Question 1

Can I add a new family member later under Infinity Wallet?

Accepted Answer

Yes, eligible family members like spouse, children, or parents can be added at renewal or during qualifying events, subject to underwriting approval and policy conditions.

Question 2

What is the minimum and maximum entry age for Infinity Wallet by Digit Health Insurance?

Accepted Answer

Infinity Wallet allows entry from 18 years for adults. Dependent children are eligible from 91 days. There is no strict maximum entry age, but acceptance for elderly applicants is subject to underwriting and eligibility checks.

Question 3

Till what age can my child stay covered under Infinity Wallet?

Accepted Answer

Dependent children can stay covered under the policy until 25 years of age, provided they are unmarried and financially dependent on the primary policyholder, as defined in the plan terms.

Question 4

Are unmarried children eligible under Infinity Wallet?

Accepted Answer

Yes, unmarried and financially dependent children are eligible for coverage under Infinity Wallet until they reach the maximum dependent age limit specified in the policy wording.

Question 5

Can my spouse and children be covered under a single sum insured in Infinity Wallet?

Accepted Answer

Yes, Infinity Wallet allows a family floater sum insured where you, your spouse, and dependent children are covered under one unified coverage limit.

Question 6

Can I cover my parents under Infinity Wallet?

Accepted Answer

Yes, parents and parents-in-law can be included under Infinity Wallet, subject to age eligibility and underwriting conditions determined by the insurer at issuance.

Question 7

Can family members be added mid-term under Infinity Wallet?

Accepted Answer

Family members are generally added at renewal or qualifying life events, subject to underwriting approval and policy terms rather than freely anytime during the policy year.

Question 8

What is the PED waiting period if I port to Infinity Wallet from another insurer?

Accepted Answer

When porting from another insurer, the waiting period already served is credited, reducing the remaining waiting time before pre-existing disease coverage applies.

Question 9

Can I port my existing health policy to Infinity Wallet by Digit Health Insurance?

Accepted Answer

Yes, you can port your existing health policy to Infinity Wallet while retaining continuity benefits such as waiting period credits, subject to underwriting approval.

Question 10

What is the PED waiting period after porting into Infinity Wallet?

Accepted Answer

After porting, only the remaining waiting period needs to be served, considering the duration already completed under your previous policy.

Question 11

What unique benefits does Infinity Wallet by Digit Health Insurance offer compared to other policies?

Accepted Answer

Infinity Wallet offers flexible coverage, wellness benefits, chronic condition support, optional OPD, family floater protection and comprehensive medical expense coverage with easy renewals.

Question 12

Does Infinity Wallet come with any disease-wise sub-limits?

Accepted Answer

Infinity Wallet typically avoids rigid disease-wise sub-limits, offering broader claim flexibility unless the policy wording explicitly specifies otherwise.

Question 13

Are room rent or ICU charges capped in Infinity Wallet?

Accepted Answer

Infinity Wallet generally does not cap room rent or ICU charges, allowing flexibility in choosing room categories without proportionate deduction during claim settlement.

Question 14

Is co-payment compulsory or optional under Infinity Wallet?

Accepted Answer

Co-payment may apply based on age or underwriting conditions but is usually optional and clearly defined in the policy document.

Question 15

Does Infinity Wallet offer a No-Claim Bonus (NCB)?

Accepted Answer

Yes, Infinity Wallet provides a No-Claim Bonus that increases the sum insured for each claim-free year, enhancing coverage without proportionate premium rise.

Question 16

Does Infinity Wallet provide any loyalty bonus?

Accepted Answer

Loyalty benefits such as wellness rewards, renewal incentives or continuity perks may be included, rewarding long-term policy engagement and health focus.

Question 17

Are preventive health check-ups included in all sum insured options under Infinity Wallet?

Accepted Answer

Yes, preventive health check-ups are included across sum insured options to help detect health issues early and support proactive health monitoring.

Question 18

Is there a grace period for renewing Infinity Wallet after expiry?

Accepted Answer

Yes, a grace period of around 30 days is provided after policy expiry, allowing you to renew without losing continuity benefits though coverage may be paused temporarily.

Question 19

What are the available sum insured options under Infinity Wallet?

Accepted Answer

Infinity Wallet offers flexible sum insured options, typically starting at modest levels and extending to high coverage choices, allowing you to select protection based on your financial and health needs.

Question 20

Does Infinity Wallet offer maternity and newborn benefits?

Accepted Answer

Yes, Infinity Wallet includes maternity and newborn benefits subject to waiting periods. It helps cover delivery-related expenses and newborn care once the waiting period is served.

Question 21

Are pregnancy-related complications covered under Infinity Wallet?

Accepted Answer

Pregnancy-related complications are covered once the maternity waiting period is completed and the treatment meets the conditions specified in the policy terms.

Question 22

Are daycare procedures covered in Infinity Wallet?

Accepted Answer

Yes, medically necessary daycare procedures that do not require 24-hour hospitalisation are covered under Infinity Wallet, subject to policy criteria.

Question 23

Are pre- and post-hospitalisation expenses covered under Infinity Wallet, and for how many days?

Accepted Answer

The plan covers pre-hospitalisation expenses for defined days before admission and post-hospitalisation expenses for specified days after discharge, linked to a covered hospital event.

Question 24

Does Infinity Wallet include OPD coverage?

Accepted Answer

Yes, Infinity Wallet provides optional OPD coverage that helps cover outpatient consultations, diagnostics, and pharmacy expenses within defined limits under the plan.

Question 25

Are room rent or ICU charges capped under Infinity Wallet?

Accepted Answer

Infinity Wallet does not typically impose restrictive room rent or ICU sub-limits, providing flexibility in room selection without proportionate reduction in eligible claims.

Question 26

Is chemotherapy covered under Infinity Wallet?

Accepted Answer

Yes, chemotherapy and related cancer treatments are covered when medically necessary and eligible under policy terms as part of inpatient or daycare benefits.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Infinity Wallet, or after a waiting period?

Accepted Answer

Lifestyle diseases are covered only after the specified waiting period, after which hospitalisation and related expenses for these conditions become eligible for claims.

Question 28

Does Infinity Wallet include mental health treatments or counselling?

Accepted Answer

Yes, hospitalization related to mental health conditions is covered under the plan, in line with regulatory guidelines and policy-defined inpatient treatment provisions.

Question 29

Does Infinity Wallet cover AYUSH/alternative treatments?

Accepted Answer

Yes, inpatient AYUSH treatments like Ayurveda, Homeopathy, and Unani are covered under the policy when taken at recognised treatment centres, subject to policy terms.

Question 30

Are diagnostic tests and pathology covered under Infinity Wallet?

Accepted Answer

Diagnostic tests and pathology expenses are covered when they form part of a covered hospitalisation or related pre- and post-hospitalisation treatment.

Question 31

Is ambulance service covered under Infinity Wallet, and what is the limit?

Accepted Answer

Ambulance charges are covered up to specified limits per hospitalization when the transport is medically necessary and directly linked to an eligible claim under the policy.

Question 32

Is organ donor surgery covered under Infinity Wallet?

Accepted Answer

Yes, organ donor surgery expenses are covered when they are medically necessary and related to an approved transplant procedure under policy provisions.

Question 33

Are congenital conditions covered for children under Infinity Wallet?

Accepted Answer

Congenital external conditions are covered, while congenital internal conditions become eligible after completion of applicable waiting periods specified in the policy.

Question 34

Does Infinity Wallet cover vaccinations for adults and children?

Accepted Answer

Routine vaccinations are not standard benefits, though some preventive vaccines may be covered under wellness or sub-limit benefits if defined in the policy.

Question 35

Does Infinity Wallet provide international coverage?

Accepted Answer

Infinity Wallet primarily offers domestic medical coverage. International treatment may be covered only if specifically included through global care extensions or riders.

Question 36

Are occupational hazards or accident-related injuries covered under Infinity Wallet?

Accepted Answer

Yes, hospitalization due to accidental injuries including occupational hazards is covered, subject to policy conditions and admissibility guidelines.

Question 37

Are cosmetic or plastic surgeries covered under Infinity Wallet, and under what conditions?

Accepted Answer

Cosmetic or plastic surgeries are covered only when medically necessary due to accidents, illness, or congenital defects, and not for elective aesthetic procedures.

Question 38

Does Infinity Wallet include chronic disease management support?

Accepted Answer

Yes, Infinity Wallet provides chronic disease management support that helps guide structured care and monitoring for long-term conditions as defined in the policy.

Question 39

Are wellness, fitness, or reward-based benefits included in Infinity Wallet?

Accepted Answer

Yes, wellness benefits like preventive health check-ups and fitness rewards are included to encourage healthy living and early detection of medical conditions.

Question 40

Does Infinity Wallet provide any death benefit?

Accepted Answer

No, Infinity Wallet does not offer a separate death benefit, as it focuses on covering medical and hospitalisation expenses rather than mortality payouts.

Question 41

What are PEDs, and when are they covered under Infinity Wallet?

Accepted Answer

Pre-existing diseases are conditions present before buying the policy. They are covered only after completing the waiting period defined in the plan terms.

Question 42

Is day-1 PED coverage available under Infinity Wallet?

Accepted Answer

No, day-one coverage for pre-existing diseases is not available; such conditions become eligible for claims only after the defined waiting period is served.

Question 43

What is the waiting period for PEDs under Infinity Wallet?

Accepted Answer

The waiting period for pre-existing diseases is typically 36 months from the policy start date before related medical expenses become eligible for claims.

Question 44

Does Digit Health Insurance offer top-up or super top-up options along with Infinity Wallet?

Accepted Answer

Yes, Digit offers top-up and super top-up health plans that can be combined with Infinity Wallet to enhance overall coverage limits.

Question 45

Does Infinity Wallet offer cashless hospitalisation?

Accepted Answer

Yes, Infinity Wallet provides cashless hospitalisation benefits at network hospitals, subject to pre-authorisation and compliance with policy terms for eligible treatments.

Question 46

How long does Digit Health Insurance take to approve cashless claims for Infinity Wallet?

Accepted Answer

Cashless claims are typically processed promptly once pre-authorisation and required medical documents are submitted by the hospital on your behalf.

Question 47

What documents are required to file a claim under Infinity Wallet?

Accepted Answer

Required documents include the completed claim form, discharge summary, hospital bills, prescriptions, diagnostic reports, identity proof, and any policy-specified papers.

Question 48

Is pre-authorisation mandatory for hospitalisation under Infinity Wallet?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation to avail cashless benefits, while emergency hospitalisation must be informed within the insurer’s specified timeframe.

Question 49

How many claims can I make in one policy year under Infinity Wallet?

Accepted Answer

There is no fixed limit on the number of claims in a policy year, provided the cumulative claim amount stays within the available sum insured and sub-limits.

Question 50

Is the hospital network list available for Infinity Wallet, and can I avail treatment outside the network?

Accepted Answer

Yes, a wide hospital network list is available for cashless treatment, and treatment outside the network can be availed through reimbursement subject to policy rules.

Question 51

What is the claim settlement ratio of Digit Health Insurance for Infinity Wallet?

Accepted Answer

Digit Health Insurance maintains a strong overall claim settlement ratio, reflecting efficient claims handling, timely service and strong customer support across its products.

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Expert Review: Digit Health Care Plus Infinity Wallet

Final Verdict

What Is Health Care Plus Infinity Wallet?

Infinity Wallet

Insurer Rating

7.63

Insurance Rating

6.5

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Digit Health Care Plus Infinity Wallet Inclusions and Exclusions

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