Overview
Go Digit General Insurance Limited is a non-life general insurance company incorporated in 2016. It has been ranked as the Top Indian Start-up for 2 consecutive years. It is one of the fastest growing insurance company with a base of over 3 Million customers & also the only Indian Insurance Company to be featured in the Global FinTech 250 list. The Company offers simpler non-life general insurance solutions through digital platform.
Highlights for Go Digit Arogya Sanjeevani Policy
Cataract Treatment
Ambulance
AYUSH
Features
Sub-limits
Room Rent
Room rent for in-patient hospitalisation
ICU Charges
Charges for ICU hospitalisation
Ambulance
Transportation of the patient to the hospital and back home
Modern Treatments
All advanced treatment with upgrade in technology.
Pre-Hospitalisation : 30 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 2-4 years
Listed specific illness
Waiting Period- PED : 4 years
No pre-existing ailment related claims are accepted within this period.
Room Rent : Up to 2% of the Upto Sum Insured. Subject to maximum of Rs.5000/- per day
Room rent for in-patient hospitalisation
ICU Charges : Up to 5% of the Upto Sum Insured. Subject to maximum of Rs. 10,000/- per day
Charges for ICU hospitalisation
Co pay : 5% co pay on all claims
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : No
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : No
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : The Cumulative Bonus increases by 5% for each claim-free year upon renewal with the company without interruption, up to a maximum of 50% of the current policy year's Upto Sum Insured.
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : No
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : Road Ambulance Cover 2000/- per day
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : No
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Upto Sum Insured
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : Upto Sum Insured
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Upto 50% of sum insured
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.