Digit Health Insurance Coverage & Benefits

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.

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.

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.

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 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:

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

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:

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

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

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.

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.

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.

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.

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

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

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

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

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

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.