How does the waiting period affect my coverage?

A 30-day waiting period applies, excluding accidents. Pre-existing conditions are covered after 48 months; some illnesses require 24 months.

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

A No Claim Bonus increases your sum insured yearly, rewarding you with additional coverage at no extra cost.

Does the Digit Health Care Plus Policy – Gold cover treatment abroad?

Standard coverage applies within India, but optional add-ons may provide limited emergency treatment abroad. Check with your insurer for details.

. Is there a mandatory cost-sharing requirement enforced based on age or geographical location under this gold plan?

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.

Under what parameters can applicants adjust the policy waiting period timelines at the time of purchase?

The policy incorporates highly customizable initialization options that empower applicants to choose their preferred waiting intervals, allowing you to compress the initial illness waiting window down to an accelerated track of 15 days, 7 days, 2 days, or zero days.

OneAssure

Health Insurance

Digit

Health Care Plus Policy Gold Plan

Digit Health Care Plus Policy Gold 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 Brochure

Get a Quote

99%

Claim Settlement Ratio

6400+

Network Hospitals

7.4

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Digit Health Care Plus Policy Gold Plan

Final Verdict

The Digit Health Care Plus Policy-Gold offers extensive coverage with no room rent caps, global emergency support, and maternity benefits. Ideal for families seeking comprehensive health protection and flexibility in healthcare options.

About

About Digit Health Care Plus Policy Gold Plan

The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement ratio of 97%, ensuring accessible and reliable healthcare services.

The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement...

Policy Gold Plan Ratings

Ratings: Digit Policy Gold 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 Policy Gold Plan

Co-payment

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.

Room Rent

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.

Advanced Treatments

Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.
Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.
Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.

Cashless Healthcare Providers

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

Waiting Period

Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.
Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Co-payment

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.

Room Rent

The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.

Advanced Treatments

Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.
Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.
Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.

Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for self-inflicted injuries or suicide attempts is excluded.
Expenses due to alcohol, drug, or other intoxicant abuse are not covered.
Injuries arising from participation in hazardous or adventure sports are excluded.
Cosmetic or plastic surgery, unless medically necessary due to an injury, is 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...