Go Digit Life Insurance: Overview
Go Digit General Insurance, founded in 2016 by Kamesh Goyal, was initially incorporated as Oben General Insurance Limited and later rebranded as Go Digit General Insurance Limited in 2017. Go Digit Life Insurance offers a variety of life insurance plans, including term life insurance, whole life insurance, endowment plans, and group term life insurance. They also offer a unique combination plan called the Digit Life Healthy Glow Policy, which combines term life and health insurance.
Why Choose Go Digit Life Insurance?
Go Digit Life Insurance Company ensures to look after your insurance needs by offering:
- Affordable premiums
- Simple documentation process
- Wide range of insurance solutions
- Totally paperless processes
- Tax savings
Features of Go Digit Life Insurance Plans
- Go Digit Life Insurance Plans are available at affordable premiums so that a large section of customers can easily afford them.
- Go Digit Life insurance plans offer flexible policy tenure to the policyholders so that they can choose it as per their requirements.
- Go Digit Life insurance plans offer a grace period in case you miss your premium payment. A 15-day grace period is applicable in case of monthly payments and a 30-day grace period is applicable in case of quarterly, half-yearly, and yearly payments.
- You can choose the premium payment frequency from monthly, quarterly, half-yearly, and yearly as per your requirements.
- Go Digit Life offers life insurance products for individuals of all age groups.
Exclusions of Go Digit Life Insurance Plans
- Death that occurred due to any pandemic such as Covid-19 is not covered by the company.
- Death caused due to indulging in any type of adventure sport.
- Death due to consumption of any type of drugs and alcohol.
- Death due to any pre-existing disease that isn't mentioned during the start of the policy.
- If a policyholder commits suicide within the first 12 months of purchasing the policy, then no death benefits are paid to their nominee. Only the premiums paid to the date of the incident or the surrender value of the policy, whichever is higher, are paid to them.
Conclusion
Go Digit Life is one of the reputed life insurers with the highest claim settlement ratio of 99.51%. It offers a wide range of insurance products including term plans, ULIPs, child insurance plans, saving plans, etc., to meet the needs of every individual.
For more info related to Axis Max Life Insurance Company, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you. One of our insurance experts will reach you shortly, understand your requirements, and help you choose a plan that best suits your requirements.
Benefits of Go Digit Life Insurance Plans
There are multiple benefits of Go Digit Life Insurance Plans. Read below to understand the plethora of advantages provided by the insurer.
Choose the Sum Assured as per Your Requirements
You can choose the sum assured of your Go Digit Life insurance plan as per your future financial needs and the number of dependents at pocket-friendly costs.
Multiple Premium Payment Options
Go Digit Life insurance plans offer multiple premium payment options such as: monthly, quarterly, half-yearly, and yearly.
Wide Range of Plans
Go Digit Life Insurance Company offers various plans, including term insurance plans, ULIP plans, retirement plans, and child plans. You can choose the one that best suits your needs.
Hassle-Free Purchase
You can purchase Go Digit Life plans hassle-free through PolicyX.com or their nearest branch offices.
Additional Protection Through Riders
You can choose rider options with Go Digit Life Insurance to enhance the overall coverage of your base plan.
Riders You Can Avail With Go Digit Life Insurance Plans
You can avail of the following riders with Go Digit Life Insurance Plans:
| Name of the Rider |
Benefits |
| Go Digit Accidental Death Rider |
Offers additional benefits in case of the policyholder’s death due to an accident. |
| Go Digit Accidental Disability Rider |
This rider offers the rider sum assured in case the policyholder becomes partially or totally disabled due to an accident. |
| Go Digit Critical Illness Rider |
In case the policyholder is diagnosed with any of the critical illnesses mentioned in the brochure then rider benefits are paid to them. |
Documents Required to Buy Go Digit Life Insurance Policy
Here is the list of documents required to buy the Go Digit Life Insurance Policy:
Photo ID Proof
Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
Age Proof
Age Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
Address Proof
Address Proof (either of one) - Utility bill, passport, voter ID, ration card.
Medical Records
Medical Records of the policyholder if requested.
Income Proof
Income Proof (either of one) - bank statement, last three months' salary slips (if you are salaried).
How to Calculate Premiums
- Step 1
Visit the official website of Go Digit Life Insurance Company.
- Step 2
From the top of the page choose the type of plan you want to buy - Term plan/ Investment plan/ ULIPs, etc.
- Step 3
A new window will open. Enter your basic details including name, contact number, email address, occupation, residence details, etc.
- Step 4
It will show you the premium amount based on the provided details.
- Step 5
Once the payment is made, you will get a payment confirmation at your registered email address.
How to File Go Digit Life Insurance Claims?
Every claimant/nominee is assigned a dedicated Claims Relationship Officer who helps through the entire process. The life insurance claim settlement of Go Digit Life Insurance involves the following steps:
Online Process
1. Claim Intimation
Inform the company about the incident via various available channels. You can file it through the Go Digit application. A claim reference number/intimation number will be provided to you upon successfully registering the claim.
2. Document Submission
You will be requested to submit the following documents to process the claim.
In case of natural death: death claim form, death certificate issued by the local municipality, original policy documents, claimant's identity & residence Proof, medical records, and account details of the nominee.
In case of an accidental death: the same documents with an FIR and post-mortem report.
3. Claim Settlement
After receiving all the documents and claim forms, the insurer will verify the details. If they require any additional details they will contact you via call or email. On successful completion, the claim will be settled and the amount will be transferred to the nominee's bank account and the same will be communicated to him/her over a call or an email.
Offline Process
Go Digit Life Insurance Company's claim settlement procedure can be initiated by visiting the local Go Digit Life Branch Office. For the details of Go Digit Life Insurance branches, you can visit their website and locate the nearest branch. You have to submit the above-mentioned documents in hardcopy at your nearest branch to file the claim.
How to Port Your Policy
- Step 1
Fill out the form given at the top of this page with the necessary details.
- Step 2
Select your income and city. Click on 'Proceed'.
- Step 3
Update your education and occupation details.
- Step 4
Choose your preferred plan and click on 'Buy this plan'.
- Step 5
Select the policy term, premium period, and riders (if required), and then proceed to make the payment. Once the payment is made, you will get a payment confirmation at your registered email address.
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