Network hospitals
16400+
Incurred claim ratio
96.83%
Sum insured
Up to 1 Crore
No. of Plans
1
Solvency Ratio
1.9
Pan India Presence
10+
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.
To understand Digit Health Care Plus Policy Insurance in detail, take a look at the below table:
18 Years to No Limit
Individual and Family Health Insurance
Unlimited
30 Days
Lifetime
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.
Read more specifications in the brochure.
With wide coverage options available, Digit Health Care Plus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Insured individuals are entitled to a plethora of benefits available with the Digit Health Care Plus policy that are mentioned below:
Go Digit Health Insurance
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.
Plan Variants | Smart | Comfort | Comfort Pro |
Annually Premium Payable (in Rs.) | 5,477 | 6,479 | 7,928 |
Sum Insured (in Rs.) | 10 L | 20 L | 30 L |
Annually Premium Payable (in Rs.) | 5,477 | 6,479 | 7,928 |
Permanent diseases or health conditions that are not included under Digit Health Care Plus Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
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.
To cater to the different medical needs of an individual & their family, Digit Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Digit Health Insurance plans explore more:
Individual and Family Health Insurance
Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between 3 Lakhs to 2 Crores. The plan covers indivi...
Unique Features
Individual and Family Health Insurance
Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan you can avail basic coverage benefits suc...
Unique Features
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.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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