Digit Double Wallet Plan
Digit
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospital room expenses up to the sum insured without any sub-limits.
Co-payment Benefit
No co-payment required; the insurer covers the entire claim amount, reducing out-of-pocket expenses for the insured.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to Sum Insured
- ICU: Covered up to Sum Insured
- Normal: 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 Thermoplasty
- Vaporisation 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.
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.
Medical expenses for non-allopathic treatments unless specified in the policy.
Treatments related to weight control, obesity, or dietary supplements.
Congenital external diseases, anomalies, or defects.
Charges for hospitalization solely for diagnostic purposes without active treatment.
Treatment received outside India unless covered by a global coverage add-on.
Expenses for non-prescribed medical equipment, prosthetics, or external medical aids.
Any injury or condition arising due to nuclear, biological, or chemical exposure.
Exclusions
Looking for a Specific Hospital ?
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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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.
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.
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