Digit Health Care Plus Policy

Digit health care plus policy is a comprehensive health insurance plan offered by Go Digit general insurance company. The policy provides coverage against unexpected medical emergencies and reduces the financial burden due to high medical costs. The policy covers expenses for hospitalisation, pre, and post-hospitalisation, critical illnesses, annual check-ups at the time of policy renewal, etc as per the policy terms.

Go Digit general insurance company is a new-age insurance company backed by Fairfax Financial Holdings ltd, which is a Canada-based financial services group working in insurance, reinsurance, and investment management domains. Go Digit company works with a mission to simplify insurance products for the common man, making them transparent and easy to understand. The company offers simple products with an effective claim settlement process. The company has a network of 5900+ hospitals.

Let us have a look at the key features of the health care plus policy.

• The policy has a minimum entry age of 18 years for adults and 91 days for children. There is no maximum age limit except for critical illness coverage which has a maximum age limit of 65 years.

• The policy can be availed for 1 year, 2 years, and 3 years.

• The policy has a sum insured starting from ₹ 10,000 to an unlimited sum insured. For critical illness, the maximum sum insured is ₹ 3.5 crores.

• If any pre-policy medical check-ups are required, the company bears the cost of these check-ups.

• The company offers a direct business discount of upto 15%, a long-term discount of 7% for a 2-year policy, and a 10% discount for a 3-year policy. In addition, there are discounts of upto 2% if you choose a sub-limit on bariatric surgery or psychiatric illness.

• The company provides many renewal benefits like complementary health check-ups, no co-payment on OPD benefit from a second renewal, and multiple cumulative bonus options for claim-free renewals.

• The company offers multiple waiting period options to choose from, as given below.

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The policy provides 16 base covers and 6 optional covers. You can choose your coverage from the given base covers and optional covers as per your requirement. Details of each are given below.

Base Covers

• Hospitalisation cover includes hospitalisation due to an accident or illness. This cover will provide for room rent, ICU, Professional medical fees, medication, diagnostic procedures and OT charges, day care procedures, pre and post-hospitalisation expenses, road ambulance, necessary dental treatments, second opinion, medically required bariatric surgery, and psychiatric illness as per the policy terms and limits opted.
• Infertility treatment cover includes hospitalisation for infertility treatment as per the doctor’s advice.
• Orgon donor cover includes medical expenses in respect of organ transplantation.
• AYUSH cover includes medical expenses for in-patient treatment taken under Ayurveda, Unani, Siddha, or homoeopathy, in an AYUSH hospital
• Emergency air ambulance includes transportation expenses in an airplane for emergency life-threatening health conditions.
• Long hospitalisation cash benefit is available once during a policy period and is paid as a lump sum amount for a minimum number of consecutive days of hospitalisation.
• Maternity benefit and the newborn baby cover is available for upto two children and any complications as a consequence of maternity or childbirth are also covered upto the sum insured limit.
• OPD benefit includes allopathic out-patient treatment taken from a network medical practitioner upto the sum insured limit and co-payment option chosen by you. The inclusions in the OPD benefit are as per the terms of the policy.
• Domiciliary hospitalisation includes medical expenses for treatment towards an injury or illness taken at home due to the patient’s condition or non-availability of a hospital room for at least 3 days.
• Sum insured refill benefit
• Daily hospital cash cover upto the limit opted by you.
• Critical illness benefit cover includes the expenses for surgical procedures for the specified critical illnesses
• Critical illness hospitalisation cover
• Cancer benefit cover includes medical expenses if you are suffering from cancer for the first time in your life.
• Cancer benefit hospitalisation cover
• The wellness benefits program includes many wellness services from which you can opt for any 12 services such as doctor on call, - wellness coach, lab services, pharmacy services, medical wallet, etc.

Optional Covers

For policies issued on an individual basis, each insured person can choose from any of the available optional covers. In the case of floater policy, the optional covers are applicable to all covered under the floater.

• Payment of non-medical expenses
• Daily cash for accompanying an insured child
• Loss of income cover
• Cumulative bonus protection cover
• Unused sum insured benefit
• Network hospital co-payment

For more details about the policy coverage, terms, and conditions please refer to the policy document.

The Digit health care plus policy offers many benefits and unique features like the option to choose waiting periods. The policy offers comprehensive coverage options to suit everyone’s needs. Digit health insurance policies are completely digital friendly with a digital claim process, where you do not need to provide any original hard copies, you can submit all the details digitally through the link shared by the company. With so many benefits, Go Digit has simplified insurance and designed insurance products keeping in mind the needs of their customers.