How does the waiting period affect my coverage?

A 30-day general waiting period applies, with pre-existing conditions covered after 48 months and specific illnesses after up to 24 months.

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

You earn a No Claim Bonus (NCB), increasing your sum insured without extra premium costs for each claim-free year.

Does the plan cover treatment abroad?

Standard coverage is limited to India, but optional add-ons may provide limited international treatment benefits for medical emergencies.

How does the unlimited restoration benefit work in this plan?

Unlimited restoration refills sum insured after each claim, without limits.

What is the claim settlement ratio for Digit Infinity Wallet Plan?

The Digit Infinity Wallet Plan has a claim settlement ratio of 94.23%

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Health Insurance

Digit

Health Care Plus Infinity Wallet

Digit Infinity 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.

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Claim Settlement Ratio

9400

Network Hospitals

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Customer Rating

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99

Claim Settlement Ratio

9400

Network Hospitals

0

Customer Rating

Brochure

Our Verdict

Expert Review: Digit Health Insurance

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Final Verdict

The Digit Health Care Plus Infinity Wallet plan offers unlimited restoration, global coverage, and maternity benefits. Ideal for families and individuals seeking extensive, flexible coverage with no room rent limits or co-payments.

About

About Digit Health Insurance

The Digit Health Care Plus Policy – Infinity Wallet is a comprehensive health insurance plan designed to provide extensive coverage for various medical needs. It offers unlimited restoration benefits, ensuring your sum insured is reinstated multiple times during the policy period if exhausted due to claims. Policyholders benefit from a 50% no-claim bonus for each claim-free year, enhancing their coverage over time. The plan includes an in-built personal accident cover of ₹1,00,000, providing financial support in case of accidental death. Notably, there are no room rent limits or co-payment requirements, allowing for flexible and hassle-free hospitalization experiences.

The Digit Health Care Plus Policy – Infinity Wallet is a comprehensive health insurance plan designed to provide extensive coverage for various medical needs. It offers unlimited restoration benefits, ensuring your sum insured is reinstated multiple times during the policy period if exhausted due to claims. Policyholders benefit from a 50% no-claim bonus for each claim-free year, enhancing their coverage over time. The plan includes an in-built personal accident cover of ₹1,00,000, providing financial support...

Inclusions and Exclusions

Inclusions and Exclusions of Digit Insurance Company Limited

Room Rent

The Digit Health Care Plus Policy – Infinity Wallet offers unlimited 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..

Co-payment

The Digit Health Care Plus Policy – Infinity Wallet is designed with no mandatory co-payment, meaning the insurer covers the entire cost of treatment up to 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.

Room Rent

The Digit Health Care Plus Policy – Infinity Wallet offers unlimited 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..

Co-payment

The Digit Health Care Plus Policy – Infinity Wallet is designed with no mandatory co-payment, meaning the insurer covers the entire cost of treatment up to the sum insured.

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Exclusions

Pre-existing diseases during the waiting period.
Injuries or illnesses caused by self-inflicted harm or suicide attempts.
Treatments related to drug abuse, alcohol consumption, or substance misuse.
Cosmetic or plastic surgeries unless medically necessary.
Dental treatment unless required due to an accident.
Infertility treatments, IVF, and surrogacy-related expenses.
Injuries sustained during adventure sports or hazardous activities.
War, terrorism, or nuclear exposure-related injuries.

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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.