Digit Health Care Plus Policy Silver Plan
Digit
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers modern medical procedures like robotic surgery, monoclonal antibody immunotherapy, and stem cell therapy, ensuring access to innovative healthcare solutions.
Room Rent (Normal & ICU)
Covers hospital room and ICU charges up to the sum insured, reducing financial burden during hospital stays.
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Policy Wording
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Our Verdict
Digit Health Care Plus Silver offers comprehensive coverage with maternity, organ donor expenses, and optional add-ons like loss of income and cumulative bonus protection. Ideal for individuals and families seeking flexible, customizable health insurance.
About the Plan
The Digit Health Care Plus Policy-Silver offers comprehensive coverage, including hospitalization, day care treatments, pre and post-hospitalization expenses, organ donor expenses, and AYUSH treatments. It covers maternity benefits, newborn care, infertility treatments, and road ambulance costs. Optional covers include loss of income, cumulative bonus protection, and daily cash for an insured child’s guardian. Available for individuals 18+ and dependent children (91 days+), the policy offers flexible tenures of 1, 2, or 3 years for customized health protection.
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 d. 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
First Year: 25% of the admissible claim amount.
First Renewal: 10% co-payment applies.
From Second Renewal Onwards: No co-payment, provided the policy is renewed continuously without a break.
Waiting Period
- A general waiting period of 30 days applies from policy inception, except for accidents.
- Pre-existing diseases are covered after 36 to 48 months, depending on the condition.
- Specific diseases have a 24-month waiting period, as detailed in the policy.
Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Daycare Treatment
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis. Treatment must be conducted in a recognized hospital or daycare center.
AYUSH Treatment
The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Exclusions
Conditions existing before policy inception are excluded during the waiting period.
Injuries resulting from intentional self-harm are not covered.
Medical issues arising from alcohol or drug abuse are excluded.
Treatments for aesthetic purposes without medical necessity are not covered.
Injuries due to war, riots, or nuclear hazards are excluded.
Expenses related to childbirth, miscarriage, abortion, and infertility treatments are not covered.
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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