Arogya Sanjeevani Policy Go Digit Plan
Digit Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers robotic surgeries, monoclonal antibody immunotherapy, and stem cell therapy up to 50% of the sum insured.
Room Rent (Normal & ICU)
Offers coverage up to ₹5,000 per day for normal rooms and ₹10,000 per day for ICU stays.
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Our Verdict
Go Digit Arogya Sanjeevani offers affordable health coverage with sum insured up to ₹2 crores, covering hospitalization, AYUSH, and pre/post-hospitalization. Ideal for individuals and families seeking standardized, cost-effective protection with a 5% co-payment.
About the Plan
The Go Digit Arogya Sanjeevani Policy offers comprehensive health coverage with sum insured options from ₹3 lakhs to ₹2 crores. It covers hospitalization, pre/post-hospitalization, day care treatments, and AYUSH treatments. A 5% co-payment applies to all claims. Waiting periods include 30 days for general illnesses, 24 months for specific diseases, and 48 months for pre-existing conditions. Benefits include lifelong renewability, cumulative bonuses, and a grace period for renewal. It’s an affordable, standardized plan ideal for individuals and families.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.
ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.
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 up to 50% of sum insured.
Co-payment
5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.
Waiting Periods
Initial Waiting Period: 30 days (except for accident-related claims).
Pre-existing Diseases: Covered after 36 months of continuous policy renewal.
Specific Diseases: Certain illnesses have a 24-month waiting period, as specified in the policy.
Cashless Healthcare Providers
Access to over 16,400 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, when conducted in a recognized hospital.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital.
Exclusions
Any hospitalization or pre-hospitalisation expenses not related to the medical claim made will not be covered.
Obesity or weight control related surgeries not related to any co-morbidities will not be covered.
Change of gender treatments are not covered under this policy.
Cosmetic and plastic surgeries unless for reconstruction following an accident, cancer, or to remove a direct and immediate health risk are not covered.
The Arogya Sanjeevani Policy does not cover domiciliary care or OPD expenses.
Claims resulting from committing or attempting to commit a criminal act will not be covered.
Treatments due to substance abuse are not covered in the Arogya policy.
Medical expenses relating to participation in hazardous or adventure sports are excluded.
Maternity related expenses are not part of this policy.
Sterility and fertility treatments are not covered.
Treatments without a doctor’s recommendation or not necessitated medically will not be covered.
Exclusions
Hospitalization Expenses - Coverage for in-patient hospitalization, including room rent, ICU charges, doctor's fees, and nursing expenses.
Pre and Post-Hospitalization - Medical expenses incurred 30 days before and 60 days after hospitalization are covered.
Ambulance Charges - Expenses for emergency ambulance services are covered up to a specified limit.
Add-ons
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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.
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