What does Digit Health Insurance Coverage include?

Digit Health Insurance Coverage generally includes hospitalization expenses, room rent, ICU charges, doctor fees, diagnostic tests, ambulance services, daycare treatments, and pre- & post-hospitalization costs.

Does Digit Health Insurance cover pre-existing diseases?

Yes, pre-existing diseases are covered after the waiting period mentioned in the policy is completed. The duration varies depending on the plan you choose.

What are the main Digit Health Insurance benefits for families?

Key Digit Health Insurance Benefits for families include cashless hospitalization, wide network hospitals, maternity cover (in select plans), newborn cover, and high sum insured options for all family members.

Does Digit Health Insurance offer cashless treatment?

Yes, Digit offers cashless treatment at thousands of network hospitals across India, so you don’t have to pay upfront during medical emergencies.

Are daycare procedures covered under Digit Health Insurance Coverage?

Yes, Digit covers daycare procedures that require less than 24 hours of hospitalization, such as cataract surgery, dialysis, and minor surgeries.

Does Digit Health Insurance cover COVID-19 treatment?

Yes, COVID-19 related hospitalization and treatment are covered as per IRDAI guidelines under applicable Digit health insurance plans.

What is the waiting period for Digit Health Insurance?

The initial waiting period is typically 30 days for general illnesses, 1–2 years for specific treatments, and 2–4 years for pre-existing diseases, depending on the chosen plan.

Are maternity and newborn expenses covered?

Some Digit plans offer maternity and newborn baby cover after a specific waiting period. Coverage varies by plan, so it's best to check the policy details.

What are the Digit Health Insurance benefits for senior citizens?

Senior citizens can benefit from higher sum insured options, cashless treatments, modern treatment coverage, and lesser paperwork during claim filing.

Does Digit cover modern and advanced treatments?

Yes, Digit Health Insurance Coverage includes modern treatments like robotic surgeries, stem-cell therapy (as allowed by IRDAI), and minimally invasive procedures.

Is AYUSH treatment covered under Digit Health Insurance?

Yes, AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatments are covered in many Digit plans, as long as they are taken in a certified government or accredited hospital.

Are ambulance charges covered under Digit Health Insurance?

Yes, Digit covers ambulance costs for emergency transportation to the hospital, up to the limit specified in the policy.

What is not included in Digit Health Insurance Coverage?

Common exclusions include cosmetic surgeries, non-medical equipment, self-inflicted injuries, dental procedures (unless accidental), and treatments taken outside India unless your plan includes it.

Does Digit Health Insurance offer a no-claim bonus (NCB)?

Yes, Digit offers a cumulative bonus where your sum insured increases every claim-free year, enhancing long-term Digit Health Insurance Benefits.

How easy is it to file a claim with Digit Health Insurance?

Digit offers a simple, smartphone-friendly claim process. You can upload documents digitally, and most cashless claims are processed quickly through their network hospitals.

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Claim Settlement Ratio

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Digit Health Insurance Coverage & Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: Digit Health Insurance Coverage

Pros

Restoration benefit replenishes coverage if the sum insured is used during a claim.

Flexible sum insured options with both individual and family-floater plans.

Annual health check-ups and wellness rewards provide strong preventive benefits.

Offers broad coverage including hospitalisation, organ donor expenses, day-care procedures, and advanced treatments.

Cons

Certain treatments still carry waiting periods.

Consumables and non-medical items may not be fully covered.

Some variants may include co-payments or deductibles.

Pre-existing disease waiting periods can be long.

Pros

Restoration benefit replenishes coverage if the sum insured is used during a claim.

Flexible sum insured options with both individual and family-floater plans.

Annual health check-ups and wellness rewards provide strong preventive benefits.

Offers broad coverage including hospitalisation, organ donor expenses, day-care procedures, and advanced treatments.

Cons

Certain treatments still carry waiting periods.

Consumables and non-medical items may not be fully covered.

Some variants may include co-payments or deductibles.

Pre-existing disease waiting periods can be long.

Final Verdict

Digit Health Insurance offers comprehensive protection with generous coverage features, making it a solid choice for individuals and families seeking reliable healthcare security. Benefits like coverage restoration, wellness rewards, and extensive hospitalisation support add significant value. However, long waiting periods for pre-existing and specified diseases, along with co-pays and exclusions...

Digit Health Insurance offers comprehensive protection with generous coverage features, making it a solid choice for individuals and families seeking reliable healthcare security. Benefits like coverage restoration, wellness rewards, and extensive hospitalisation support add significant...

Key Coverages & Benefits Offered Under Digit Health Insurance

Get a clear picture of what Digit Health Insurance covers and what it doesn’t so you can choose confidently.

Inclusions

Additional benefits: ambulance charges, annual health check-ups, and claim-free/cumulative bonuses (depending on plan variant).

Modern/advanced medical treatments, including robotic surgery and other advanced procedures (if covered).

Organ donor medical expenses during an organ transplant (if opted).

AYUSH in-patient care under Ayurveda, Unani, Siddha, and Homeopathy (if opted).

Domiciliary treatment when treatment at home is medically necessary.

Day-care procedures that do not require 24-hour hospitalisation.

Pre- and post-hospitalisation expenses for tests, consultations, and treatment for a defined number of days.

In-patient hospitalisation: room rent, ICU, nursing, doctor fees, medicines, and procedures.

Exclusions

Admissions for rest, rehabilitation, or observation without active treatment.

Treatments at unrecognized hospitals or by non-qualified practitioners.

Treatments for STDs, substance abuse, or related complications.

Cosmetic or aesthetic surgery unless medically necessary due to illness or accident.

Infertility, IVF, and reproductive treatments are not covered.

Pre-existing diseases are covered only after the applicable waiting period.

Waiting periods for specified illnesses such as cataract, hernia, and similar conditions.

Initial 30-day waiting period for most illnesses (accidents covered from day one).

Inclusions

Additional benefits: ambulance charges, annual health check-ups, and claim-free/cumulative bonuses (depending on plan variant).

Modern/advanced medical treatments, including robotic surgery and other advanced procedures (if covered).

Organ donor medical expenses during an organ transplant (if opted).

AYUSH in-patient care under Ayurveda, Unani, Siddha, and Homeopathy (if opted).

Domiciliary treatment when treatment at home is medically necessary.

Day-care procedures that do not require 24-hour hospitalisation.

Pre- and post-hospitalisation expenses for tests, consultations, and treatment for a defined number of days.

Exclusions

Admissions for rest, rehabilitation, or observation without active treatment.

Treatments at unrecognized hospitals or by non-qualified practitioners.

Treatments for STDs, substance abuse, or related complications.

Cosmetic or aesthetic surgery unless medically necessary due to illness or accident.

Infertility, IVF, and reproductive treatments are not covered.

Pre-existing diseases are covered only after the applicable waiting period.

Waiting periods for specified illnesses such as cataract, hernia, and similar conditions.

Claims Process

How to file Digit claims?

Digit Health Insurance Coverage & Benefits

How Coverage and Benefits Vary in Digit Health Insurance

Different Plan Variants Offer Different Sum Insured & Limits

Digit Health Insurance has multiple variants like Support, Secure, Shield, and Premium. Higher plans provide larger sum insured, fewer restrictions like no room rent caps, and stronger financial protection for major medical expenses.

Coverage for Treatments Varies by Plan

All plans cover hospitalisation, day-care procedures, and pre- & post-hospitalisation expenses, but sub-limits differ. Premium plans generally offer higher coverage for advanced treatments, AYUSH procedures, and maternity benefits.

Value-Added Benefits Differ Across Plans

Higher variants include sum insured restoration, cumulative bonus for claim-free years, free annual health check-ups, and wellness rewards, while lower-tier plans have fewer of these additional benefits.

Different Plan Variants Offer Different Sum Insured & Limits

Digit Health Insurance has multiple variants like Support, Secure, Shield, and Premium. Higher plans provide larger sum insured, fewer restrictions like no room rent caps, and stronger financial protection for major medical expenses.

Coverage for Treatments Varies by Plan

All plans cover hospitalisation, day-care procedures, and pre- & post-hospitalisation expenses, but sub-limits differ. Premium plans generally offer higher coverage for advanced treatments, AYUSH procedures, and maternity benefits.

Value-Added Benefits Differ Across Plans

Higher variants include sum insured restoration, cumulative bonus for claim-free years, free annual health check-ups, and wellness rewards, while lower-tier plans have fewer of these additional benefits.

How to Choose

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in Digit Health Insurance?

A waiting period is the minimum time you must complete after purchasing your Digit Health Insurance policy before certain illnesses, treatments, or pre-existing conditions become eligible for claims. Any claim made for conditions still under the waiting period will not be approved.
Below is the correctly updated breakdown of waiting periods under Digit Health Insurance:

Initial Waiting Period

For all non-accidental illnesses, there is a standard 30-day waiting period from the start date of the policy. Accidental hospitalisation is covered from day one, and the initial waiting period does not apply in such cases.

Pre-Existing Disease (PED) Waiting Period

Pre-existing diseases declared at the time of purchasing the policy are covered only after completing the PED waiting period.
Digit typically applies a 36-month (3-year) waiting period for pre-existing conditions, unless otherwise specified in your individual policy schedule.Key points:

The waiting period may be reduced if you had continuous prior health insurance (portability rules apply).
If you increase your sum insured later, the waiting period may apply again for the enhanced amount.

Specified Diseases / Procedures Waiting Period

Digit applies a separate waiting period for certain listed diseases and surgeries, usually between 12 to 36 months depending on the exact condition and plan variant.
These may include:

Cataract
Hernia
Gallbladder or kidney stones
Joint-related treatments (e.g., arthritis, spondylosis)
Gastric/ulcer conditions
ENT procedures
Benign tumors and similar conditions

If a specified disease is also a pre-existing disease, the longer waiting period applies.

Maternity & Newborn Cover

Digit Health Insurance currently does not offer maternity or newborn benefits in its active retail health plans. Since the benefit is not available, there is no waiting period defined for maternity coverage.

Accidental Hospitalisation

Any hospitalisation or treatment caused by an accident is covered immediately from the policy start date. Waiting periods (initial, PED, or specified diseases) do not apply for accident-related claims.

Initial Waiting Period

For all non-accidental illnesses, there is a standard 30-day waiting period from the start date of the policy. Accidental hospitalisation is covered from day one, and the initial waiting period does not apply in such cases.

Pre-Existing Disease (PED) Waiting Period

Pre-existing diseases declared at the time of purchasing the policy are covered only after completing the PED waiting period.
Digit typically applies a 36-month (3-year) waiting period for pre-existing conditions, unless otherwise specified in your individual policy schedule.Key points:

The waiting period may be reduced if you had continuous prior health insurance (portability rules apply).
If you increase your sum insured later, the waiting period may apply again for the enhanced amount.

Specified Diseases / Procedures Waiting Period

Digit applies a separate waiting period for certain listed diseases and surgeries, usually between 12 to 36 months depending on the exact condition and plan variant.
These may include:

Cataract
Hernia
Gallbladder or kidney stones
Joint-related treatments (e.g., arthritis, spondylosis)
Gastric/ulcer conditions
ENT procedures
Benign tumors and similar conditions

If a specified disease is also a pre-existing disease, the longer waiting period applies.

Maternity & Newborn Cover

Digit Health Insurance currently does not offer maternity or newborn benefits in its active retail health plans. Since the benefit is not available, there is no waiting period defined for maternity coverage.

Accidental Hospitalisation

Any hospitalisation or treatment caused by an accident is covered immediately from the policy start date. Waiting periods (initial, PED, or specified diseases) do not apply for accident-related claims.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Digit Health Insurance

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Illness & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Stones

Cardiac & Heart-Related Diseases

Diabetes & Hypertension

Diseases / Conditions Not Covered

Non-Registered Hospitals or Practitioners

Sleep-Related Disorders (Variant-Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Cosmetic & Elective Surgeries

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Illness & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Stones

Cardiac & Heart-Related Diseases

Diseases / Conditions Not Covered

Non-Registered Hospitals or Practitioners

Sleep-Related Disorders (Variant-Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Pre-existing Diseases

Pre-Existing Diseases Covered Under Digit Health Insurance

Digit Health Insurance covers many long-term medical conditions, but only after you complete the mandatory Pre-Existing Disease (PED) waiting period mentioned in your policy. Once the waiting period is over, the following conditions become eligible for coverage:

Chronic Lifestyle Conditions

Pre-existing lifestyle-related issues such as diabetes, hypertension, and their related complications are covered after the waiting period. This includes problems like diabetic neuropathy or blood pressure–related heart or kidney issues.

Heart & Cardiac Disorders

Conditions like coronary artery disease, past angioplasty, bypass surgery, arrhythmia, or other long-term cardiac complications are included once the PED waiting period is completed.

Respiratory Diseases

Long-term breathing conditions such as asthma, COPD, chronic bronchitis, and other respiratory disorders become eligible for coverage after the mandatory waiting duration.

Thyroid & Hormonal Disorders

Issues like hypothyroidism, hyperthyroidism, and other hormone-related disorders under the endocrine system are covered once the waiting period ends.

Joint & Musculoskeletal Issues

Chronic joint problems such as arthritis, osteoarthritis, spondylosis, and other musculoskeletal conditions are covered after you complete the PED waiting period.

Digestive & Gastrointestinal Conditions

Long-term digestive issues like GERD, chronic acidity, ulcers, IBS, and other persistent gastrointestinal conditions are covered once the waiting period is over.

Kidney & Liver Disorders

Conditions including chronic kidney disease, recurring kidney stones, hepatitis, fatty liver, and other liver-related complications are covered after serving the PED waiting period.

Mental Health Conditions

Pre-existing psychiatric conditions that require in-patient treatment, such as severe anxiety disorders, depression, or other mental health issues, are covered after the waiting period mentioned in your policy.

Chronic Lifestyle Conditions

Pre-existing lifestyle-related issues such as diabetes, hypertension, and their related complications are covered after the waiting period. This includes problems like diabetic neuropathy or blood pressure–related heart or kidney issues.

Heart & Cardiac Disorders

Conditions like coronary artery disease, past angioplasty, bypass surgery, arrhythmia, or other long-term cardiac complications are included once the PED waiting period is completed.

Respiratory Diseases

Long-term breathing conditions such as asthma, COPD, chronic bronchitis, and other respiratory disorders become eligible for coverage after the mandatory waiting duration.

Thyroid & Hormonal Disorders

Issues like hypothyroidism, hyperthyroidism, and other hormone-related disorders under the endocrine system are covered once the waiting period ends.

Joint & Musculoskeletal Issues

Chronic joint problems such as arthritis, osteoarthritis, spondylosis, and other musculoskeletal conditions are covered after you complete the PED waiting period.

Digestive & Gastrointestinal Conditions

Long-term digestive issues like GERD, chronic acidity, ulcers, IBS, and other persistent gastrointestinal conditions are covered once the waiting period is over.

Kidney & Liver Disorders

Conditions including chronic kidney disease, recurring kidney stones, hepatitis, fatty liver, and other liver-related complications are covered after serving the PED waiting period.

Mental Health Conditions

Pre-existing psychiatric conditions that require in-patient treatment, such as severe anxiety disorders, depression, or other mental health issues, are covered after the waiting period mentioned in your policy.

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