Godigit Health Care Plus Option 8 Plan
Digit Health Insurance
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Policyholders can choose their desired room rent limit at the time of policy purchase. If the actual room rent during hospitalization exceeds this chosen limit, the insurer's liability will be proportionately reduced.
Advanced Treatments
Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.
Policy Wording
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Our Verdict
GoDigit Health Care Plus Option 8 offers extensive coverage with no room rent limits and a wide range of add-ons, including worldwide emergency and wellness benefits. It's designed for individuals and families seeking premium, comprehensive, and flexible health insurance solutions.
About the Plan
The GoDigit Health Care Plus Option 8 is a comprehensive health insurance plan offering extensive coverage for hospitalization, medical expenses, and advanced treatments. It includes pre- and post-hospitalization benefits, daycare procedures, and emergency ambulance services. The plan provides coverage for critical illnesses, organ donor expenses, and alternative treatments under AYUSH. With flexible sum insured options and no sub-limits on essential treatments, it ensures financial security. Designed for individuals and families, it offers cashless hospitalization across a vast network of healthcare providers.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Room Rent: Policyholders can choose their desired room rent limit at the time of policy purchase. If the actual room rent during hospitalization exceeds this chosen limit, the insurer's liability will be proportionately reduced.
ICU Charges: The plan covers ICU expenses without a specific daily limit, allowing for comprehensive financial protection during critical care.
Advanced Treatments
Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
Infertility Treatment: Coverage is provided up to 10% of the sum insured.
Co-payment
Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.
Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.
Waiting Periods
Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.
Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Exclusions
Pre-existing diseases are covered only after a 36-month waiting period.
Maternity expenses, including delivery and related complications, are excluded unless the optional Maternity Benefit is selected.
Outpatient treatments (OPD) are not covered unless the optional OPD Benefit is included in the policy.
Alternative treatments (AYUSH) are excluded unless the AYUSH Hospitalization cover is opted for.
Cosmetic or plastic surgery is not covered unless medically necessary due to injury or illness.
Self-inflicted injuries, including suicide attempts, are permanently excluded from coverage.
Injuries resulting from war, acts of war, or participation in defense operations are not covered.
Treatment for alcohol or drug abuse, including rehabilitation, is excluded.
Experimental or unproven treatments not recognized by medical authorities are not covered.
Gender identity treatments or procedures are excluded from coverage.
Exclusions
Enhanced Room Rent Cover - Removes room rent limits, allowing you to choose any hospital room without additional out-of-pocket expenses.
OPD Consultation & Diagnostic Cover - Covers outpatient doctor consultations, diagnostic tests, and prescribed medications, even without hospitalization.
Maternity & Newborn Cover - Provides financial protection for maternity expenses, delivery costs, and newborn care, ensuring comprehensive family coverage.
Critical Illness Cover - Offers a lump-sum payout upon diagnosis of critical illnesses like cancer, stroke, or heart attack for added financial security.
Worldwide Emergency Treatment - Covers medical emergencies during international travel, ensuring financial protection for unexpected healthcare needs abroad.
Personal Accident Cover - Provides compensation for accidental death, disability, and injury-related hospitalization expenses for additional security.
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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