Question 1

What is the minimum and maximum entry age for Double Wallet by Digit Health Insurance?

Accepted Answer

Double Wallet allows adults to enter from 18 years and dependent children from 91 days. There is generally no strict maximum entry age, but underwriting and eligibility checks may apply at higher ages.

Question 2

Till what age can my child stay covered under Double Wallet?

Accepted Answer

Dependent children can remain covered up to 25 years under Double Wallet, provided they are unmarried and financially dependent on the primary policyholder, according to policy terms and definitions.

Question 3

Are unmarried children eligible under Double Wallet?

Accepted Answer

Yes, unmarried children who are financially dependent are eligible for coverage under Double Wallet until they reach the maximum dependent age specified in the policy.

Question 4

Can I add a new family member later under Double Wallet?

Accepted Answer

Yes, you can add eligible family members such as spouse, children, or parents at the time of policy renewal or qualifying life events subject to underwriting approval.

Question 5

Can my spouse and children be covered under a single sum insured in Double Wallet?

Accepted Answer

Yes, Double Wallet offers a family floater structure where the primary insured, spouse, and dependent children share a combined sum insured for hospitalisation benefits.

Question 6

Can I cover my parents under Double Wallet?

Accepted Answer

Yes, parents and parents-in-law can be included under Double Wallet, provided they meet the eligibility criteria, age requirements, and underwriting approval specified by the insurer.

Question 7

Can family members be added mid-term under Double Wallet?

Accepted Answer

Family members are usually added during policy renewal or qualifying events like marriage or childbirth, subject to underwriting terms and insurer approval rather than anytime mid-term.

Question 8

What is the PED waiting period if I port to Double Wallet from another insurer?

Accepted Answer

When porting from another insurer, the waiting period already served is credited, reducing the remaining waiting time before the conditions become eligible for coverage.

Question 9

Can I port my existing health policy to Double Wallet by Digit Health Insurance?

Accepted Answer

Yes, you can port your existing health policy to Double Wallet while retaining continuity benefits such as waiting period credits, subject to underwriting acceptance.

Question 10

What is the PED waiting period after porting into Double Wallet?

Accepted Answer

After porting, only the remaining waiting period needs to be completed, taking into account the period already served under the previous health policy.

Question 11

What unique benefits does Double Wallet by Digit Health Insurance offer compared to other policies?

Accepted Answer

Double Wallet offers flexible coverage options, wellness benefits, chronic care support, optional OPD cover, family floater convenience and comprehensive hospitalisation expense protection.

Question 12

Does Double Wallet come with any disease-wise sub-limits?

Accepted Answer

Double Wallet generally does not impose disease-wise sub-limits for core hospitalisation benefits, offering broader claim flexibility unless specifically mentioned otherwise.

Question 13

Are room rent or ICU charges capped in Double Wallet?

Accepted Answer

Double Wallet typically does not cap room rent or ICU charges, providing flexibility in hospital accommodation without triggering proportionate deduction during claims.

Question 14

Is co-payment compulsory or optional under Double Wallet?

Accepted Answer

Co-payment may apply based on age or underwriting conditions but is usually optional and clearly outlined in the policy document.

Question 15

Does Double Wallet offer a No-Claim Bonus (NCB)?

Accepted Answer

Yes, Double Wallet offers a No-Claim Bonus that increases the sum insured for every claim-free year, enhancing coverage without proportionate premium rise.

Question 16

Does Double Wallet provide any loyalty bonus?

Accepted Answer

Loyalty benefits such as wellness rewards or renewal incentives may be included to encourage long-term policy engagement and healthy lifestyle focus.

Question 17

Are preventive health check-ups included in all sum insured options under Double Wallet?

Accepted Answer

Yes, preventive health check-ups are included across all sum insured options to support early detection and proactive health management.

Question 18

Is there a grace period for renewing Double Wallet after expiry?

Accepted Answer

Yes, a grace period of approximately 30 days is provided after policy expiry, allowing renewal without losing continuity benefits though coverage may be temporarily paused.

Question 19

What are the available sum insured options under Double Wallet?

Accepted Answer

Double Wallet offers flexible sum insured amounts that can be chosen based on budget and health needs, typically ranging from moderate cover to higher levels of protection.

Question 20

Does Double Wallet offer maternity and newborn benefits?

Accepted Answer

Yes, Double Wallet includes maternity and newborn benefits, subject to specified waiting periods, helping cover costs related to delivery and newborn care under defined policy terms.

Question 21

Are pregnancy-related complications covered under Double Wallet?

Accepted Answer

Pregnancy-related complications are covered once the maternity waiting period is served, provided treatment meets medical necessity and eligibility criteria defined in the policy terms.

Question 22

Are daycare procedures covered in Double Wallet?

Accepted Answer

Yes, Double Wallet covers medically necessary daycare procedures that do not require 24-hour hospitalisation, provided they are listed in the policy and meet admissibility conditions.

Question 23

Are pre- and post-hospitalisation expenses covered under Double Wallet, and for how many days?

Accepted Answer

The plan covers pre-hospitalisation expenses for defined days before admission and post-hospitalisation for specified days after discharge, linked to a covered hospitalisation event.

Question 24

Does Double Wallet include OPD coverage?

Accepted Answer

Yes, Double Wallet offers optional OPD coverage to help cover outpatient consultations, diagnostic tests, and pharmacy costs within defined limits under the plan.

Question 25

Are room rent or ICU charges capped under Double Wallet?

Accepted Answer

Double Wallet does not typically impose harsh room rent or ICU sub-limits, offering flexibility in room choice without proportionate reduction in eligible claim amounts.

Question 26

Is chemotherapy covered under Double Wallet?

Accepted Answer

Yes, chemotherapy and related cancer treatments are covered when medically necessary and meet eligibility criteria as defined under the policy terms.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Double Wallet, or after a waiting period?

Accepted Answer

Lifestyle diseases are covered after the specified waiting period, after which related hospitalisation expenses become eligible for claims under the plan’s terms.

Question 28

Does Double Wallet include mental health treatments or counselling?

Accepted Answer

Yes, hospitalisation for mental health conditions is covered under Double Wallet, in line with regulatory standards and definitions for eligible inpatient treatment.

Question 29

Does Double Wallet cover AYUSH/alternative treatments?

Accepted Answer

Yes, AYUSH inpatient treatments such as Ayurveda, Homeopathy and Unani are covered when treated at accredited or recognised facilities, subject to plan terms.

Question 30

Are diagnostic tests and pathology covered under Double Wallet?

Accepted Answer

Diagnostic tests and pathology expenses are covered when they are part of a covered hospitalisation or linked pre/ post-hospital treatment under policy provisions.

Question 31

Is ambulance service covered under Double Wallet, and what is the limit?

Accepted Answer

Ambulance charges are covered up to specified limits per hospitalisation when transportation is medically necessary and linked to an admissible claim under the policy terms.

Question 32

Is organ donor surgery covered under Double Wallet?

Accepted Answer

Yes, organ donor surgery expenses are covered when medically necessary and associated with an approved transplant hospitalisation claim as defined under the policy.

Question 33

Are congenital conditions covered for children under Double Wallet?

Accepted Answer

Congenital external conditions are covered, while congenital internal conditions become eligible after the applicable waiting period specified under the policy is completed.

Question 34

Does Double Wallet cover vaccinations for adults and children?

Accepted Answer

Routine vaccinations are not standard benefits, though certain preventive vaccines may be covered under wellness sub-limits if included in the policy terms.

Question 35

Does Double Wallet provide international coverage?

Accepted Answer

Double Wallet primarily covers medical treatment within India, with international coverage available only if specifically included via optional global extensions or riders.

Question 36

Are occupational hazards or accident-related injuries covered under Double Wallet?

Accepted Answer

Yes, hospitalisation due to accidental injuries including occupational hazards is covered, subject to policy conditions and admissibility requirements as defined in the policy.

Question 37

Are cosmetic or plastic surgeries covered under Double Wallet, and under what conditions?

Accepted Answer

Cosmetic or plastic surgeries are covered only when medically necessary due to accidents or illness and not for elective aesthetic purposes, per policy definitions.

Question 38

Does Double Wallet include chronic disease management support?

Accepted Answer

Yes, Double Wallet includes chronic disease management support for ongoing conditions, helping insureds manage long-term diseases with structured care benefits defined in the policy.

Question 39

Are wellness, fitness, or reward-based benefits included in Double Wallet?

Accepted Answer

Yes, wellness benefits such as preventive health check-ups, fitness incentives and health rewards are included to encourage proactive health and early detection.

Question 40

Does Double Wallet provide any death benefit?

Accepted Answer

No, Double Wallet does not provide a separate death benefit, as it is specifically designed to cover medical expenses and hospitalisation rather than mortality payouts.

Question 41

What are PEDs, and when are they covered under Double Wallet?

Accepted Answer

Pre-existing diseases are conditions present before buying the policy. They are covered only after the specified waiting period under the policy terms has been served.

Question 42

Is day-1 PED coverage available under Double Wallet?

Accepted Answer

No, day-one coverage for pre-existing diseases is not available. Such conditions become eligible only after the waiting period defined under the plan is completed.

Question 43

What is the waiting period for PEDs under Double Wallet?

Accepted Answer

The waiting period for pre-existing diseases is typically 36 months from the policy start date before related claims become eligible under the plan terms.

Question 44

Does Digit Health Insurance offer top-up or super top-up options along with Double Wallet?

Accepted Answer

Yes, Digit offers top-up and super top-up plans that can be linked with Double Wallet to enhance overall coverage limits and protect against high expenses.

Question 45

Does Double Wallet offer cashless hospitalisation?

Accepted Answer

Yes, Double Wallet provides cashless hospitalisation at network hospitals subject to pre-authorisation and compliance with policy terms for eligible hospitalization expenses.

Question 46

How long does Digit Health Insurance take to approve cashless claims for Double Wallet?

Accepted Answer

Cashless claims are typically approved promptly once all required pre-authorisation and supporting medical documents are submitted by the treating hospital on behalf of the insured.

Question 47

What documents are required to file a claim under Double Wallet?

Accepted Answer

Documents include the completed claim form, discharge summary, hospital bills, prescriptions, diagnostic reports, identity proof and any additional paperwork requested by the insurer.

Question 48

Is pre-authorisation mandatory for hospitalisation under Double Wallet?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation to avail cashless benefits, while emergency hospitalisation must be intimated within specified timelines as required by the insurer.

Question 49

How many claims can I make in one policy year under Double Wallet?

Accepted Answer

There is no limit on the number of claims per policy year, provided the total claimed amount remains within the available sum insured and sub-limits.

Question 50

Is the hospital network list available for Double Wallet, and can I avail treatment outside the network?

Accepted Answer

Yes, a hospital network list is provided for cashless treatment and you can avail treatment outside the network through reimbursement, subject to policy terms.

Question 51

What is the claim settlement ratio of Digit Health Insurance for Double Wallet?

Accepted Answer

Digit Health Insurance has a strong overall claim settlement performance, reflecting efficient processing, timely service and reliable customer support across its health products.

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What Is Health Care Plus Double Wallet?

Double Wallet

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6.5

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