Digit Health Plus Policy
vs
Personal Accident Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Digit Health Plus Policy |
 Personal Accident Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
16400 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 18 Years to No Limit | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 5477 | N/A |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | - | - |
| Plan Sample Premium | 5477 | N/A |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1,2,3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.83 | 93.54 |
| Solvency Ratio | 1.9 | 3.6 |
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.
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