Digit Health Insurance Reviews

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 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.

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! ☺️

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.