Digit Health Care Plus Policy Plan
Digit Health Insurance
7.2/10
OneAssure Rating
7.2/10
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
GoDigit Health Care Plus Option 4 offers comprehensive medical coverage with optional maternity, critical illness, and worldwide benefits. Ideal for individuals and families seeking customizable, extensive healthcare protection with valuable add-ons.
About the Plan
The GoDigit Health Care Plus Option 4 is a health insurance plan offered by Go Digit General Insurance Limited. This plan provides comprehensive medical coverage, including inpatient hospitalization, pre and post-hospitalization expenses, and day care procedures. It also offers optional benefits such as maternity cover, critical illness cover, and worldwide coverage. Policyholders can customize their coverage by selecting from various sum insured options and add-ons to suit their healthcare needs.
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
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
Pre-existing conditions unless disclosed and accepted by the insurer
Intentional self-injury, suicide, or attempted suicide
Conditions arising from alcohol, drug, or intoxicant misuse
Injuries or illnesses resulting from war, invasion, or military actions
Cosmetic or aesthetic procedures unless medically necessary due to an accident
Treatment for infertility, in vitro fertilization, or assisted conception procedures
Expenses related to participation in hazardous activities or adventure sports
Experimental, unproven, or alternative treatments unless explicitly covered
Medical expenses for non-allopathic treatments unless specified in the policy
Treatments related to weight control, obesity, or dietary supplements
Congenital external diseases, anomalies, or defects
Charges for hospitalization solely for diagnostic purposes without active treatment
Treatment received outside India unless covered by a global coverage add-on
Expenses for non-prescribed medical equipment, prosthetics, or external medical aids
Any injury or condition arising due to nuclear, biological, or chemical exposure
Exclusions
Maternity Benefit & Newborn Cover - Covers maternity expenses, pregnancy complications, or termination, limited to two children.
Out-Patient (OPD) Benefit - Reimburses consultations, diagnostics, and prescribed drugs for allopathic outpatient treatments from network practitioners.
Home (Domiciliary) Hospitalization - Covers treatments at home requiring hospitalization, subject to policy conditions and approvals.
Sum Insured Refill Benefit - Refills sum insured if exhausted, ensuring continued coverage for unrelated conditions.
Emergency Air Ambulance - Covers air transportation for emergency life-threatening conditions requiring immediate hospital transfer.
Long Hospitalization Cash Benefit - Provides lump sum payment for hospital stays exceeding a specified duration.
Add-ons
Looking for a Specific Hospital ?
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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