Digit Health Care Plus Policy Silver Plan
Digit Health Insurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers modern medical procedures like robotic surgery, monoclonal antibody immunotherapy, and stem cell therapy, ensuring access to innovative healthcare solutions.
Room Rent (Normal & ICU)
Covers hospital room and ICU charges up to the sum insured, reducing financial burden during hospital stays.
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Policy Wording
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Our Verdict
Digit Health Care Plus Silver offers comprehensive coverage with maternity, organ donor expenses, and optional add-ons like loss of income and cumulative bonus protection. Ideal for individuals and families seeking flexible, customizable health insurance.
About the Plan
The Digit Health Care Plus Policy-Silver offers comprehensive coverage, including hospitalization, day care treatments, pre and post-hospitalization expenses, organ donor expenses, and AYUSH treatments. It covers maternity benefits, newborn care, infertility treatments, and road ambulance costs. Optional covers include loss of income, cumulative bonus protection, and daily cash for an insured child’s guardian. Available for individuals 18+ and dependent children (91 days+), the policy offers flexible tenures of 1, 2, or 3 years for customized health protection.
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 d. 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
First Year: 25% of the admissible claim amount.
First Renewal: 10% co-payment applies.
From Second Renewal Onwards: No co-payment, provided the policy is renewed continuously without a break.
Waiting Periods
A general waiting period of 30 days applies from policy inception, except for accidents.
Pre-existing diseases are covered after 36 to 48 months, depending on the condition.
Specific diseases have a 24-month waiting period, as detailed in the policy.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Day Care Treatments
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis. Treatment must be conducted in a recognized hospital or daycare center.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Exclusions
Conditions existing before policy inception are excluded during the waiting period.
Injuries resulting from intentional self-harm are not covered.
Medical issues arising from alcohol or drug abuse are excluded.
Treatments for aesthetic purposes without medical necessity are not covered.
Injuries due to war, riots, or nuclear hazards are excluded.
Expenses related to childbirth, miscarriage, abortion, and infertility treatments are not covered.
Exclusions
Loss of Income Cover - Provides financial support if hospitalization leads to a loss of income.
Cumulative Bonus Protection Cover - Ensures that your cumulative bonus remains intact even after a claim is made.
Unused Sum Insured Benefit - Allows carrying forward a portion of the unused sum insured to the next policy year.
Daily Cash for Accompanying an Insured Child - Offers a daily cash allowance for a parent or guardian accompanying a hospitalized insured child.
Payment of Non-Medical Expenses - Covers expenses typically excluded from standard policies, such as consumables and other non-medical items.
Network Hospital Co-payment - Provides an option to reduce or eliminate co-payment clauses when availing treatment at network hospitals.
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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