Digit Health Care Plus Policy Gold Plan
Digit
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.
Advanced Treatments
Covers cutting-edge procedures like robotic surgery, stem cell therapy, deep brain stimulation, and monoclonal antibody immunotherapy under specialized insurance plans.
Brochure
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Our Verdict
The Digit Health Care Plus Policy-Gold offers extensive coverage with no room rent caps, global emergency support, and maternity benefits. Ideal for families seeking comprehensive health protection and flexibility in healthcare options.
About the Plan
The Digit Health Care Plus Policy-Gold is a comprehensive health insurance plan offering extensive coverage to policyholders. It includes hospitalization expenses, critical illness coverage, maternity benefits, and outpatient department (OPD) expenses. Notably, there are no room rent capping or co-payment requirements, providing flexibility during hospital stays. The plan also covers psychiatric illnesses and offers worldwide treatment coverage, ensuring global medical support. Policyholders benefit from a network of over 16,400 cashless hospitals and a claim settlement ratio of 97%, ensuring accessible and reliable healthcare services.
About the Plan
Product Stats
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Features of the Product
Co-payment
The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no age-based or zone-based co-payment requirements.
Room Rent
The Digit Health Care Plus Policy – Gold offers comprehensive coverage with no specific caps on room rent and ICU charges.
Advanced Treatments
- Bariatric Surgery: Addresses obesity-related health issues; coverage options range from 5% to 100% of the sum insured.
- Psychiatric Illness Treatment: Offers mental health support with coverage up to ₹1 lakh, depending on the chosen sum insured percentage.
- Infertility Treatment: Provides financial assistance for fertility procedures, covering up to 10% of the sum insured.
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.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Exclusions
Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for self-inflicted injuries or suicide attempts is excluded.
Expenses due to alcohol, drug, or other intoxicant abuse are not covered.
Injuries arising from participation in hazardous or adventure sports are excluded.
Cosmetic or plastic surgery, unless medically necessary due to an injury, is not covered.
Surgical treatments for obesity or weight control are excluded unless meeting specific medical criteria.
Treatments related to gender transition or reassignment are not covered.
Expenses for unproven, experimental, or alternative treatments are excluded.
Routine dental and vision care, unless required due to an accident, is not covered.
Injuries or illnesses caused by war, acts of terrorism, or nuclear exposure are 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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