How does the waiting period affect my coverage?

A 30-day waiting period applies, except for accidents. Pre-existing diseases (except diabetes) are covered after 48 months.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured each year, rewarding you with additional coverage at no extra cost.

Does the GoDigit Health Care Plus policy-diamond plan cover treatment abroad?

Standard coverage applies within India, but optional add-ons may provide limited emergency treatment abroad. Check with your insurer for details.

. How can policyholders customize their cost-sharing parameters under this comprehensive plan structure

The plan provides enhanced financial flexibility by allowing applicants to select a standard cost-sharing model or fully opt for a customized zero co-payment configuration, ensuring that the insurance company absorbs 100% of all admissible claim amounts.

Under what parameters can applicants adjust the policy waiting period timelines at the time of purchase?

The policy incorporates highly customizable initialization options that empower applicants to choose their preferred waiting intervals, allowing you to compress the initial illness waiting window down to an accelerated track of 15 days, 7 days, 2 days, or zero days.

What structural customization choices are available to reduce waiting periods for pre-existing medical conditions?

The plan provides an adjustable underwriting framework that allows applicants to dynamically select their pre-existing disease waiting structure, enabling you to reduce the standard waiting window down to a preferred duration of 3 years, 2 years, 1 year, or zero days.

OneAssure

Health Insurance

Digit

Health Care Plus Policy Plan

Digit Health Care Plus Policy Diamond

Experience India's most trusted health insurance with Digit Health Insurance. Get instant cashless treatment at 9400 network hospitals with sum insured up to ₹50 lakhs.

99

Claim Settlement Ratio

9400

Network Hospitals

7.4

Customer Rating

Policy Brochure

Get a Quote

99

Claim Settlement Ratio

9400

Network Hospitals

7.4

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Digit Health Insurance

Final Verdict

The Digit Health Care Plus Policy-Diamond offers comprehensive coverage, including critical illness and maternity. With flexible add-ons and a wide hospital network, it’s ideal for families seeking extensive, customizable health insurance.

About

About Digit Health Insurance

The Digit Health Care Plus Policy-Diamond is a comprehensive health insurance plan designed to provide extensive coverage for various medical expenses. This plan includes 16 base covers and 6 optional covers, addressing diverse healthcare needs. It offers sum insured options starting from ₹2 lakh, enabling policyholders to select coverage that aligns with their requirements. The policy facilitates cashless treatments across a vast network of over 16,400 hospitals nationwide, ensuring accessibility to quality healthcare services. Additionally, the plan provides coverage for inpatient hospitalization, day care procedures, pre and post-hospitalization expenses, and road ambulance costs. Policyholders can also benefit from optional covers...

The Digit Health Care Plus Policy-Diamond is a comprehensive health insurance plan designed to provide extensive coverage for various medical expenses. This plan includes 16 base covers and 6 optional covers, addressing diverse healthcare needs. It offers sum insured options starting from ₹2 lakh, enabling policyholders to select coverage that aligns with their requirements. The policy facilitates cashless treatments across a vast network of over 16,400 hospitals nationwide, ensuring accessibility to quality healthcare services. Additionally,...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

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

Mumbai, Maharashtra

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

Mumbai, Maharashtra

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

Bengaluru, Karnataka

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

Jaipur, Rajasthan

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

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Digit Insurance Company Limited

AYUSH Treatment

The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Room Rent

Room Rent: Policyholders can select a per-day room rent limit, as specified in their policy schedule.
ICU Charges: The plan provides coverage for ICU charges, subject to the terms outlined in the policy

Advanced Treatments

Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
Infertility Treatment: Coverage is provided up to 10% of the sum insured.

Co-payment

Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.
Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.

Cashless Healthcare Providers

Access to over 11,300 cashless network hospitals across India.

Waiting Period

Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.
Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Room Rent

Room Rent: Policyholders can select a per-day room rent limit, as specified in their policy schedule.
ICU Charges: The plan provides coverage for ICU charges, subject to the terms outlined in the policy

Advanced Treatments

Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
Infertility Treatment: Coverage is provided up to 10% of the sum insured.

Exclusions

Pre-existing diseases (except diabetes) are covered only after the specified waiting period.
No coverage for maternity expenses, childbirth, or fertility treatments.
Cosmetic or plastic surgery unless medically necessary is excluded.
Injuries or illnesses due to drug abuse, alcohol, or self-inflicted harm are not covered.
Treatment for obesity or weight control procedures is excluded.

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About the company

GoDigit General Insurance, also called Digit Insurance, is a digital-first insurance company in India. It started in 2016 with support from Fairfax Group. The company’s main aim is to make insurance simple and easy for everyone. You can buy policies online without paperwork. Claims are also managed online, which saves your time and effort. The company offers health, motor, travel, and property insurance. Its health plans cover hospital bills, maternity, critical illness, and more. Digit has a large network of hospitals and garages for cashless services. You can also customise your plan to suit your needs. The use of technology...

GoDigit General Insurance, also called Digit Insurance, is a digital-first insurance company in India. It started in 2016 with support from Fairfax Group. The company’s main aim is to make insurance simple and easy for everyone. You can buy policies online without paperwork. Claims are also managed online, which saves your time and effort. The company offers health, motor, travel, and property insurance. Its health plans cover hospital bills, maternity, critical illness, and more. Digit...