Godigit Health Care Plus Option 6 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.
Brochure
Policy Wording
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Our Verdict
GoDigit Health Care Plus Option 6 offers extensive coverage, including maternity, OPD, critical illness, and emergency air ambulance benefits. Ideal for individuals or families seeking comprehensive financial protection with flexible add-ons.
About the Plan
The GoDigit Health Care Plus Option 6 offers comprehensive health coverage, including accidental and illness hospitalization, road ambulance, and dental treatment. It provides benefits like daily cash for shared accommodation, OPD coverage, post-hospitalization lump sum, and a second medical opinion. The policy includes a critical illness benefit and health check-ups from day one. Designed for financial security during medical emergencies, this plan ensures extensive coverage. For exact details, refer to the official policy document or contact Go Digit Insurance.
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
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 Baby Cover - Covers maternity expenses related to delivery, complications of pregnancy, or medically necessary termination, up to the sum insured. This benefit is limited to two living children and includes a waiting period as specified in your policy schedule.
Out-Patient (OPD) Benefit - Reimburses expenses for allopathic outpatient treatments from network medical practitioners, including diagnostics, prescribed drugs, and consultations, up to the opted sum insured.
Home (Domiciliary) Hospitalization - Covers medical expenses for treatments at home that would otherwise require hospitalization, provided certain conditions are met.
Sum Insured Refill Benefit - Refills 100% of the sum insured if it is exhausted due to previous claims, allowing for continued coverage for unrelated illnesses or injuries.
Emergency Air Ambulance - Pays for expenses incurred for air transportation (airplane or helicopter) during emergency life-threatening conditions requiring immediate transfer to the nearest hospital.
Long Hospitalization Cash Benefit - Provides a lump sum amount of hospitalization exceeding a specified number of consecutive days, as chosen in the policy.
Global Treatment Cover - Covers overseas medical treatment if opted and pre-approved by insurer.
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.
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