Who can buy Digit Health Insurance?

Adults can buy the policy for themselves and their family. Children can be included from 91 days of age.

Can my whole family be covered under Digit Health Insurance?

Yes. You can include yourself, spouse, children, and sometimes parents in one single plan. There are many Digit Medical Insurance plans you can choose from.

Does Digit Health Insurance cover pre-existing illnesses?

Yes, depending on the plan you purchased, you can check if pre-existing illness is covered in your Digit Mediclaim policy. Many plans offer this feature or a customisation option to add this.

Is maternity included in Digit Health Insurance?

Yes. Many Digit Insurance plans include pregnancy costs, delivery, and newborn care.

Does Digit Health Insurance cover alternative treatments?

Yes. Treatments like Ayurveda, Yoga, Homeopathy, and Unani (AYUSH) are covered in certain plans.

Are day-care procedures covered under Digit Health Insurance?

Yes. Small treatments like dialysis, cataract surgery, or chemotherapy that don’t need an overnight stay are included.

Does Digit Health Insurance cover treatment abroad?

Some plans include worldwide medical coverage. You can get treated outside India in case of emergencies.

Do I need to pay upfront at hospitals under Digit Health Insurance?

No. At over 9,400+ network hospitals, you get cashless treatment. The bills are paid directly by the insurer.

Are critical illnesses covered under Digit Health Insurance?

Yes. Diseases like cancer, heart attack, stroke, and organ failure are included in selected plans. There are many more diseases included in the list.

Does Digit Health Insurance cover accidental injuries?

Yes. Accidental death, permanent or partial disability, and accident-related hospital bills are covered.

Are ambulance charges included in Digit Health Insurance?

Yes. Road ambulance costs to take you to a hospital are covered.

What is the cumulative bonus in Digit Health Insurance?

Every year you don’t make a claim ( don’t use your insurance), your coverage increases automatically as a reward

Can I change my Digit Health Insurance plan at renewal?

Yes. At renewal, you can upgrade coverage, add or remove family members, or keep the same plan. OneAssure assists you with that.

Is Digit Health Insurance worth it?

Yes, with many different options, wide coverage, 9400+ network hospitals, 99% claim settlement ratio, this is considered a good option.

Can senior citizens buy Digit Health Insurance?

Yes. Plans like the Super Top-Up for Senior Citizens are designed for people above 60 years.

How long is the waiting period for pre-existing conditions in Digit Health Insurance?

Usually 36 months. After this, existing health conditions like diabetes will be covered. The time may vary depending on the policy you have.

Are routine doctor visits covered under Digit Health Insurance?

Yes. Some plans include OPD visits, tests, and doctor consultations.

How do I renew my Digit Health Insurance policy?

You can renew online through OneAssure. We send reminders and guide you so your cover never lapses. Connect with us, discuss the policy, check if you need any upgrades or changes, make a payment, and you will get your policy.

Is Digit Health Insurance a reliable company?

Go Digit is a trusted insurance provider in India, backed by strong customer support and a wide hospital network. Many people choose it for its simple and transparent policies.

Is the claim settlement ratio of Digit Health Insurance good?

Yes. Digit has a healthy claim settlement ratio (99%). This shows that most claims are processed smoothly, giving you confidence that your medical expenses will be taken care of.

OneAssure

Health Insurance

Digit

Digit Health Insurance

Get a Quote

99%

Claim Settlement Ratio

9,400+

Network Hospitals

6.6

Overall Rating

Digit Health Insurance

Our Verdict About Digit Health Insurance

Go Digit Health Insurance offers a modern, hassle-free insurance experience with strong digital support and high claim success.

What We Like

Wide coverage and flexible sum insured options up to ₹1 crore.

100% digital platform for easy policy purchase and claims.

Excellent claim settlement ratio (around 99%) and fast claim processing.

Areas of Improvement

Fewer physical touchpoints for offline assistance in smaller cities.

Shorter track record compared to older insurers.

Some users report service delays or unclear communication.

What We Like

Wide coverage and flexible sum insured options up to ₹1 crore.

100% digital platform for easy policy purchase and claims.

Excellent claim settlement ratio (around 99%) and fast claim processing.

Areas of Improvement

Fewer physical touchpoints for offline assistance in smaller cities.

Shorter track record compared to older insurers.

Some users report service delays or unclear communication.

Final Verdict

Digit Health Insurance makes things simple for you. You can buy, renew, and claim online without hassle. You get access to many hospitals for cashless treatment under the Digit Mediclaim Policy. With a 99% claim settlement ratio, rest assured you’ll get a quick settlement within a minimum time. Overall, it’s...

Digit Health Insurance makes things simple for you. You can buy, renew, and claim online without hassle. You get access to many hospitals for cashless treatment under the Digit Mediclaim Policy. With a 99% claim...

Digit Health Insurance

Top Digit Plans

Health Care Plus Infinity Wallet

Critical illness cover for 20 serious diseases, including cancer
Dental, OPD & second opinion benefits for regular health support
Flexible plan — choose only the cover sections you need

Health Care Plus Infinity Wallet

Critical illness cover for 20 serious diseases, including cancer
Dental, OPD & second opinion benefits for regular health support
Flexible plan — choose only the cover sections you need

Digit Health Insurance

About Digit

Digit Health Insurance

Digit Rating

Overall Rating

6.6

out of 10

Solvency

2.9/4

ICR

1.7/3

Growth

2/3

Performance Index

Gross Direct Premium

Digit

1605.61Cr

Industry Average

1905.12Cr

ICR%

Digit

93.87%

Industry Average

83.49%

Digit

Industry Average

Overall Rating

6.6

out of 10

Solvency

2.9/4

ICR

1.7/3

Growth

2/3

Performance Index

Gross Direct Premium

Digit

1605.61Cr

Industry Average

1905.12Cr

Digit

Industry Average

Performance Index

ICR%

Digit

93.87%

Industry Average

83.49%

Digit

Industry Average

Digit Health Insurance

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

Digit Health Insurance

Pros and Cons

Pros

Fully online process for easy purchase and claim settlement.
No limit on hospital room rent — choose any room you prefer.
Sum insured refills automatically if your coverage is used up.
Access to 9,400+ network hospitals for cashless treatment.
Wellness rewards and health programs via the Digit app.

Cons

Waiting period applies for pre-existing and specific illnesses.
Benefits and limits differ across plan variants.
Some plans have deductibles before coverage starts.
Luxury or non-network room charges may not be fully covered.

Pros

Fully online process for easy purchase and claim settlement.
No limit on hospital room rent — choose any room you prefer.
Sum insured refills automatically if your coverage is used up.
Access to 9,400+ network hospitals for cashless treatment.
Wellness rewards and health programs via the Digit app.

Cons

Waiting period applies for pre-existing and specific illnesses.
Benefits and limits differ across plan variants.
Some plans have deductibles before coverage starts.
Luxury or non-network room charges may not be fully covered.

Digit Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

Digit Types

Family Health Insurance

This plan helps you cover the medical expenses of your entire family under one policy. It pays for hospitalisation, surgeries, doctor fees, medicines, and other healthcare costs. It makes it easy and cost-effective to protect your family’s health.

Senior Citizen Health Insurance

If you are 60 or older, this plan helps cover your health issues and age-related illnesses. It pays for hospitalisation, surgeries, and treatments for chronic conditions, giving you peace of mind about medical expenses.

Maternity Insurance

This plan helps you manage expenses during pregnancy, childbirth, and newborn care. It covers delivery charges, hospital stays, and pre- and post-natal checkups, so you and your baby get proper care without financial stress.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, stroke, or heart attack, this plan gives you a lump sum payout. You can use it for treatment, recovery, or any other financial need, letting you focus on your health.

Group Health Insurance

This policy is purchased by companies to cover employees and sometimes their families. It reduces individual premiums and provides comprehensive healthcare benefits, including hospitalisation, treatments, and wellness programs. It is a convenient way for employers to support staff health.

Family Health Insurance

This plan helps you cover the medical expenses of your entire family under one policy. It pays for hospitalisation, surgeries, doctor fees, medicines, and other healthcare costs. It makes it easy and cost-effective to protect your family’s health.

Senior Citizen Health Insurance

If you are 60 or older, this plan helps cover your health issues and age-related illnesses. It pays for hospitalisation, surgeries, and treatments for chronic conditions, giving you peace of mind about medical expenses.

Maternity Insurance

This plan helps you manage expenses during pregnancy, childbirth, and newborn care. It covers delivery charges, hospital stays, and pre- and post-natal checkups, so you and your baby get proper care without financial stress.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, stroke, or heart attack, this plan gives you a lump sum payout. You can use it for treatment, recovery, or any other financial need, letting you focus on your health.

Group Health Insurance

This policy is purchased by companies to cover employees and sometimes their families. It reduces individual premiums and provides comprehensive healthcare benefits, including hospitalisation, treatments, and wellness programs. It is a convenient way for employers to support staff health.

Documents Required

ID Proof

Aadhar Card, PAN Card, Passport)

Address Proof

Utility Bill, Voter ID

Age Proof

Birth Certificate, Driving License

Recent Passport

Size Photographs

Income Proof

for high cover plans, if required

ID Proof

Aadhar Card, PAN Card, Passport)

Address Proof

Utility Bill, Voter ID

Age Proof

Birth Certificate, Driving License

Recent Passport

Size Photographs

Income Proof

for high cover plans, if required

Digit Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Digit Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Digit Network Hospitals

9,400

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

9,400

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Digit Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Digit Health Insurance

How to Buy Digit?

Follow these simple steps to purchase your Digit health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Renew your policy before the due date to ensure uninterrupted coverage.
No-claim bonuses and benefits may be carried forward upon timely renewal.
Premiums may change based on age, medical conditions, or policy updates.
Some plans offer lifetime renewability, so check your policy terms.
Review and update coverage if needed to match your current health needs.

Digit Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.