
Godigit Health Care Plus Option 6 Plan
99
Claim Settlement Ratio
9400
Network Hospitals
7.4
Customer Rating
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Get a Quote
99
Claim Settlement Ratio
9400
Network Hospitals
7.4
Customer Rating
Our Verdict
Expert Review: Digit Health Insurance
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
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.
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
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.
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
Treatment for infertility, in vitro fertilization, or assisted conception procedures
Expenses related to participation in hazardous activities or adventure sports
Experimental, unproven, or alternative treatments unless explicitly covered
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