How does the waiting period affect my coverage?

The Digit Health Care Plus Policy – Double Wallet imposes a 30-day initial waiting period; pre-existing diseases are covered after 48 months.

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

This policy offers a 10% cumulative bonus on the sum insured for each claim-free year, up to a maximum of 100%.

Will my health insurance cover treatment abroad?

The Digit Health Care Plus Policy – Double Wallet does not provide coverage for treatments received outside India.

Are there any restrictions on room rent under this plan?

No, there are no room rent restrictions under this plan.

Is personal accident cover included in the Digit Double Wallet Plan?

Yes, the Digit Double Wallet Plan includes personal accident cover.

Are daycare procedures covered under this plan?

Daycare procedures are covered, subject to policy terms and conditions.

OneAssure

Health Insurance

Digit

Health Care Plus Double Wallet

Digit Double Wallet Plan

Experience India's most trusted health insurance with Digit Health Insurance. Get instant cashless treatment at 9400 network hospitals with sum insured up to ₹50 lakhs.

99%

Claim Settlement Ratio

9400+

Network Hospitals

8.1

Customer Rating

Brochure

Policy Wording

Get a Quote

99%

Claim Settlement Ratio

9400+

Network Hospitals

8.1

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Digit Health Insurance

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Final Verdict

Digit Health Care Plus – Double Wallet offers comprehensive coverage with sum insured reinstatement, cumulative bonus, and a wide range of add-ons. Ideal for families seeking robust healthcare protection and flexibility.

About

About Digit Health Insurance

The Digit Health Care Plus Policy – Double Wallet is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes benefits such as hospitalization expenses, pre and post-hospitalization care, and day care treatments. The policy offers a sum insured backup feature, allowing reinstatement of the sum insured once per policy period for related and unrelated illnesses, ensuring continuous protection. Additionally, it provides a cumulative bonus of 10% for each claim-free year, up to a maximum of 100%. Policyholders can also benefit from free annual health check-ups and have access to a wide network of over 16,400 cashless hospitals.

The Digit Health Care Plus Policy – Double Wallet is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes benefits such as hospitalization expenses, pre and post-hospitalization care, and day care treatments. The policy offers a sum insured backup feature, allowing reinstatement of the sum insured once per policy period for related and unrelated illnesses, ensuring continuous protection. Additionally, it provides a cumulative bonus of 10% for each claim-free year, up to...

Inclusions and Exclusions

Inclusions and Exclusions of Digit Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)  Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical ThermoplastyVaporisation of the prostrate (Green laser treatment or holmium laser treatment)IONM - (Intra Operative Neuro Monitoring)  Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

Full Claim Paid by the insurer.

Waiting Period

Initial waiting period of 30 days from the policy start date.Pre-existing diseases are covered after a waiting period of 3 years.

Cashless Healthcare Providers

Network of over 16,400+ cashless hospitals.

Daycare Treatment

Medical procedures that require less than 24-hour hospitalization, such as cataract surgeries or chemotherapy, are covered under the policy.

AYUSH Treatment

Alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered, providing a holistic approach to healthcare.

Room Rent

Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)  Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical ThermoplastyVaporisation of the prostrate (Green laser treatment or holmium laser treatment)IONM - (Intra Operative Neuro Monitoring)  Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

Full Claim Paid by the insurer.

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Exclusions

Pre-existing conditions unless disclosed and accepted by the insurer.
Intentional self-injury, suicide, or attempted suicide.
Conditions arising from alcohol, drug, or intoxicant misuse.
Injuries or illnesses resulting from war, invasion, or military actions.
Cosmetic or aesthetic procedures unless medically necessary due to an accident.
Treatment for infertility, in vitro fertilization, or assisted conception procedures.
Expenses related to participation in hazardous activities or adventure sports.
Experimental, unproven, or alternative treatments unless explicitly 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 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...

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.