Digit Health Insurance

Digit Health Care Plus Policy Plan

Digit Health Insurance

7.4/10

OneAssure Rating

90.69%
Claim Settlement Ratio
11,300
Network Hospitals

Highlighted Features

Room Rent (Normal & ICU)

Room Rent (Normal & ICU)

Covers hospital room and ICU charges up to the sum insured, ensuring financial security during hospital stays.

Advanced Treatments

Advanced Treatments

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Brochure

Our Verdict

The Digit Health Care Plus Policy-Diamond offers comprehensive coverage, including critical illness and maternity. With flexible add-ons and a wide hospital network, it’s ideal for families seeking extensive, customizable health insurance.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Room Rent: Policyholders can select a per-day room rent limit, as specified in their policy schedule.

  2. ICU Charges: The plan provides coverage for ICU charges, subject to the terms outlined in the policy

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02

Advanced Treatments

  1. Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.

  2. Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
     

  3. Infertility Treatment: Coverage is provided up to 10% of the sum insured.

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03

Co-payment

  1. Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.

  2. Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.

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04

Waiting Periods

  1. Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.

  2. Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
     

  3. Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years. 

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05

Cashless Healthcare Providers

  1. Access to over 11,300 cashless network hospitals across India. 

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06

Day Care Treatments

  1. Covered by the policy.

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07

AYUSH Treatment

  1. The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

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Exclusions

Add-ons

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Why OneAssure?

Coverage That Grows With You

We help you maximize your coverage over time for stronger protection.

About the Company

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