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According to a report published by the States and Union Territories on PIB, India records over 5 lakh road accidents annually, resulting in more than 1.6 lakh deaths and over 4.4 lakh severe injuries.
A Digit Personal Accident Insurance policy provides crucial medical and financial protection when you need it most. It covers not only the insured member but also their nominees. In the unfortunate event of an accident, which could be a road accident, a fall, burns, or any other mishap, the policyholder might face accidental death or total/partial permanent disablement.
Such severe accidents can make it challenging for the insured individual to support their family. Why wait for financial distress when you can secure your family's future proactively?
Before making a decision, understand the specifications and exclusions of the Digit Personal Accident Insurance plan. This policy covers hospitalization expenses for accidents or injuries and provides financial support to your family, including education grants for children and marriage expenses if the insured suffers permanent total disability or accidental death.
Read on to know more about Digit health insurance for personal accident coverage offerings.
| PLAN DETAILS |
Personal Accident Insurance |
Aditi Health Insurance |
| Product Type | Accident Health Insurance | Individual and Family 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) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
9000 | 2400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Available |
| Plan Entry Age | 18 Years | 18 years |
| Plan Premium Entry Age and S/A | NA | 3456 |
| Plan Waiting Period | 30 | Nil |
| Plan Coverage | Accidental death, disability cover, hospitalization expenses, daily cash benefit, OPD & domiciliary care, fracture & burns cover | Hospitalisation expenses, ICU charges, daycare procedures, pre and post-hospitalisation, and emergency ambulance cover. |
| Plan Sample Premium | NA | 3456 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 99 | 100 |
| Solvency Ratio | 3.85 | 1.61 |
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