How does the waiting period affect my coverage?

The Digit Health Care Plus Policy – Double Wallet imposes a 30-day initial waiting period; pre-existing diseases are covered after 48 months.

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

This policy offers a 10% cumulative bonus on the sum insured for each claim-free year, up to a maximum of 100%.

Will my health insurance cover treatment abroad?

The Digit Health Care Plus Policy – Double Wallet does not provide coverage for treatments received outside India.

Are there any restrictions on room rent under this plan?

No, there are no room rent restrictions under this plan.

Is personal accident cover included in the Digit Double Wallet Plan?

Yes, the Digit Double Wallet Plan includes personal accident cover.

Are daycare procedures covered under this plan?

Daycare procedures are covered, subject to policy terms and conditions.

OneAssure

Health Insurance

Digit

Health Care Plus Double Wallet

Digit Double Wallet Plan

Experience India's most trusted health insurance with Digit Health Insurance. Get instant cashless treatment at 6400 network hospitals with sum insured up to ₹50 lakhs.

99

Claim Settlement Ratio

6400

Network Hospitals

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

99

Claim Settlement Ratio

6400

Network Hospitals

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Digit Health Care Plus Double Wallet

Final Verdict

Digit Health Care Plus – Double Wallet offers comprehensive coverage with sum insured reinstatement, cumulative bonus, and a wide range of add-ons. Ideal for families seeking robust healthcare protection and flexibility.

About

About Digit Health Care Plus Double Wallet

The Digit Health Care Plus Policy – Double Wallet is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes benefits such as hospitalization expenses, pre and post-hospitalization care, and day care treatments. The policy offers a sum insured backup feature, allowing reinstatement of the sum insured once per policy period for related and unrelated illnesses, ensuring continuous protection. Additionally, it provides a cumulative bonus of 10% for each claim-free year, up to a maximum of 100%. Policyholders can also benefit from free annual health check-ups and have access to a wide network of over 16,400 cashless hospitals.

The Digit Health Care Plus Policy – Double Wallet is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes benefits such as hospitalization expenses, pre and post-hospitalization care, and day care treatments. The policy offers a sum insured backup feature, allowing reinstatement of the sum insured once per policy period for related and unrelated illnesses, ensuring continuous protection. Additionally, it provides a cumulative bonus of 10% for each claim-free year, up to...

Double Wallet Ratings

Ratings: Digit Double Wallet

Insurer Rating

7.63

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Digit Health Care Plus Double Wallet

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
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

Full Claim Paid by the insurer.

Cashless Healthcare Providers

Network of over 16,400+ cashless hospitals.

Waiting Period

Initial waiting period of 30 days from the policy start date.
Pre-existing diseases are covered after a waiting period of 3 years.

Daycare Treatment

Medical procedures that require less than 24-hour hospitalization, such as cataract surgeries or chemotherapy, are covered under the policy.

AYUSH Treatment

Alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered, providing a holistic approach to healthcare.

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
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

Full Claim Paid by the insurer.

Exclusions

Pre-existing conditions unless disclosed and accepted by the insurer.
Intentional self-injury, suicide, or attempted suicide.
Conditions arising from alcohol, drug, or intoxicant misuse.
Injuries or illnesses resulting from war, invasion, or military actions.
Cosmetic or aesthetic procedures unless medically necessary due to an accident.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.