Digit Health Care Plus Policy
  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover
Digit Health Insurance
premium

Network hospitals

10500+

premium

Claim settlement ratio

96.09%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

10

premium

Solvency Ratio

1.77

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10500+

premium

Claim settlement ratio

96.09%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

10

premium

Solvency Ratio

1.77

premium

Pan India Presence

-

Digit Health Care Plus Health 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 such as room rent, ICU, ambulance, critical illness coverage, and many more such features. Along with base coverage, you can also opt the optional coverage benefits like loss of income cover, cumulative bonus protection cover, unused sum insured benefits, and daily cash for accompanying an insured child. Digit Health Care Plus policy offers 16 base covers and 6 optional covers to insured individuals.

The minimum entry age for insured individuals has to be 18 years while there is no maximum entry age limit. Dependent children can also be covered under the plan from the age of 91 days. The policy period can be opted for between 1/2/3 years and insured individuals are offered long-term policy discounts of up to 10%. To understand more about Digit Health Care Plus policy read the article in detail.

Digit Health Care Plus Policy Eligibility Criteria

To invest in the Digit Health Care Plus Policy individuals must fulfill the eligibility criteria mentioned below:

Entry Age

Minimum: 18 Years Children: 91 Days to No Limit

Adult Entry Age

Maximum: No Limit

Plan Type

Individual/Family Floater

Sum Insured

Unlimited Sum Insured

Policy Term

1/2/3 Years

Initial Waiting Period*

30 Days

Digit Health Care Plus Policy Benefits

Insured individuals are entitled to a plethora of benefits available with the Digit Health Care Plus policy that are mentioned below:

  • Multiple Optional Covers
    With the Digit Health Care Plus policy you can avail of multiple optional covers like cumulative bonus protection cover, loss of income cover, unused sum insured benefit, network hospital co-payment, daily cash for accompanying an insured child, and payment of non-medical expenses.
  • Tax Benefits
    Premiums paid towards the Digita Health Care Plus policy are eligible for tax benefits under the Income Tax Act of India, 1961.
  • Refill Benefit
    Under this particular benefit, individuals can enjoy a refill of 100% of their sum insured specified and utilized under Accidental Hospitalization Cover and Accidental & Illness Hospitalization Cover for that particular policy period.
  • Critical Illness Cover
    Digi Health Care Plus policy offers medical expense coverage against 20 listed critical illnesses.
  • Maternity & New Born Cover
    Insured individuals can avail of maternity and newborn baby coverage with the Digit Health Care Plus policy and are limited to up to 2 children.

Choose Your Digit Health Care Plus Policy

To understand the coverage terms under the Digit Health Care Plus policy refer to the table mentioned below

Coverage for SI:Unlimited SI

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Applicable

Automatic Restoration

Applicable

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Applicable

Sub-limits

Not Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Digit Health Care Plus Insurance Policy?

Under Digit Health Care Plus Insurance Policy, the room rent is covered

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Digit Health Care Plus Insurance Policy?

Under Digit Health Care Plus Insurance Policy, ICU charges are covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Digit Health Care Plus Insurance Policy?

Under Digit Health Care Plus Insurance Policy, pre-hospitalization is covered

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy covers medical expenses incurred during post-hospitalization.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy covers domiciliary hospitalizations.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy covers the expenses of all daycare procedures.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Digit Health Care Plus Insurance Policy?

OPD charges are covered under Digit Health Care Plus Insurance Policy.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Digit Health Care Plus?

Digit Health Care Plus Insurance Policy offers a no-claim bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy offers automatic restoration benefits.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization..

Coverage status under Digit Health Care Plus Insurance Policy?

The Daily hospital cash is available under Digit Health Care Plus Insurance Policy.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, organ donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy Maternity Cover is available.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • ongenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, the newborn baby cover is available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, AYUSH treatment is covered.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, IVF is available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, modern treatments are covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, ambulance cover is available.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, air ambulances are covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, global coverage is not covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, E-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Digit Health Care Plus Insurance Policy?

Under the Digit Health Care Plus Insurance Policy, a health check-up is available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy does cover the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Digit Health Care Plus Insurance Policy?

Digit Health Care Plus Insurance Policy does cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Digit Health Care Plus Insurance Policy?

Co-pay is applicable to different features and benefits under the plan.

What is the Sub limit?

Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.

Status under Digit Health Care Plus Insurance Policy?

Sub-limits are not applicable.

Digit Health Care Plus Plan Exclusions

Diseases or health conditions that are not included under the Digit Health Care Plus Plan are mentioned below:

Obesity or weight control-related surgeries

Injuries due to breach of law

Injuries due to substance abuse

Injuries due to hazardous or adventure sports

Cosmetic or plastic surgeries

Explore other Digit Health Plans

With a wide range of Health Plans,Digit Health Insurance company ensures to cater to every healthcare need of its customers. At present, the company offers more than 15 health plans that are designed to fulfill each and every medical need of the policyholder.

Conclusion

Digit Health Care Plus is a highly versatile health insurance plan with unlimited sum insured options. Insured individuals can customize their health insurance plan as per their needs and requirements with 7 optional covers and base coverage options. You can cover your family members under the same plan. With wellness benefits such as doctor on call, wellness coach, pharmacy services, lab services, home care services, and more you are offered holistic all-around medical care.

Digit Health Care Plus Policy: FAQs

1. What are the various critical illnesses covered under the Digit Health Care Plus Plan?

The Health Care Plus Plan offers coverage against multiple critical illnesses like

  • Cancer
  • Coma of Specified Severity
  • Major Organ Transplant
  • Nervous System Ailments
  • Paralysis of Lims and more

2. Can you avail of tax benefits with Digit Health Care Plus Policy?

Yes, individuals are eligible to avail tax benefits under the Income Tax Act of India, 1961.

3. Is maternity cover available under Digit Health Care Plus Policy?

Yes, Digit Health Care Plus policy offers insured individuals maternity benefits.

4. Are OPD expenses covered under Digit Health Care Plus Policy?

Yes, OPD expenses are covered under the Digit Health Care Plus policy.

5. What is the long hospitalization cash benefit under Digit Health Care Plus policy?

with long hospitalization cash benefit insured individuals are given a lump sum amount in case they are hospitalized for a minimum number of consecutive days as opted by you.

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Digit Health Insurance Policy Review

Read what customers think about the Digit Health Insurance Policy.

Customer Review Image

Anchal Sharma

Patna

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.

Customer Review Image

Saroj Logani

Delhi

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.

Customer Review Image

Ravi Kumar

Ahmedabad

September 14, 2021

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

Customer Review Image

Tanisha Kapoor

Mumbai

September 6, 2021

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

Customer Review Image

Ramesh Pawar

Bengaluru

September 2, 2021

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

Customer Review Image

Vidhushi Khandelwal

Delhi

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.

Customer Review Image

Neelam Yadav

Delhi

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.

Customer Review Image

Nikita Sharma

Meerut

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 Digit Health Insurance Reviews

Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.