How does the waiting period affect my coverage?

The GoDigit Health Care Plus Option 3 plan has waiting periods for pre-existing conditions, specific diseases, and initial coverage limitations.

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

If no claims are made, the plan offers a No Claim Bonus, increasing the sum insured without additional premium costs.

Does the GoDigit Health Care Plus Option 3 plan cover treatment abroad?

The plan primarily covers treatments in India, but some optional add-ons may provide limited coverage for medical emergencies abroad.

Under what conditions are age-based or location-based cost-sharing parameters waived under this policy?

The policy incorporates a protected cost structure that completely eliminates standard age-based and zone-based co-payments, ensuring that the insurance company absorbs 100% of all admissible claim amounts regardless of your enrollment age group or city tier layout.

How does receiving medical care outside your designated geographical boundary impact out-of-pocket expenses?

The plan enforces a conditional geographical cost-sharing mechanism where seeking treatment in a higher medical zone than your designated area triggers a mandatory 10% to 20% co-payment penalty on the admissible bill layout.

OneAssure

Health Insurance

Digit

Health Care Plus Option 3 Plan

Godigit Health Care Plus Option 3 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

7.4

Customer Rating

Policy Policy Wording

Get a Quote

99%

Claim Settlement Ratio

6400+

Network Hospitals

7.4

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Digit Health Care Plus Option 3 Plan

Final Verdict

GoDigit Health Care Plus Option 3 offers comprehensive coverage with a high sum insured, including modern treatments and cashless hospitalization. Add-ons like maternity and critical illness enhance its value, making it a strong choice for individuals and families seeking robust, customizable health protection.

About

About Digit Health Care Plus Option 3 Plan

The GoDigit Health Care Plus Option 3 is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and ambulance services. The plan offers a high sum insured with flexible options, ensuring financial security during medical emergencies. It also covers advanced treatments, critical illnesses, and cashless hospitalization at a vast network of hospitals. With affordable premiums and add-on options, this plan is ideal for individuals and families seeking enhanced healthcare protection.

The GoDigit Health Care Plus Option 3 is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and ambulance services. The plan offers a high sum insured with flexible options, ensuring financial security during medical emergencies. It also covers advanced treatments, critical illnesses, and cashless hospitalization at a vast network of hospitals. With affordable premiums and add-on options, this plan is ideal for...

Option 3 Plan Ratings

Ratings: Digit Option 3 Plan

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

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Inclusions and Exclusions

Inclusions and Exclusions of Digit Health Care Plus Option 3 Plan

Room Rent

Room Rent and ICU Charges: There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.

Advanced Treatments

Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.

Co-payment

No Age or Zone-Based Co-payment: Policyholders are not required to share costs based on their age or geographical location.
Higher Zone Treatment Co-payment: If treatment is received in a higher medical zone than the insured's designated zone, a co-payment of 10-20% applies.
Voluntary Co-payment: Policyholders can opt for a voluntary co-payment, agreeing to pay a predetermined percentage of claim amounts, which can reduce premium costs.

Cashless Healthcare Providers

Access to over 11,300 cashless network hospitals across India.

Waiting Period

.

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

Room Rent and ICU Charges: There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.

Advanced Treatments

Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.

Co-payment

No Age or Zone-Based Co-payment: Policyholders are not required to share costs based on their age or geographical location.
Higher Zone Treatment Co-payment: If treatment is received in a higher medical zone than the insured's designated zone, a co-payment of 10-20% applies.
Voluntary Co-payment: Policyholders can opt for a voluntary co-payment, agreeing to pay a predetermined percentage of claim amounts, which can reduce premium costs.

Exclusions

Pre-existing diseases are excluded until the specified waiting period is completed.
Certain conditions like cataract, hernia, psychiatric illnesses, joint replacement, and bariatric surgery have a designated waiting period.
Any disease contracted within the first 30 days from policy commencement is not covered, except for accidental injuries.
Hospital admissions primarily for diagnostic purposes without treatment are excluded.
Expenses related to enforced bed rest, rehabilitation, or respite care are not covered.

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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...