
Digit Health Care Plus Policy Silver Plan
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Our Verdict
Expert Review: Digit Health Insurance
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Final Verdict
About
About Digit Health Insurance
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 ThermoplastyVaporisation 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.
Waiting Period
A general waiting period of 30 days applies from policy inception, except for accidents.Pre-existing diseases are covered after 36 to 48 months, depending on the condition.Specific diseases have a 24-month waiting period, as detailed in the policy.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Daycare Treatment
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis. Treatment must be conducted in a recognized hospital or daycare center.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
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 ThermoplastyVaporisation 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.
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.
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