Digit Health Care Plus Policy Health Insurance Plan
Overview
Go Digit General Insurance Limited is a non-life general insurance company incorporated in 2016. It has been ranked as the Top Indian Start-up for 2 consecutive years. It is one of the fastest growing insurance company with a base of over 3 Million customers & also the only Indian Insurance Company to be featured in the Global FinTech 250 list. The Company offers simpler non-life general insurance solutions through digital platform.
Highlights For
Digit- Double Wallet
Restore Benefit
Inbuilt Personal Accident Cover
Psychiatric illness cover
Bariatric Surgery
Consumables Cover
Features
Sub-limits
Health Check up
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
Ambulance
Transportation of the patient to the hospital and back home
Bariatric cover
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Pre-Hospitalisation : Upto 30 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : Upto 60 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 2 Years
Listed specific illness
Waiting Period- PED : 48 months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Upto Sum Insured
Room rent for in-patient hospitalisation
ICU Charges : Upto Sum Insured
Charges for ICU hospitalisation
Co pay : No
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : Once per policy period, No Exhaustion Clause for related and unrelated illnesses, Same person covered.
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : 0.25% of base Upto Sum Insuredup to INR 1,000 every two years.
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : Max 100%, 10% of Base Upto Sum Insuredper claim-free year.
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : Upto Sum Insured
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : 1% of Base Sum Insured, Max up to INR 10,000.
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Upto Sum Insured
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : Coverage for organ issues due to obesity (BMI > 35), excluding disorders due to eating disorders, hormones, or treatable conditions.
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Upto Sum Insured
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : No
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : No
All advanced treatment with upgrade in technology.
Health Management/ Wellness : Yes
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.