Digit Health Care Plus Policy Plan
Digit
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room and ICU charges up to the sum insured, ensuring financial security during hospital stays.
Advanced Treatments
Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.
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Our Verdict
The Digit Health Care Plus Policy-Diamond offers comprehensive coverage, including critical illness and maternity. With flexible add-ons and a wide hospital network, it’s ideal for families seeking extensive, customizable health insurance.
About the Plan
The Digit Health Care Plus Policy-Diamond is a comprehensive health insurance plan designed to provide extensive coverage for various medical expenses. This plan includes 16 base covers and 6 optional covers, addressing diverse healthcare needs. It offers sum insured options starting from ₹2 lakh, enabling policyholders to select coverage that aligns with their requirements. The policy facilitates cashless treatments across a vast network of over 16,400 hospitals nationwide, ensuring accessibility to quality healthcare services. Additionally, the plan provides coverage for inpatient hospitalization, day care procedures, pre and post-hospitalization expenses, and road ambulance costs. Policyholders can also benefit from optional covers such as maternity cover, hospital cash cover, critical illness cover, personal accident cover, and zone upgrade, allowing for a tailored insurance experience.
About the Plan
Product Stats
Rating
Features of the Product
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Room Rent
- Room Rent: Policyholders can select a per-day room rent limit, as specified in their policy schedule.
- ICU Charges: The plan provides coverage for ICU charges, subject to the terms outlined in the policy
Advanced Treatments
- Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
- Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
- Infertility Treatment: Coverage is provided up to 10% of the sum insured.
Co-payment
- Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.
- Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.
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.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Daycare Treatment
Covered by the policy.
Exclusions
Pre-existing diseases (except diabetes) are covered only after the specified waiting period.
No coverage for maternity expenses, childbirth, or fertility treatments.
Cosmetic or plastic surgery unless medically necessary is excluded.
Injuries or illnesses due to drug abuse, alcohol, or self-inflicted harm are not covered.
Treatment for obesity or weight control procedures is excluded.
Dental and vision treatments unless due to an accident are excluded.
Non-prescription drugs, supplements, and vitamins are not reimbursed.
Treatment arising from war, terrorism, or nuclear exposure is not covered.
Hospitalization solely for diagnostic purposes without active treatment is excluded.
Exclusions
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 makes the process smooth and transparent.
The company is trusted for quick claim settlement and customer-friendly service. With affordable premiums and easy processes, Digit has grown into one of the fastest-growing insurance companies in India.
About the Company
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