Digit Health Insurance

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About Digit Health Insurance

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

All in all, the company dedicatedly offers simple, transparent, and customised health insurance plans that make it one of the favourite choices among the people.

Moreover, with its determination to offer the best to its customers, the company was awarded Asia’s General Insurance Company of the Year 2019.

Continue reading to explore more about the company.

Key Features of Digit Health Insurance Company

With the availability of 29 health insurance companies, one may get confused about which company to trust for their healthcare needs. Choosing an ideal health insurance company depends on the various factors such as the network hospital provided by the company, its claim support, solvency ratio, annual premium, etc. These factors help an individual to assess the stability of the company.

To help you make an informed decision of selecting an insurance provider based on the factors mentioned above, we at PolicyX.Com have created a rank-wise list of all the insurance companies.

Let’s discuss the key features of the Digit Health Insurance for a better understanding of the company.

1 Network Hospitals

Network hospitals help you avail of a cashless treatment at the time of a medical emergency. The Digit Health Insurance Company offers 5,900+ network hospitals where you can easily avail of the cashless facility for medical treatment along with complimentary health check-ups.

2 Solvency Ratio

The solvency ratio is one of the important factors when it comes to selecting an ideal health insurance company. It helps you assess the company’s ability to meet its long-term financial obligations.

According to IRDAI, every insurer must maintain a solvency ratio of 1.5, irrespective of the number of risks that the insurer entities carry or the liabilities that arise from the insurance policy’s pricing.

To assess this company’s ability to meet its financial obligations, we compared its solvency ratio from the last 2-3 years. Have a look at the below graph representation to understand better.

Solvency Ratio Of Digit Health Insurance Company

Solvency Ratio Of Digit Health Insurance Company

As per IRDAI Annual Report 2016-20, the solvency ratio of the Digit has always matched the standards of IRDAI, which indicates it has a good claim paying ability.

3 Claim Support (Claims settled within 3 months)

It is useless to have a health insurance policy if the insurer cannot settle claims timely. Therefore, it is crucial to check the claim support of the company that you are going to choose.

As far as Digit Health Insurance is concerned, the company’s claim support is 99.65 which shows that the company cares for its customers' needs during uncertain times.

Have a look at the below graph showcasing the 10 companies with the highest claim support:

10 Insurance Companies With Highest Claim Support

10 Insurance Companies With Highest Claim Support

**Data from IRDAI Annual Reports

4 Annual Premium

The annual Premium of an insurance company helps you identify the volume of a business and measures the preference of a consumer over other companies. The Annual Report of IRDAI 2019-20 shows that the Annual Gross Premium of the Digit Health Insurance is 17.52 crores.

When compared with the previous years, the company has shown significant growth which indicates that the company is growing and will continue to offer the best to its customers.

Types Of Plans Offered by Digit Health Insurance

To get a better understanding of the plans offered by the company, please check the table below:

Digit Health Insurance PlansType of PlansWhy Should I Buy?
Digit Health InsuranceComprehensive Health InsuranceA complete health insurance package that covers all the healthcare needs of an individual and his family.
Digit Super Top-up Health InsuranceSuper Top-up PolicyAn extension to your regular health insurance policy that comes into action when your basic coverage is exhausted.
Digit OPD Health InsuranceOPD Health InsuranceA plan that covers the outpatient expenses such as consultation or treatment of such injury or illness that does not require hospitalization.
Digit Corporate Health InsuranceGroup Health InsuranceA plan that covers all the employees of an organization, and allow the company to look after the healthcare needs of its employees
Digit Arogya Sanjeevani PolicyStandard Health InsuranceA plan designed for those who want to cover their healthcare needs but are afraid of the high premiums.

Let’s understand the plans in detail:

  1. Digit Health Insurance

    The Digit Health Insurance is designed for those individuals who are looking for a policy that covers the entire family under a single policy. The plan comes on an Individual Basis and Family Floater basis. With a bucket full of benefits, the plan ensures that you or your family members do not have to worry about the finances at the time of a medical emergency.

    There are two variants available under this plan: Smart Option & Comfort Option.

    Key Features

    • The plan covers Accidental, Illness & COVID-19 Hospitalization
    • In case your sum insured is exhausted due to the claims made, the plan will refill the amount.
    • The plan offers additional covers that allow the policyholders to enhance their cover. The additional covers are:
      • Maternity Benefit with Newborn Baby Cover
      • Alternate Treatment (AYUSH)
      • Zone Upgrade

    Sample Premium Illustration of Digit Health Insurance

    Have a look at the below graph that indicates how the premium payable under the plan will change with different sum insured options.

    Graph Illustrating The Premium Amount of Digit Health Insurance - Both Variants

    Sample Premium Illustration of Digit Health Insurance

    What is Covered Under Digit Health Insurance?

    ParametersSmart OptionComfort Option
    Day Care ProceduresCoveredCovered
    Pre-Hospitalization ExpensesCovered up to 30 daysCovered up to 60 days
    Post- Hospitalization ExpensesCovered up to 60 daysCovered up to 90 days
    Room/ICU Rent Capping per dayUp to Rs. 5,000No Limit
    Maternity ExpensesCovered, up to Rs. 20,000Covered, up to Rs. 40,000
    Cumulative Bonus10% CB up to 50%50% CB Up to 100%
    Refill Sum InsuredNot AvailableAvailable
    Road Ambulance ChargesAvailable, up to Rs. 5,000Available, up to Rs. 5,000
    Organ Donor ExpensesNot CoveredCovered
    Hospital CashNot AvailableRs. 500
    Post Hospitalization Lump Sum1.5% of approved claimed amount.1.5% of approved claimed amount.
    Psychiatric Illness CoverCovered, up to Rs. 25,000Covered, up to Rs. 1 Lakh
    Bariatric SurgeryCovered, up to Rs. 25,000Covered, up to Rs. 5 Lakhs
  2. Digit Super Top-up Health Insurance

    Digit Super Top-up health insurance is an extension to your regular health insurance policy that comes into action when your basic health coverage gets exhausted due to the claims made. Unlike other top-up plans that cover a single claim, these plans cover cumulative medical expenses.

    Key Features

    • Under this plan, the policyholders have to pay their deductible amount only once and then can make multiple claims.
    • The policyholders can customize their plan and can choose from the deductible option from Rs. 1, 2, 3, and 5 lakhs, and between Rs. 10 lakhs - Rs. 20 lakhs as per the Sum Insured.
  3. Digit OPD Health Insurance

    OPD- Out-Patient Department, which includes consultations, diagnosis, and treatments for any illnesses or injuries that do not require hospitalization are covered under this plan.

    Key Features

    • The plan covers the OPD expenses such as Professional Fees, Diagnostic Fees, Surgical Treatments, Medicine Bills & Dental Treatments.
    • The plan offers complimentary health checkups to the policyholders, allowing them to reimburse their expenses towards any annual medical tests and checkups, at any hospital of their choice.
    • There are two additional covers available under the plan, which are: Maternity Benefit with Newborn Baby Cover Zone Upgrade.
  4. Digit Corporate Health Insurance

    The Digit Corporate Health Insurance covers a group of people who work under the same organization. Such insurance policies offer a valuable benefit to the employees as they get health insurance without spending any money on the premiums.

    Key Features

    • In case of a medical emergency if the sum insured of an employee is exhausted, then the plan will refill the sum insured unlimited times for any illnesses.
    • The plan is eligible for every company of all shapes and sizes. Be it a start-up with only 10 employees or an MNC with over 100 employees, the plan covers all.
    • It comes with an in-built critical illness cover.
  5. Digit Arogya Sanjeevani Policy

    Arogya Sanjeevani Health Insurance offered by Digit is a standard health insurance policy that covers your healthcare expenses up to 5 lakhs without burdening your pockets.

    Key Features

    • The policy comes with an option of lifelong renewability, which means it can be renewed at any age providing you are paying your premiums on time.
    • The plan comes with a low copayment of 5% which means that during the claims you will have to bear only 5% of the expenses from your pocket.
    • It comes with two plans available: An Individual Health Policy and a Family Floater Health Insurance.

    What Is Covered under Arogya Sanjeevani Health Insurance Policy?

    ParametersValues
    Hospitalization ExpensesCovered
    Day Care ProceduresCovered
    Pre-Hospitalization ExpensesCovered up to 30 days
    Post- Hospitalization ExpensesCovered up to 60 days
    Room RentUp to Rs. 5,000
    ICU/ICCU chargesUp to Rs. 10,000
    AYUSH TreatmentCovered
    Cumulative Bonus5% CB in the sum insured
    Road Ambulance ChargesAvailable, up to Rs. 2,000
    Organ Donor ExpensesNot Covered
    Plastic Surgery and Dental TreatmentsCovered
    Cataract SurgeryCovered
    New Age TreatmentsUterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)
    Balloon Sinuplasty
    Deep Brain stimulation
    Oral Chemotherapy
    Immunotherapy - Monoclonal Antibody to be given as an injection
    Intra vitreal injections
    Robotic surgeries
    Stereotactic radio surgeries
    Bronchial Thermoplasty
    The vaporisation of the prostate (Green laser treatment or holmium laser treatment)
    IONM: Intra Operative NeuroMonitoring
    Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

    As discussed earlier, the Arogya Sanjeevani Health plan is an affordable way of securing the health needs of an individual and his family. To make this point clear, we have compared the premium of this plan with another health insurance plan offered by Digit. Have a look.

    Digit Arogya Sanjeevani Health Policy Vs. Digit Health Insurance Plan:

    Digit Arogya Sanjeevani Health Policy Vs. Digit Health Insurance Plan

Exclusions Of Digit Health Insurance Plans

Though the health plans offered by the company tries to cover almost everything, however, there still are few conditions that are excluded. Below is the list of few general exclusions:

  • Pre-Existing Diseases
  • Hospitalization without doctor’s recommendation
  • Injuries occurred due to Hazardous Activities /Professional Sports/Defence Operation
  • Cosmetic surgeries, such as plastic surgeries, sex change operation, IVF treatment
  • Sexually Transmitted Infections & Disease

To check the complete list of exclusions, refer to the policy document.

How Can I Buy Digit Health Insurance?

Buying Digit Health Insurance is an easy and hassle-free task. Just follow the below-mentioned steps and secure your and your family’s healthcare needs.

  • Visit the official website of Digit Health Insurance.
  • On the home page, under the health tab, fill up your Pincode, members you want to cover, and your contact number.
  • Once done, the page will then show you the premium amount of your desired plan.
  • Calculate the premium online by selecting the coverage amount and add any optional covers if you want.
  • Make the payment online.
  • Once confirmed, your policy details will be mailed to you on your registered email ID.

How Can I Renew My Digit Health Insurance?

Now, you can renew your policy while sitting at home. Read further to know-how.

  • Go to the official website of Digit Health Insurance.
  • From the top menu bar, click the ‘Renewals’
  • Log in with your mobile number, or you can log in with your policy details.
  • Once done, pay the premiums online and you will get your renewed policy details on your registered email address.

What Is The Claim Process of Digit Health Insurance?

To offer utmost comfort to its customers, the company allows them to file claims in two simple ways. Let’s learn about them.

For Cashless Claim

  • Inform the company at least 2-3 days prior to your planned hospitalization, or within 24 hours of hospitalization in case of an emergency situation.
  • Get admitted to any of the network hospitals associated with the company. Use your e-health card and show them your identification proof.
  • Fill up the pre-approval form that will be available at the Mediassist help desk/insurance helpdesk at the hospital.
  • After validating your identity, the network hospital will submit the pre-authorization request form to the company.
  • The company will review your request and provide the confirmation to the network hospital by fax or email and share the same with you via text or email.
  • The company will settle the claim with the hospital after the completion of all formalities.

For Reimbursement Claim

  • If admitted to a non-network hospital, notify the company within two days of your admission date.
  • After intimating the company, you will receive a link where you can upload the soft copies of all original documents like your treatment bills, medical reports, etc.) and bank details of your desired bank account.
  • Once submitted, you will receive the payment within 30 days from the receipt of the last necessary claim document.

Documents Required To File a Claim

Duly Filled and Signed Claim form

Valid ID proof

KYC (Photo ID Card) Bank Details with Cancelled Cheque

Original reports of diagnostic tests, radiology reports, and payment receipts

Original hospital bills and discharge certificate signed by the medical practitioner

Medical Practioner’s prescription for consultation, medicine, and medical tests

Post Mortem Report (if applicable)

Other documentation requested by the company

Contact Details Of Digit Health Insurance

Corporate Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095.

Contact Number: 1800 103 4448

Email Address: hello[at]godigit[dot]com

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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 not satisfied 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 Health Policy come with any optional covers?

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

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (5 Total Rating)

May 26, 2021

Neelam Yadav

Delhi

This is a very good company. I am so glad that I decided to buy their health insurance plan. Would definitely recommend this company to my family and friends.

May 25, 2021

Nikita Sharma

Meerut

Just got my claims for coronavirus settled today. So happy that I made this decision to buy Digit Health Insurance plan. Without any hassles I got my claims reimnursed within 48 hours.

May 25, 2021

Kunal Kharbanda

Indore

My wife bought the company s health plan for both of us. I am glad she made this decision. The compnay has a wide range of plans available that looks after the needs of every individual.

May 25, 2021

Adesh Rana

Lukhnow

Totally satisfied with the company and their services. Keep doing what you are doing Digit. Happy to be a part of Digit family

May 25, 2021

Anant Negi

Agra

From last 1 year, I have secured mine and my family s healcthcare needs with Digit Health Insurance. It is a very good compnay that looks after evry needs of its customers. Will definately recomment this compnay to my relatives.

Last updated on May 2021

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