Digit General Insurance Plan
Digit Health Insurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.
Advanced Treatments
Covers cutting-edge procedures like robotic surgery, stem cell therapy, deep brain stimulation, and monoclonal antibody immunotherapy under specialized insurance plans.
Brochure
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Our Verdict
The Digit Health Care Plus Policy-Gold offers extensive coverage with no room rent caps, global emergency support, and maternity benefits. Ideal for families seeking comprehensive health protection and flexibility in healthcare options.
About the Plan
The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement ratio of 97%, ensuring accessible and reliable healthcare services.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.
Advanced Treatments
Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.
Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.
Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.
Co-payment
The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.
Waiting Periods
Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.
Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Exclusions
Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for self-inflicted injuries or suicide attempts is excluded.
Expenses due to alcohol, drug, or other intoxicant abuse are not covered.
Injuries arising from participation in hazardous or adventure sports are excluded.
Cosmetic or plastic surgery, unless medically necessary due to an injury, is not covered.
Surgical treatments for obesity or weight control are excluded unless meeting specific medical criteria.
Treatments related to gender transition or reassignment are not covered.
Expenses for unproven, experimental, or alternative treatments are excluded.
Routine dental and vision care, unless required due to an accident, is not covered.
Injuries or illnesses caused by war, acts of terrorism, or nuclear exposure are excluded.
Exclusions
Worldwide Emergency Coverage - Covers medical emergencies and hospitalization expenses incurred while traveling abroad for complete global protection.
OPD & Consultation Cover - Provides reimbursement for doctor consultations, diagnostic tests, prescribed medications, and outpatient treatments without requiring hospitalization.
Maternity & Newborn Care - Includes coverage for maternity expenses, delivery costs, and essential newborn care for financial ease during childbirth.
Critical Illness Cover - Offers a lump-sum payout for life-threatening diseases like cancer, heart attack, and kidney failure to support medical expenses.
Personal Accident Cover - Provides financial protection in case of accidental death, disability, or hospitalization due to unforeseen accidents.
Wellness & Preventive Care Benefits - Covers annual health checkups, fitness programs, vaccinations, and preventive screenings to maintain long-term well-being.
Add-ons
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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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