Digit Health Insurance Plan | Compare & Get Online Discounts

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Updated on Jun 11, 2025 4 min read

Digit Health Insurance: Overview

Digit Health Insurance Company was incorporated in 2016 with an ideology to make the concept of health insurance an easy and hassle-free affair. It aims to offer unique insurance plans in a simplified manner to ensure that health insurance is accessible to every segment.

The company offers simple, transparent, and customized health insurance plans that can fulfill your healthcare needs. Digit Health Insurance Company was awarded Asia's General Insurance Company of the Year in 2019.

In the below section, we will be exploring key features, plans offered by the company and much more. Continue reading to get an overview of the Digit Health Insurance Company.

16400+

Network
Hospitals

30 Days

Waiting
Period

Lifetime

Renewability
Policy

Up to 1 Crore

Sum
Insured

Worldwide

Coverage
Available

What are some of the
Features
that set them apart?

1

10+ Wellness Partners
2

A comprehensive wellness system to promote a healthy lifestyle
3

Up to 10% City based discount
4

Worldwide coverage available
5

5% Good health discount

Digit Health Insurance Awards and Accolades

'Best Group Medical Insurance Cover India 2022'
'Best General Insurance Company 2022'
'Fastest Growing General Insurance Company India 2022'
'IFTA 2022 Excellence in Insurtech Award'
'Best Motor Insurance Coverage India 2022'

Why Do We Exist?

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Best Selling Digit Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Accident Health Insurance

Digit Health Insurance Plans	Eligibility	Approximate Annual Premiums
Digit Personal Accident Plan	Entry Age - Sum Insured - Up to 0	Rs.

Individual and Family Health Insurance

Digit Health Insurance Plans	Eligibility	Approximate Annual Premiums
Digit Health Care Plus Policy	Entry Age - Sum Insured - Up to 0	Rs.
Digit Arogya Sanjeevani Plan	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of Digit Health Insurance

Let us take a look at some unique features of top-selling Digit Health Insurance policies:

For Accident Health Insurance

Digit Personal Accident Plan

Digit Personal Accident Plan

An accidental health insurance policy that will protect you as well as your family members. You will get a fixed benefit in the case of any unfortunate accident.

Why do we recommend this?

Fixed benefits
Get a wide range of coverage
Cumulative bonus

For Individual and Family Health Insurance

Digit Health Care Plus Policy
Digit Arogya Sanjeevani Plan

Digit Health Care Plus Policy

There are 16 Base Sections and 6 optional covers under this policy which comes with multiple SI options.

Why Do We Recommend This?

Choose from 6 optional covers
Versatile health coverage
High sum insured

Explore other Digit Health Insurance

To cater to the different medical needs of an individual & their family, Digit Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Digit Health Insurance plans explore more:

Accident Health Insurance

Digit Personal Accident Plan

Out of over 5 lakh road accidents in India, the reported total number of deaths is more than 1.6 lakhs and over 4.4 lakhs of people got severely injur...

Unique Features

No room rent capping
Zero co-payment
Accidental death & disability cover

Digit Personal Accident Plan (Pros)

Accidental death
Total or partial disability
Loss of income cover

Digit Personal Accident Plan (Cons)

Self-inflicted injuries
Alcoholism or drug abuse
War and terrorism affairs

Digit Personal Accident Plan (Other Benefits)

Hospitalisation expenses
Benefits for children
Adventure sports injury cover

Digit Personal Accident Plan (Eligibility Criteria)

Minimum- 18 years
Plan type- Individual
Initial waiting period- 30 days

Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan you can avail basic coverage benefits suc...

Unique Features

OPD Benefit
Maternity & Newborn Cover
Critical Illness Cover

Digit Health Care Plus Policy (Pros)

Accidental Hospitalization Cover
Critical Illness Cover
Cancer cover

Digit Health Care Plus Policy (Cons)

No global cover
Illegal activites not covered
No obesity covered

Digit Health Care Plus Policy (Other Benefits)

Sum Insured Refill Benefit
Psychiatric Illness
Hearing Aids

Digit Health Care Plus Policy (Eligibility Criteria)

Min. Entry Age - 18
Max. Entry Age - No Limit
SI - Unlimited
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Digit Arogya Sanjeevani Plan

Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between 3 Lakhs to 2 Crores. The plan covers indivi...

Unique Features

Lifelong Renewability
Affordable Premiums
SI Upto 2 Crores

Digit Arogya Sanjeevani Plan (Pros)

High sum insured up to 2 Crores
AYUSH cover
Ambulance Cover

Digit Arogya Sanjeevani Plan (Cons)

Adventure Sports
Self-harm
Obesity or weight control

Digit Arogya Sanjeevani Plan (Other Benefits)

Modern treatment cover
Cataract Cover
Dental Treatment

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

Min Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L- 2 Cr
Initial Waiting Period - 30 Days

Why Choose Digit Health Insurance?

Versatile and affordable health insurance plans for every need
24X7 claim support for easy claim settlement
Over 16400 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

What is Covered?

Pre and Post Hospitalization Expenses

Digit Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most Digit Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Digit health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Digit health insurance plans are designed to cover daycare procedures for policyholders.

Organ Donor Cover

Digit health insurance plans covers organ donor expenses up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

Digit health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Digit Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Digit Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Digit Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Digit health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Digit Health Insurance Plans?

The various waiting periods associated with Digit Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Digit Health Insurance plans.

Pre-existing Disease Waiting Period

Digit Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.

Survival Period

Like waiting periods, Digit health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

Riders Of Digit Health Insurance

Digit health insurance plans offer comprehensive coverage. However, to enhance your health insurance experience the health insurer provides add-on covers too.

Pre-existing Disease Modification

Policyholders have the liberty to reduce various waiting periods as per their convenience for PED waiting periods, and more.

Reduce the waiting period to up to 2 years for PEDs
Specific disease waiting period reduction
Modify the initial waiting period

Network Hospital Discount

This additional rider helps you reduce your premiums if you choose to be treated in Digit network hospitals.

10% discount on your premium
co-payment applicable for non-network hospitals
Versatile healthcare

Digit Health Insurance Plans Buying Process

If you are looking forward to purchasing Digit Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare Digit Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Digit Health Insurance plan.

Digit Health Insurance Renewal Process

Follow the steps for Digit Health Insurance policy renewal

Step 1
Visit the official website of Digit Health Insurance Company
Step 2
From the top menu bar, click ‘Renewals'.
Step 3
Log in with your mobile number, or you can log in with your policy details.

Connect with our insurance experts for Digit health insurance policy renewal at 1800 - 4200 - 269

Digit Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Digit Health Insurance Plans by following these easy steps:

Step 1
Visit the website of Digit Health Insurance, and select the "File a Claim" option.
Step 2
You can contact with Digit Health Claims team on their helpline number 1800-258-4242
Step 3
Mention your policy number.
Step 4
Mention your Date of birth as well as policy start and end date.
Step 5
Click on register claim
Step 6
After clicking on the register claim button you will receive a claim intimation number which you need to note down for future purposes.

Documents Required For Digit Health Policy Claim Settlement

Submit the following documents when filing for Digit health claims:

Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Digit Health Insurance

Digit Health Insurance: FAQs

1. How many health claims can I make in one year?

There is no limit to that. You can make a claim as long as your sum insured is not exhausted.

2. What to do if I am unsatisfied with the company or its services?

No worries. You can escalate your grievances by following a Grievance Redressal Procedure. In case, you are still not satisfied with the resolution or have not received any response, you can send an email to grievance@godigit.com

3. Does Digit Arogya Sanjeevani’s Health Policy come with any optional covers?

No, there are no optional covers associated with the policy. The policy only offers standard benefits, which are included in the plan.

4. Will my policy cover expenses that occurred due to Covid-19?

Yes, as per the new guidelines by IRDAI, anyone with a health insurance policy will get coverage for expenses incurred due to COVID-19.

5. What is the toll-free number of Go Digit Health Insurance Company?

Go Digit Health Insurance toll-free no. is 1800-258-5956.

6. Does Digit health insurance offer free medical check-ups?

Digit health insurance offers free medical check-ups if you renew your coverage with the insurer without interruption. The costs of a health check-up are covered by Digit health insurance up to the specified sum insured as stated in your policy document.

7. Does digit medical insurance offer any specific health insurance plan for kids?

Go Digit does not offer any specific health insurance plan for kids. However, children can be covered under their parents’ insurance plans.

8. What sum insured does Digit health insurance offer under its health plans?

Digit health insurance offers a sum insured of a minimum of INR 2 lakhs under its individual health plans.

9. Which Illnesses are covered under Digit Health Insurance plans?

The company offers coverage against the below-mentioned critical illnesses. Cancer of Specified Severity Open Chest CABG Apallic Syndrome Myocardial Infarction (1st heart attack of specific severity) Open heart surgery Surgery to Aorta

10. I live in Punjab. Will my Digit Health Insurance be valid if I shift to another state?

Yes, Digit’s health insurance policy is valid pan India. However, it is advisable to check with the company’s terms and conditions regarding the zone and co-payment clause.

Other Health Insurance Companies

Compare mediclaim policies with other top insurers in India.

Digit Health Insurance

Digit Health Insurance: Overview

Digit Health Insurance Awards and Accolades

Why Do We Exist?

Compare

Compare

Best Selling Digit Health Insurance Plans

Accident Health Insurance

Individual and Family Health Insurance

Key Features Of Digit Health Insurance

For Accident Health Insurance

Why do we recommend this?

For Individual and Family Health Insurance

Why Do We Recommend This?

Why Do We Recommend This?

Explore other Digit Health Insurance

Digit Personal Accident Plan (Pros)

Digit Personal Accident Plan (Cons)

Digit Personal Accident Plan (Other Benefits)

Digit Personal Accident Plan (Eligibility Criteria)

Digit Health Care Plus Policy (Pros)

Digit Health Care Plus Policy (Cons)

Digit Health Care Plus Policy (Other Benefits)

Digit Health Care Plus Policy (Eligibility Criteria)

Digit Arogya Sanjeevani Plan (Pros)

Digit Arogya Sanjeevani Plan (Cons)

Digit Arogya Sanjeevani Plan (Other Benefits)

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

Recommended Videos

Why Choose Digit Health Insurance?

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Organ Donor Cover

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

What Are The Different Waiting Periods In Digit Health Insurance Plans?

Initial Waiting Period

Pre-existing Disease Waiting Period

Survival Period

Riders Of Digit Health Insurance

Pre-existing Disease Modification

Network Hospital Discount

Digit Health Insurance Plans Buying Process

Digit Health Insurance Renewal Process

Digit Health Insurance Plan Claim Process Steps

Documents Required For Digit Health Policy Claim Settlement

Health Insurance Premium Calculator

More Queries?

Explore Digit Health Insurance

Digit Health Insurance: FAQs

1. How many health claims can I make in one year?

2. What to do if I am unsatisfied with the company or its services?

3. Does Digit Arogya Sanjeevani’s Health Policy come with any optional covers?

4. Will my policy cover expenses that occurred due to Covid-19?

5. What is the toll-free number of Go Digit Health Insurance Company?

6. Does Digit health insurance offer free medical check-ups?

7. Does digit medical insurance offer any specific health insurance plan for kids?

8. What sum insured does Digit health insurance offer under its health plans?

9. Which Illnesses are covered under Digit Health Insurance plans?

10. I live in Punjab. Will my Digit Health Insurance be valid if I shift to another state?

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