Digit Double Wallet Policy And Plan
Digit Health Insurance
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room expenses up to the sum insured without any sub-limits.
Co-payment Benefit
No co-payment required; the insurer covers the entire claim amount, reducing out-of-pocket expenses for the insured.
Brochure
Policy Wording
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Our Verdict
Digit Health Care Plus – Double Wallet offers comprehensive coverage with sum insured reinstatement, cumulative bonus, and a wide range of add-ons. Ideal for families seeking robust healthcare protection and flexibility.
About the Plan
The Digit Health Care Plus Policy – Double Wallet is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes benefits such as hospitalization expenses, pre and post-hospitalization care, and day care treatments. The policy offers a sum insured backup feature, allowing reinstatement of the sum insured once per policy period for related and unrelated illnesses, ensuring continuous protection. Additionally, it provides a cumulative bonus of 10% for each claim-free year, up to a maximum of 100%. Policyholders can also benefit from free annual health check-ups and have access to a wide network of over 16,400 cashless hospitals.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
Full Claim Paid by the insurer.
Waiting Periods
Initial waiting period of 30 days from the policy start date.
Pre-existing diseases are covered after a waiting period of 3 years.
Cashless Healthcare Providers
Network of over 16,400+ cashless hospitals.
Day Care Treatments
Medical procedures that require less than 24-hour hospitalization, such as cataract surgeries or chemotherapy, are covered under the policy.
AYUSH Treatment
Alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered, providing a holistic approach to healthcare.
Exclusions
Pre-existing conditions unless disclosed and accepted by the insurer.
Intentional self-injury, suicide, or attempted suicide.
Conditions arising from alcohol, drug, or intoxicant misuse.
Injuries or illnesses resulting from war, invasion, or military actions.
Cosmetic or aesthetic procedures unless medically necessary due to an accident.
Treatment for infertility, in vitro fertilization, or assisted conception procedures.
Expenses related to participation in hazardous activities or adventure sports.
Experimental, unproven, or alternative treatments unless explicitly covered.
Medical expenses for non-allopathic treatments unless specified in the policy.
Treatments related to weight control, obesity, or dietary supplements.
Congenital external diseases, anomalies, or defects.
Charges for hospitalization solely for diagnostic purposes without active treatment.
Treatment received outside India unless covered by a global coverage add-on.
Expenses for non-prescribed medical equipment, prosthetics, or external medical aids.
Any injury or condition arising due to nuclear, biological, or chemical exposure.
Exclusions
Maternity Benefit & Newborn Cover - Covers maternity expenses, pregnancy complications, and newborn care, limited to two children.
Out-Patient (OPD) Benefit - Reimburses consultations, diagnostics, and prescribed drugs for allopathic outpatient treatments from network practitioners.
Home (Domiciliary) Hospitalization - Covers treatments at home requiring hospitalization, subject to policy conditions and approvals.
Sum Insured Refill Benefit - Refills sum insured if exhausted, ensuring continued coverage for unrelated conditions.
Emergency Air Ambulance - Covers air transportation for emergency life-threatening conditions requiring immediate hospital transfer.
Long Hospitalization Cash Benefit - Provides lump sum payment for hospital stays exceeding a specified duration.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Digit Insurance is a leading Indian general insurance provider revolutionizing the industry with simple, technology-driven solutions. Offering diverse products like car, bike, health, and travel insurance, it ensures transparency and convenience. Committed to customer satisfaction, Digit simplifies claims processes and delivers innovative coverage tailored to modern needs, making insurance hassle-free.
Founded in 2016, Digit Insurance is based in Bengaluru, India, with Jasleen Kohli serving as its CEO and Managing Director.
About the Company
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