Digit General Insurance: Car, Bike, Health & Travel Online

Digit General Insurance Company Products and Services

The following insurance products are offered by Digit Insurance:

Car Insurance

Digit offers two types of car insurance plans - Third Party and Comprehensive Plans. A comprehensive car insurance policy is a plan which provides complete protection against the following:

Damages to a third-party’s property or vehicle along with personal damages to a third-party like hospitalization, death or disability.
Damage to own vehicle arising out of accident, fire or natural calamities.
Personal damages such as injury to owner driver.
Cover against theft and total loss of vehicle.

On the other hand, a Third Party Liability Car Insurance is a basic type of insurance plan which provides cover against:

Damage to any third party vehicle or property.
Personal damages to someone else.

What’s covered in Digit Car Insurance?

Digit Car insurance provides cover in the following situations-

Damages due to accidents and collisions.
Theft or total loss of vehicle.
Damages due to fire.
Damages due to natural or man-made calamities.
Personal accident and damages arising out of third party losses.

What’s not covered?

Following are the exclusions of Digit car insurance-

Damages which are not a direct result of the accident.
Damages due to contributory negligence.
Driving without a valid license.
Driving drunk and without a valid license.

Add-on Covers with Digit Car Insurance

The following rider options can be purchased with Digit Car Insurance:

Zero Depreciation Add-on cover.
Return to Invoice Add-on cover.
Engine and Gear-Box Protection Add-on Cover.
Breakdown Assistance Cover.
Tyre Protect Cover.

Bike Insurance

Digit offers two types of bike insurance plans - Third Party and Standard Package. The third party bike insurance covers third-party losses and Personal Accident for the owner driver, damage to someone else's property or vehicle, and injury or death of third party. It is a basic bike insurance plan which is ideal for people who do not use their bike on a regular basis, but still seek a minimum level of protection. Also, as per the India Motor Vehicles Act, 1988, it is mandatory to have a third party bike insurance.

The standard package provides cover against third-party losses, damages caused by accidents, fire, theft and personal accident to the owner driver.

Add-on Covers with Digit Bike Insurance

The following rider options can be purchased with Digit Bike Insurance:

Parts Depreciation Cover (Zero Dep/ Bumper to Bumper).
Consumable Cover.
Breakdown Assistance (RSA).
Return to Invoice Cover.
Engine and Gear-Box Protection Cover.

To help you better, Digit also provides the facility of a premium calculator. You can easily calculate your two wheeler insurance premium based on your vehicle make/model and your registration year.

What’s not covered in Digit’s Bike Insurance?

Following are the exclusions of Digit bike insurance-

Drunk driving or driving without a valid license.
Damages which are not a direct result of the accident.
Damages due to contributory negligence.

Travel Insurance

Digit offers two types of International Travel Insurance Plans - Basic and Comfort Plan. International travel insurance is suitable for anyone going for a trip abroad.

The different types of cover offered by each plan are:

Medical Cover	Basic Plan	Comfort Plan
Emergency Accidental treatment/Medical Treatment & Evacuation	Yes	Yes
Personal Accidental Cover	Yes	Yes
Daily Cash Allowance	No	Yes
Accidental Death and Disability	Yes	Yes
Emergency Dental Treatment	No	Yes
In case of trip cancellation, Digit will cover the pre-booked, non-refundable expenses of your trip.	No	Yes
Common Carrier Delay	No	Yes
Delay of Checked-in Baggage	Yes	Yes
Total loss of Checked-in Baggage	Yes	Yes
Digit will cover for extra accommodation and travel needed to reach the next destination in case you missed a pre-booked flight.	No	Yes
Loss of passport	Yes	Yes
Personal Liability and Bail Bond, Trip Abandonment, Emergency Trip Extension and Emergency Cash.	No	Yes

Bicycle Insurance

This is a policy designed exclusively for bicycle riders. This policy comes with a free-look period of 15 days and the coverage is limited within India only.

Benefits of Bicycle Insurance offered by Digit

Benefits	What is Covered?	What can be Claimed?
Personal Accident	Damages arising out of fatal accident, death or disability.	Upto Sum Insured.
Emergency Accidental Treatment and Evacuation	Refunds your hospital bills.	Upto Sum Insured for unexpected hospitalization, outdoor patient treatment, medical evacuation or repatriation of mortal remains back to place of origin.
Theft	In case of theft: Digit will pay Sum Insured minus applicable depreciation* OR replace your cycle with another one of a similar make-model/type and age that’s available in the market. In case of partial loss: Digit will pay cost of repair with a 5% deductible on the claim.
Accidental Damage	Crash Replacement Policy applicable for Frame and fork in Rigid Bikes and Frame in Suspension Bikes only.

Depreciation is 20% for 1 year old Cycle and 35% for 2 years old cycle.

What is not covered?

Following are the exclusions of Digit bicycle insurance:

Death or disability occurring after 365 days from the accident.
Temporary disablement, medical or surgical treatment.
Dental treatment or treatment which is not an emergency.
Pre-existing injury, treatment of any sickness.
Liquid damage, accidental loss, mechanical & electrical breakdown.

Health Insurance

Digit offers a comprehensive health insurance plan which provides protection and cover against a wide range of accidental related injuries and hospitalization requirements.

What is covered in health insurance?

The following are covered in the health plan:

Accidental Hospitalization - Ambulance, Day care procedures, Pre-hospitalization and Post-hospitalization expenses, ICU, Medication, OT, Physician Fees, Diagnostics.
Accidental & Illness Hospitalization - Covers the Hospitalization and Treatment expenses.
Maternity Benefit - Covers hospitalization expenses for a mother-to-be.
Out-patient (OPD) Benefit - Expenses for Doctor’s Consultation fees, Health Check-ups, Pharmacy Bills, Dental Treatment, Diagnostic Tests are covered.
Home (domiciliary) Hospitalization.
Critical Illness Cover (Add-on benefit) - Against cancer.
Daily Hospital Cash Cover.
AYUSH Benefit.

What’s not covered?

Following are the exclusions of Digit health insurance:

Pre-natal and post-natal medical expenses.
Pre-existing diseases are covered post a waiting period.
Illness which does not match the doctor’s prescription.

Note: Exclusions vary for different companies and health plans. The ones mentioned above are common exclusions.

Home Insurance

The home insurance plan offered by Digit is the Holiday Home Protection Plan which provides cover against burglary, fire and natural disasters. The Holiday Home Protection Plan is ideal for individuals who travel frequently and stay away from their home on a regular basis. Under this plan, you have an option select short-term burglary-cover with a lesser premium (₹2 lakhs sum insured starts at ₹199).

What’s covered?

The following is covered in this policy:

Burglary - Covers for stolen and expensive stuff such as TV, Gadgets, Furniture, etc.
Loss/Damage of Jewellery - Covers 20% of the total sum insured in case the jewellery is damaged due to fire or natural disasters.
Fire - Fire caused by explosion of a gas cylinder.
Natural Disasters.

What’s not covered?

Following are the exclusions of Digit home insurance:

Damage due to terrorism.
Consequential loss or legal liabilities
Damage caused due to livestock, motor vehicles, or other valuables like cash, cheque or credit/debit cards
The claim amount is adjusted after considering standard depreciation.

Mobile Insurance

Mobile insurance has become an important insurance plan across India. The number of people purchasing expensive smartphones has also risen. Digit provides the right kind of mobile insurance plan which fits your needs. You can purchase a mobile insurance plan depending on how long you plan to use your mobile phone - 6 months or 12 months. You can also purchase a mobile insurance plan for an old or new phone. All major brands are covered - Apple iPhones, Android phones including Xiaomi, Google, LG, Motorola, Redmi, Mi, Micromax.

Benefits of Digit’s Mobile Insurance are:

Covers damage to the mobile phone screen
Worldwide coverage
IMEI linked cover
No depreciation
No deductible

What’s not covered?

Following are the exclusions of Digit mobile insurance:

Theft or Burglary
Liquid damage or any other accidental damage
Mechanical & Electrical Breakdown
Damage to any accessories

FAQs on Digit General Insurance

Do I need an invoice during claims for mobile insurance?

No, the invoice is not required to claim for your mobile insurance.

How can I avail doorstep service?

Simply call Digit customer care service at 1800-258-5956 and they will pick-up, repair and deliver your vehicle at your doorstep.

Is there 24x7 breakdown assistance available?

Yes, 24x7 assistance is available for car and bike insurance.

What is hereditary disease? Is it a medical condition?

Hereditary diseases are diseases which have been genetically passed on from one generation to another. They are categorized under pre-existing diseases.

Can I transfer my NCB from my old car insurer?

Yes, you can transfer your NCB from your old insurer.

How many listed network garages does Digit have?

Digit has over 1400+ network garages across India.

Can I select a garage of my choice for car repair?

Yes, you can select the garage of your choice.

What is advance cash facility?

Advance Cash Facility is an add-on feature under which a certain amount of money is given in cash even before the repairs have begun.

Can I migrate my NCB if I want to renew my car insurance with Digit?

Yes, Digit will provide NCB discounts when migrating from another car insurance provider.

What are the contact details of Go Digit Insurance?

You can contact Digit on 1800-258-5956 or email them at hello@godigit.com.

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