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Digit Personal Accident Plan
According to a report published by the States and Union Territories on PIB, India records over 5 lakh road accidents annually, resulting in…
- Accidental death
- Total or partial disability
- Loss of income cover
Digit Health Insurance
Digit Health Care Plus Policy
There are 16 base sections and 6 optional covers under this policy, wh ...Read More
Up to 1 Crore
Sum insured
1
No. of plans
10+
Pan India presence
99%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 9,000+ hospitals
📊 3.85 solvency ratio
✅ 99% claim settlement
About Digit Health Care Plus Policy
A quick read on what this Digit Health Insurance plan covers and why it might be a fit for you.
The 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 features.
Along with base coverage, you can also opt for optional coverage benefits like loss of income cover, cumulative bonus protection cover, unused sum insured benefits, and daily cash for accompanying an insured child. The Digit Health Care Plus policy offers 16 base covers and 6 optional covers to insured individuals.
The minimum entry age for insured individuals is 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, or 3 years, and insured individuals are offered long-term policy discounts of up to 10%. To understand more about the Digit Health Care Plus policy, read the article in detail.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 Years to No Limit
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
Lifetime
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Accidental Hospitalization Cover
- Critical Illness Cover
- Cancer cover
Cons
- No global cover
- Illegal activities not covered
- No obesity covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Go Digit Health Insurance
It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer. It also mentions the Network Hospitals & other Key Benefits.
Digit Health Care Plus Policy Benefits
Insured individuals are entitled to a plethora of benefits available with the Digit Health Care Plus policy, as mentioned below:
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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.
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Tax Benefits
Premiums paid towards the Digit Health Care Plus policy are eligible for tax benefits under section 80D of the Income Tax Act of India, 1961.
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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.
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Critical Illness Cover
The Digit Health Care Plus policy offers medical expense coverage against 20 listed critical illnesses.
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Maternity & New Born Cover
Insured individuals can avail of maternity and newborn baby coverage with the Digit Health Care Plus policy, limited to up to 2 children.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min. Entry Age: 18
- Max. Entry Age: No Limit
- SI: - Unlimited
- Initial Waiting Period: - 30 Days
Other features & benefits
- Sum Insured Refill Benefit
- Psychiatric Illness
- Hearing Aids
Digit Health Care Plus Policy: FAQs
The 7 most-asked questions about Digit Health Care Plus Policy, answered.
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
Yes, individuals are eligible to avail tax benefits under the Income Tax Act of India, 1961.
Yes, Digit Health Care Plus policy offers insured individuals maternity benefits.
Yes, OPD expenses are covered under the Digit Health Care Plus policy.
with long hospitalization cash benefit insured individuals are given a lump sum in case they are hospitalized for a minimum number of consecutive days as opted by you.
For most Digit Health Insurance plans, individuals can be covered from 18 years up to a maximum entry age of 65 years, though some plans may have no upper limit for adults. Dependent children can be included from 91 days old, with no upper age limit for their coverage under most family plans.
Digit Health Insurance covers a wide range of medical expenses including hospitalization (room rent, ICU, doctor fees, surgery), day care procedures, pre- and post-hospitalization costs, road ambulance, and sometimes AYUSH and outpatient (OPD) treatments, depending on the specific plan chosen. Plans can also include benefits like maternity cover, newborn care, critical illness cover, and dental treatment, with many offering optional covers for more comprehensive protection.
Conclusion
Digit Health Care Plus offers unlimited sum insured options, family coverage, customizable protection with 7 optional covers, and wellness benefits like doctor-on-call, lab, pharmacy, home care, and wellness coaching services.
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