How does the waiting period affect my coverage?

A 30-day waiting period applies, excluding accidents. Pre-existing conditions are covered after 48 months; some illnesses require 24 months.

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

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

Does the Digit Health Care Plus Policy – Gold cover treatment abroad?

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

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Health Insurance

Digit

Health Care Plus Policy Gold Plan

Digit Health Care Plus Policy Gold Plan

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

Brochure

Get a Quote

99%

Claim Settlement Ratio

9400+

Network Hospitals

7.4

Customer Rating

Brochure

Our Verdict

Expert Review: Digit Health Insurance

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Final Verdict

The Digit Health Care Plus Policy-Gold offers extensive coverage with no room rent caps, global emergency support, and maternity benefits. Ideal for families seeking comprehensive health protection and flexibility in healthcare options.

About

About Digit Health Insurance

The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement ratio of 97%, ensuring accessible and reliable healthcare services.

The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement...

Inclusions and Exclusions

Inclusions and Exclusions of Digit Insurance Company Limited

Co-payment

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.

Room Rent

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.

Advanced Treatments

Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.

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.

Cashless Healthcare Providers

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

Daycare Treatment

Covered by the policy.

AYUSH Treatment

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

Co-payment

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.

Room Rent

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.

Advanced Treatments

Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.

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Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for self-inflicted injuries or suicide attempts is excluded.
Expenses due to alcohol, drug, or other intoxicant abuse are not covered.
Injuries arising from participation in hazardous or adventure sports are excluded.
Cosmetic or plastic surgery, unless medically necessary due to an injury, is not covered.
Surgical treatments for obesity or weight control are excluded unless meeting specific medical criteria.
Treatments related to gender transition or reassignment are not covered.
Expenses for unproven, experimental, or alternative treatments are 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 makes the process smooth and transparent. The company is trusted for quick claim settlement and customer-friendly service. With affordable premiums and easy processes, Digit has...

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...