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Digit Health Care Plus Policy Silver Plan

Digit Health Care Plus Policy Silver 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.

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99

Claim Settlement Ratio

9400

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: Digit Health Insurance

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Final Verdict

Digit Health Care Plus Silver offers comprehensive coverage with maternity, organ donor expenses, and optional add-ons like loss of income and cumulative bonus protection. Ideal for individuals and families seeking flexible, customizable health insurance.

About

About Digit Health Insurance

The Digit Health Care Plus Policy-Silver offers comprehensive coverage, including hospitalization, day care treatments, pre and post-hospitalization expenses, organ donor expenses, and AYUSH treatments. It covers maternity benefits, newborn care, infertility treatments, and road ambulance costs. Optional covers include loss of income, cumulative bonus protection, and daily cash for an insured child’s guardian. Available for individuals 18+ and dependent children (91 days+), the policy offers flexible tenures of 1, 2, or 3 years for customized health...

Inclusions and Exclusions

Inclusions and Exclusions of Digit Insurance Company Limited

Room Rent

  • Normal: Covered up to Sum Insured

  • ICU: Covered up to Sum Insured

Advanced Treatments

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

  • Balloon Sinuplasty

  • Deep Brain stimulation d. Oral chemotherapy

  • Immunotherapy - Monoclonal Antibody to be given as injection

  • Intra vitreal injections

  • Robotic surgeries

  • Stereotactic radio surgeries

  • Bronchical Thermoplasty

  • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

  • IONM - (Intra Operative Neuro Monitoring)

  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

  • First Year: 25% of the admissible claim amount.

  • First Renewal: 10% co-payment applies.

  • From Second Renewal Onwards: No co-payment, provided the policy is renewed continuously without a break​.

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Exclusions

  • Conditions existing before policy inception are excluded during the waiting period.

  • Injuries resulting from intentional self-harm are not covered.

  • Medical issues arising from alcohol or drug abuse are excluded.

  • Treatments for aesthetic purposes without medical necessity are not covered.

  • Injuries due to war, riots, or nuclear hazards are excluded.

  • Expenses related to childbirth, miscarriage, abortion, and infertility treatments are not covered.

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About the company

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...

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