recovery journey.

In fact, Digit paid out more than ₹27 crore this year alone towards pre and post-hospitalisation expenses, proving that genuine care extends before and after hospitalisation as well.

This is what we mean when we say insurance that supports the full journey, not just the hospital stay. 🙂

7,747 Babies Covered Under Digit’s Family Policies in FY’25

7,747 Babies Covered Under Their Parents' Policies in FY’25

In FY2025, Digit proudly covered around 7,747 babies under their parents’ policies, protecting the newest generation with the same care and commitment as every policyholder.

Among these little ones, the most popular baby names were Shivansh and Fatima, reflecting the diverse families Digit supports across India. 🙂

This wouldn’t be possible without Digit’s flexible family health plans, which automatically extend coverage to newborns, making it easy for parents to safeguard their little ones from day one.

Digit’s Health Insurance Claim Numbers for FY'25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

At Digit, in the second half of FY25, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.

Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.

65% Cashless Discharge Approved in Just 60 Minutes at Digit

At Digit, in the second half of FY25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.

While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.

Almost 70% of Reimbursement Claims Settled in Just 2 Days

Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2025 was just 2.43 days.

Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY’25

At the heart of smooth insurance experiences lies something you never see!! 😁

At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY2025 alone, they registered over 1.1 lakh claims, cutting down processing time.

No breaks and no delays. Fewer forms and faster care! ☺️

Notes: 1. Claims Settlement Ratio = (Claims Paid + Claims Closed)/(Claims outstanding at the beginning of the year + Claims Reported - Claims outstanding at the end of the year). 2. Reinsurance and coinsurance inward claims are not included.

Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25

The data below is for all the products as given in the table below:

9.16 Lakh Claims Settled

Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.

Because when life takes a sudden turn, your insurance should move forward, not hold you back.

₹4,622 Crore Paid in Claims

At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.

Quick settlements, zero confusion, and absolute peace of mind.

99.9950% Claims Accuracy

Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.

For Health Claims, out of 256 escalated claims for Digit, just 110 were health-related (including travel and personal accident). By year-end, 86 health claims were closed, with 21 resolved through mediation. Only 18 health claim decisions went in favour of customers.

Ombudsman Complaints for FY 2024-25

The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.

LOB	Total Claims Paid (in number)	Total Claims Amounts Settled	Total Complaints that went to Ombudsman	Total Complaints where final decision was given	Total Complaints Settled via Mediation	Total Decisions in favour of Customer
Health (including PA, travel)	2,18,082	₹1,374.64 Crore	110	86	21	18
Motor(OD + TP, Including theft, PA)	6,51,954	₹2,199.58 Crore	124	104	28	26
Other LOBs (miscellaneous)	45,642	₹1,047.34 Crore	22	17	3	3
Grand Total	9,15,678	₹4,621.56 Crore	256	207	52	47

Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.

Some feathers on our cap!

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

Ambition Box Employee Choice Awards 2025

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

Digit Health Insurance Featured in Headlines

Know what Nikhil Kamdar from Digit Insurance has to say about Maternity Coverage Health Insurance

17 Jan 2025
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According to Akanksha Jain from Digit Insurance, what are the important steps to check while buying Health Insurance

17 Apr 2025
India TV News

Why is health insurance denied based on BMI, explained by Vivek Chaturvedi from Digit Insurance

17 Apr 2024
Business Standard

Know What Digit Chairman Kamesh Goyal has to say about fixing renewal premiums

25 Feb 2024
Moneycontrol

According to Vivek Chaturvedi from Digit Insurance, what are the key factors while choosing maternity cover?

29 Mar 2024
The Hindu Business Line

Focus on essential features when choosing a health insurance, says Vivek Chaturvedi from Digit Insurance

30 Jan 2024
Livemint

FAQs related to Digit Health Insurance

All

Is Digit's health insurance premium tax-deductible?

Yes, as per Section 80D of the Income Tax Act, individuals who purchase health insurance for themselves or their families can claim tax benefits of up to Rs 25,000 and Rs 75,000 for senior citizens.

How quickly are cashless health insurance claims approved at Digit?

According to the Digit Transparency Report 12.0, on average, cashless pre-authorisation claims are approved within 26.93 minutes. In fact, 75% of approvals happen within 30 minutes, ensuring minimal stress during hospitalisation.

How fast is the discharge process under cashless health insurance?

Discharge approvals are equally prioritised at Digit. According to the transparency report for FY25, the average turnaround time is 58.95 minutes. Over 65% of discharge approvals were completed within an hour.

Does Digit cover pre and post-hospitalisation treatment expenses?

Yes, Digit covers pre and post-hospitalisation treatment expenses. In FY’25, Digit paid over ₹27 crore in pre and post-hospitalisation costs, including a case where one patient undergoing malignancy treatment had 10+ visits fully covered.

What are the chances of my claim getting rejected at Digit?

Digit achieved a claim settlement ratio of 99%, with only a fraction of claims disputed and even fewer ruled against by the Insurance Ombudsman. This means there are very few chances of your claim getting rejected at Digit.

What happens if a customer disagrees with a claim decision?

Customers can escalate to the Insurance Ombudsman. At Digit, out of 2.18 lakh health claims, only 110 went to the Ombudsman, and in just 18 cases, the decision favoured the customer, reflecting a high internal accuracy rate.

Can I buy and manage my Digit Health Insurance policy online?

Yes. From policy purchase to claim filing, everything can be done 100% online via Digit’s website or mobile app, making the process fast, paperless, and hassle-free.

Does Digit offer health insurance for senior citizens?

Yes, Digit offers specialised health insurance plans for senior citizens with higher sum insured options, cover for pre-existing conditions, domiciliary hospitalisation and flexible co-pay options.

Can I cancel Digit's health insurance policy at any time?

We have a 15-days free look-up period which means you can cancel your policy with 100% refund on your premium within 15 days of purchasing your policy. In case of cancellation post that, the premium can be refunded on a pro-rata basis.

How does Digit handle health insurance claims?

Digit offers a 24x7 claim support system with a paperless process. A cashless or reimbursement claim can be filed online or via their mobile app. The cashless treatment is provided for around 9000+ network hospitals.

Does Digit Health Insurance cover pre-existing diseases?

Yes, Digit health insurance covers pre-existing diseases, but there is a waiting period before coverage begins. The duration varies by policy, but it is generally between 1 and 3 years. Hence, it’s essential to review this in your policy document before purchasing.

Can I port my existing health insurance to Digit?

Yes, Digit allows policy portability from other insurers. You can retain your continuity benefits, such as waiting periods, but you must apply for portability at least 45 days prior to your current policy's expiration.

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CIN: L66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited | Corporate Office Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095 | Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Digit Health Insurance Reviews

Key Highlights about Digit Health Insurance

From the Hearts of Our Happy Customers

Key Benefits of Health Insurance by Digit

Digit's Cashless Network Hospitals

Interesting Claim Stories about Digit Health Insurance

Highest Health Claim of ₹16.77 Lakh Settled by Digit in FY’25

Over ₹27 Crore Settled for Pre and Post-Hospitalisation Expenses in FY’25

7,747 Babies Covered Under Their Parents' Policies in FY’25

Digit’s Health Insurance Claim Numbers for FY'25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

65% Cashless Discharge Approved in Just 60 Minutes at Digit

Almost 70% of Reimbursement Claims Settled in Just 2 Days

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY’25

Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25

9.16 Lakh Claims Settled

₹4,622 Crore Paid in Claims

99.9950% Claims Accuracy

Ombudsman Complaints for FY 2024-25

Some feathers on our cap!

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

Best Digital Insurer - India​

Technology Champion of the Year (GI)​

General Insurance Company of the Year​

Top Employer in India 2024 & 2025​

Most Innovative Insuretech Platform​

Part of Fortune India 500 List 2024 (Ranked 312)​

Digit Health Insurance Featured in Headlines

FAQs related to Digit Health Insurance

Is Digit's health insurance premium tax-deductible?​

How quickly are cashless health insurance claims approved at Digit?

How fast is the discharge process under cashless health insurance?

Does Digit cover pre and post-hospitalisation treatment expenses?

What are the chances of my claim getting rejected at Digit?

What happens if a customer disagrees with a claim decision?

Can I buy and manage my Digit Health Insurance policy online?

Does Digit offer health insurance for senior citizens?

Can I cancel Digit's health insurance policy at any time?​

How does Digit handle health insurance claims?

Does Digit Health Insurance cover pre-existing diseases?

Can I port my existing health insurance to Digit?

Latest News

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

Best Digital Insurer - India

Technology Champion of the Year (GI)

General Insurance Company of the Year

Top Employer in India 2024 & 2025

Most Innovative Insuretech Platform

Part of Fortune India 500 List 2024 (Ranked 312)

Is Digit's health insurance premium tax-deductible?

Can I cancel Digit's health insurance policy at any time?