Digit Health Insurance

Godigit Health Care Plus Option 3 Plan

Digit Health Insurance

7.4/10

OneAssure Rating

90.69%
Claim Settlement Ratio
11,300
Network Hospitals

Highlighted Features

Room Rent (Normal & ICU)

Room Rent (Normal & ICU)

There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.

Advanced Treatments

Advanced Treatments

Covers cutting-edge procedures like robotic surgery, stem cell therapy, deep brain stimulation, and monoclonal antibody immunotherapy under specialized insurance plans.

Policy Wording

Our Verdict

GoDigit Health Care Plus Option 3 offers comprehensive coverage with a high sum insured, including modern treatments and cashless hospitalization. Add-ons like maternity and critical illness enhance its value, making it a strong choice for individuals and families seeking robust, customizable health protection.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Room Rent and ICU Charges: There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.

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02

Advanced Treatments

  1. Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.

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03

Co-payment

  1. No Age or Zone-Based Co-payment: Policyholders are not required to share costs based on their age or geographical location.
     

  2. Higher Zone Treatment Co-payment: If treatment is received in a higher medical zone than the insured's designated zone, a co-payment of 10-20% applies.
     

  3. Voluntary Co-payment: Policyholders can opt for a voluntary co-payment, agreeing to pay a predetermined percentage of claim amounts, which can reduce premium costs.

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04

Waiting Periods

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    05

    Cashless Healthcare Providers

    1. Access to over 11,300 cashless network hospitals across India. 

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    06

    Day Care Treatments

    1. 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​.

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    07

    AYUSH Treatment

    1. The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

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    Exclusions

    Add-ons

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    Why OneAssure?

    Coverage That Grows With You

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    About the Company

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    Frequently Asked Questions

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