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.
Below, we explore the key features and plans offered by the company. Continue reading for an overview of Digit Health Insurance Company.
Key Features of Digit Health Insurance
- 9000+ network hospitals
- 30 days waiting period
- Lifetime policy renewability
- Sum insured: Up to 1 Crore
- Worldwide coverage available
What Sets Digit Health Insurance Apart?
- 10+ wellness partners
- A comprehensive wellness system to promote a healthy lifestyle
- Up to 10% city-based discount
- Worldwide coverage available
- 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 Choose Digit Health Insurance?
What Is Covered by Digit Health Insurance?
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 24-hour hospitalization. With this in mind, a majority of Digit health insurance plans are designed to cover daycare procedures for policyholders.
Organ Donor Cover
Digit health insurance plans cover organ donor expenses up to specified sub-limits.
What Is Not Covered by Digit Health Insurance?
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 cosmetic surgeries or treatments.
Adventure Sports
Digit Health Insurance plans will not cover 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 if 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. To enhance your health insurance experience, the health insurer also provides add-on covers.
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
How to Buy Digit Health Insurance Plans?
If you are looking to purchase Digit Health insurance online, follow these simple steps:
- Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
- Click on 'Get free quotes' and compare Digit Health Insurance plans as per your needs.
- Select and pay premiums online for the Digit health insurance plan of your choice.
- 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.
Documents Required for Digit Health Policy Claim Settlement
Submit the following documents when filing for Digit health claims:
- Duly completed and signed claim form (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 test reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Digit Health Insurance Claim Process Steps
You can file for cashless as well as reimbursement claims for your Digit Health Insurance plans by following these easy steps:
- Visit the website of Digit Health Insurance and select the "File a Claim" option.
- You can contact the Digit Health Claims team on their helpline number 1800-258-4242.
- Mention your policy number.
- Mention your date of birth, as well as the policy start and end date.
- Click on "Register Claim".
- After clicking on the "Register Claim" button, you will receive a claim intimation number, which you need to note down for future purposes.
How to Renew Digit Health Insurance Policy
Follow these steps for Digit Health Insurance policy renewal:
- Visit the official website of Digit Health Insurance Company.
- From the top menu bar, click ‘Renewals’.
- 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.
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