Digit Health vs National Health Health Insurance 2026 | PolicyX

Overview

Established in 2016, Digit Insurance makes health insurance simple, transparent and easy to manage—ideal for first-time buyers. With 16,400+ network hospitals it offers wide cashless cover and a digital-first experience; named Asia's General Insurance.
COMPANY DETAILS ✎ Edit

Digit Health

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National Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 Crore

Sum Insured

Up to ₹ 2 Crores
Claim ratio

Claim Ratio

99%

Claim Ratio

91.31%
Network hospitals

Network Hospital

9000+

Network Hospital

3200+
Solvency Ratio

Solvency Ratio

3.85

Solvency Ratio

-0.67
Pan India Presence

Pan India Presence

10

Pan India Presence

850
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

1,625.93 Crore

Annual premium (company level)

8,589.90 Crore
Years in operation

Years in operation

8 years

Years in operation

1906
24×7 claim support

24×7 claim support

No

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96.71

Claims settled within 3 months

91.18
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National Health Insurance

▶ National Health Insurance

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Digit Health Insurance

Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus is a comprehensive health policy offering 360-degree coverage, including base benefits like room rent, ICU,...

  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover
  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover
  • No global cover
  • Illegal activities not covered
  • No obesity covered
  • Sum Insured Refill Benefit
  • Psychiatric Illness
  • Hearing Aids
  • Min. Entry Age - 18
  • Max. Entry Age - No Limit
  • SI - Unlimited
  • Initial Waiting Period - 30 Days
View plan
Accident Health Insurance

Digit Personal Accident Plan

Digit Personal Accident Insurance provides crucial financial and medical protection against the high risk of accidents, covering a...

  • No room rent capping
  • Zero co-payment
  • Accidental death & disability cover
  • Accidental death
  • Total or partial disability
  • Loss of income cover
  • Self-inflicted injuries
  • Alcoholism or drug abuse
  • War and terrorism affairs
  • Hospitalisation expenses
  • Benefits for children
  • Adventure sports injury cover
  • Minimum- 18 years
  • Plan type- Individual
  • Initial waiting period- 30 days
View plan

National Health Insurance

Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy offers indemnity-based health coverage from National Insurance, available as individual or f...

  • Maternity Cover
  • Cataract Cover
  • High SI Cover
  • Room Rent Cover
  • Day Care Procedure
  • AYUSH Treatment
  • Morbid Obesity Treatment
  • Illegal Activities
  • Adventure Sports
  • Cumulative Bonus
  • Wellness Discount
  • Long Term Discount
  • Min entry age: 18 years
  • Max entry age: 43 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 10 Lakhs
View plan

The National Insurance Group Mediclaim Policy offers comprehensive indemnity health coverage for groups, providing an alternative ...

  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures
  • 140+ daycare procedures
  • HIV cover
  • Affordable premiums
  • AYUSH cover
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injuries due to illegal activity
  • Co-payment discounts available
  • PED cover
  • 30-day pre-hospitalisation
  • Modern treatment
  • Entry Age: 3 Months
  • Maximum Entry Age: N/A
  • Sum Insured: INR 50
  • 000 to INR 10 Lakhs
  • Waiting Period: 30 days
View plan

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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