Digit Health Insurance
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Digit Health Insurance

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 at offering 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.

Why Choose Digit Health Insurance Company?

Choosing an ideal health insurance company depends on various factors like network hospitals 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 evaluated Digit Health Insurance Company on the above-mentioned factors.

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

  • 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.
  • 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. As per the Annual Report of IRDAI for 2020-21, the solvency ratio of Digit Health Insurance is 2.61.
  • 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 becomes 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 for theannual year 2020-21 is 94.24 which shows that the company cares for its customers' needs during uncertain times.
  • 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 2020-21 shows that the Annual Gross Premium of the Digit Health Insurance is 2,417.62 Crores.
Digi Health Insurance Key Features
Digit Health Insurance
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Digit Health Insurance Plans

Below-mentioned are the plans offered by Digit Health Insurance. Take a look at them and choose the one ideal for you and your family.

Digit Health Insurance Individual & Family Plans

Comprehensive Plan

Digit Health Insurance

A complete health insurance package that comes with benefits such as accidental and illness hospitalization cover, annual health check-ups, psychiatric support, critical illnesses and many more.

Unique Benefits

  • No age-based copayment
  • Maternity expenses covered
  • Automatic restoration of SI


Digit Arogya Sanjeevani Policy

A standard health insurance policy that covers your healthcare expenses up to 2 crores and includes new-age treatments and much more.

Unique Benefits

  • Lifelong Renewability
  • 5% of copayment applicable
  • Plastic Surgery & Dental Treatments

Digit Health Insurance Specialized Plans

Super top-up

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.

Unique Benefits

  • No capping on room rent
  • Complimentary health check-ups
  • Bariatric surgery covered

OPD Cover

Digit OPD Health Insurance

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

Unique Benefits

  • Professional & diagnostic fees covered
  • Dental treatments covered
  • 10% Cumulative Bonus available

Personal Accident

Digit Personal Accident Insurance Policy

The policy covers you and your loved ones in case of an accident resulting in injury or death and offers fixed benefits to the beneficiary.

Unique Benefits

  • Loss of income covered
  • Total or partial disabilities covered
  • Benefits for children

Digit Health Insurance Group Policy


Digit Corporate Health Insurance

The Digit Corporate Health Insurance covers a group of people who work under the same organization and offers health insurance for illnesses and diseases and a COVID-19 cover.

Unique Benefits

  • Low-cost premiums
  • Post hospitalization lumpsum benefit
  • Health insurance for all company sizes

Exclusions Of Digit Health Insurance Plans

Health insurance plans offered by Digit Health Insurance try to cover almost everything, however, there still are a few conditions that are excluded. Below is the list of a 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.

Digit Health Insurance Premium Calculation

Below are some Digit Health premium charts for you to understand the calculation of Digit health mediclaim policies. You can explore all the aspects involved in premium calculation with the help of the Digit insurance premium calculator.

Digit Health Insurance

Plan VariantsSmartComfortComfort Pro
Annually Premium Payable (in Rs.)5,4776,4797,928

Digit Super Top-up Health Insurance

Sum Insured (in Rs.)10 Lakhs20 Lakhs30 Lakhs
Annually Premium Payable (in Rs.)5,4776,4797,928

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?

Digit Health Insurance has a very simple and hassle-free claim settlement process. Digit Health Insurance allows you to file claims in one of two ways: cashless or reimbursement.

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.

Reimbursement Claim Process

  • 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 a canceled cheque.
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by the medical practitioner.
  • Medical practitioner'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

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


1800 103 4448

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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 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.

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. Digit medical insurance offer any specific health insurance plan for kids?

Go Digit does not offer any specific health insurance plan for kids. But children can be covered under the insurance plans of their parents.

8. What sum insured does Digit health insurance offered under its individual 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
  • Lung failure (end-stage)
  • Liver failure (end-stage)
  • Kidney Failure (regular dialysis)
  • Bone Marrow/Major Organ Transplant
  • Benign Brain Tumor
  • Major Head Trauma
  • Paralysis of Limbs (permanent)
  • Coma of Specified Severity
  • Stroke (permanent symptoms)
  • Motor Neuron Disease (permanent symptoms)
  • Aplastic Anaemia
  • Multiple Sclerosis (persisting symptoms)
  • Loss of independent existence

**Before buying a plan, go through the plan's brochure for an exact list of illness covered.

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.

Digi Health Insurance Reviews

Read what our customers have to say about digi health insurance company and digi health mediclaim policy.

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Anchal Sharma


September 14, 2021

I will never forget the help that I received from Digit Health Insurance in settling my claims. They were very quick and very helpful.

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Saroj Logani


September 14, 2021

One of the best health insurance companies ever. I am glad that I bought a health insurance plan from Digit Health Insurance.

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Ravi Kumar


September 14, 2021

I faced no issues while applying for cashless hospitalization when my daughter was diagnosed with typhoid. Thank you Digit Health.

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Tanisha Kapoor


September 6, 2021

good plans from Digit and good customer support as they help me to buy the best suitable health plan for me

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Ramesh Pawar


September 2, 2021

I got bought a health plan from them, I was pleased with their commitment. Good service from you guys.

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Vidhushi Khandelwal


August 23, 2021

The company is very good. Service and customer care agents are also good. All my family members are covered under this plan.

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Neelam Yadav


May 26, 2021

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.

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Nikita Sharma


May 25, 2021

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.

View All digi Health Insurance Reviews