Arogya Sanjeevani Policy Go Digit
Digit
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers robotic surgeries, monoclonal antibody immunotherapy, and stem cell therapy up to 50% of the sum insured.
Room Rent (Normal & ICU)
Offers coverage up to ₹5,000 per day for normal rooms and ₹10,000 per day for ICU stays.
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Our Verdict
Go Digit Arogya Sanjeevani offers affordable health coverage with sum insured up to ₹2 crores, covering hospitalization, AYUSH, and pre/post-hospitalization. Ideal for individuals and families seeking standardized, cost-effective protection with a 5% co-payment.
About the Plan
The Go Digit Arogya Sanjeevani Policy offers comprehensive health coverage with sum insured options from ₹3 lakhs to ₹2 crores. It covers hospitalization, pre/post-hospitalization, day care treatments, and AYUSH treatments. A 5% co-payment applies to all claims. Waiting periods include 30 days for general illnesses, 24 months for specific diseases, and 48 months for pre-existing conditions. Benefits include lifelong renewability, cumulative bonuses, and a grace period for renewal. It’s an affordable, standardized plan ideal for individuals and families.
About the Plan
Product Stats
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Features of the Product
Cashless Healthcare Providers
Access to over 16,400 cashless network hospitals across India.
AYUSH Treatment
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital.
Daycare Treatment
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital.
Co-payment
5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.
Waiting Period
- Initial Waiting Period: 30 days (except for accident-related claims).
- Pre-existing Diseases: Covered after 36 months of continuous policy renewal.
- Specific Diseases: Certain illnesses have a 24-month waiting period, as specified in the policy.
Room Rent
- Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.
- ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.
- Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.
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 up to 50% of sum insured.
Exclusions
Any hospitalization or pre-hospitalisation expenses not related to the medical claim made will not be covered.
Obesity or weight control related surgeries not related to any co-morbidities will not be covered.
Change of gender treatments are not covered under this policy.
Cosmetic and plastic surgeries unless for reconstruction following an accident, cancer, or to remove a direct and immediate health risk are not covered.
The Arogya Sanjeevani Policy does not cover domiciliary care or OPD expenses.
Claims resulting from committing or attempting to commit a criminal act will not be covered.
Treatments due to substance abuse are not covered in the Arogya policy.
Medical expenses relating to participation in hazardous or adventure sports are excluded.
Maternity related expenses are not part of this policy.
Sterility and fertility treatments are not covered.
Treatments without a doctor’s recommendation or not necessitated medically will not be covered.
Exclusions
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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 grown into one of the fastest-growing insurance companies in India.
About the Company
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