How does the waiting period affect my coverage?

A 30-day general waiting period applies, with pre-existing conditions covered after 48 months and specific illnesses after up to 24 months.

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

You earn a No Claim Bonus (NCB), increasing your sum insured without extra premium costs for each claim-free year.

Does the plan cover treatment abroad?

Standard coverage is limited to India, but optional add-ons may provide limited international treatment benefits for medical emergencies.

How does the unlimited restoration benefit work in this plan?

Unlimited restoration refills sum insured after each claim, without limits.

What is the claim settlement ratio for Digit Infinity Wallet Plan?

The Digit Infinity Wallet Plan has a claim settlement ratio of 94.23%

OneAssure

Health Insurance

Digit

Health Care Plus Infinity Wallet

Digit Infinity 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

0

Customer Rating

Policy Brochure

Get a Quote

99%

Claim Settlement Ratio

6400+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Digit Health Care Plus Infinity Wallet

Final Verdict

The Digit Health Care Plus Infinity Wallet plan offers unlimited restoration, global coverage, and maternity benefits. Ideal for families and individuals seeking extensive, flexible coverage with no room rent limits or co-payments.

About

About Digit Health Care Plus Infinity Wallet

The Digit Health Care Plus Policy – Infinity Wallet is a comprehensive health insurance plan designed to provide extensive coverage for various medical needs. It offers unlimited restoration benefits, ensuring your sum insured is reinstated multiple times during the policy period if exhausted due to claims. Policyholders benefit from a 50% no-claim bonus for each claim-free year, enhancing their coverage over time. The plan includes an in-built personal accident cover of ₹1,00,000, providing financial support in case of accidental death. Notably, there are no room rent limits or co-payment requirements, allowing for flexible and hassle-free hospitalization experiences.

The Digit Health Care Plus Policy – Infinity Wallet is a comprehensive health insurance plan designed to provide extensive coverage for various medical needs. It offers unlimited restoration benefits, ensuring your sum insured is reinstated multiple times during the policy period if exhausted due to claims. Policyholders benefit from a 50% no-claim bonus for each claim-free year, enhancing their coverage over time. The plan includes an in-built personal accident cover of ₹1,00,000, providing financial support...

Infinity Wallet Ratings

Ratings: Digit Infinity 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

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Inclusions and Exclusions

Inclusions and Exclusions of Digit Health Care Plus Infinity Wallet

Room Rent

The Digit Health Care Plus Policy – Infinity Wallet offers unlimited 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.
.

Co-payment

The Digit Health Care Plus Policy – Infinity Wallet is designed with no mandatory co-payment, meaning the insurer covers the entire cost of treatment up to 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.

Room Rent

The Digit Health Care Plus Policy – Infinity Wallet offers unlimited 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.
.

Co-payment

The Digit Health Care Plus Policy – Infinity Wallet is designed with no mandatory co-payment, meaning the insurer covers the entire cost of treatment up to the sum insured.

Exclusions

Pre-existing diseases during the waiting period.
Injuries or illnesses caused by self-inflicted harm or suicide attempts.
Treatments related to drug abuse, alcohol consumption, or substance misuse.
Cosmetic or plastic surgeries unless medically necessary.
Dental treatment unless required due to an accident.

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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...

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.