How does the waiting period affect my coverage?

30-day initial wait; pre-existing diseases covered after 36 months; specific illnesses after 24 months.

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

Sum insured increases by 5% per claim-free year, up to a maximum of 50%.

Will my health insurance cover treatment abroad?

Not covered; the policy provides coverage only for medical treatments within India.

How to purchase the Arogya Sanjeevani Policy GO Digit online?

Visit website or Go to https://www.godigit.com/health-insurance/arogya-sanjeevani-policy., select plan, enter details, review, pay, receive policy.

Under what specific zone parameters does a mandatory co-payment layer apply to medical treatments?

The policy enforces a mandatory 20% co-payment structure specifically for treatments undergone within designated Zone 2 regions; however, applicants can voluntarily opt for a continuous 10% or 20% cost-sharing layer to restructure their baseline layout

What impact do voluntary cost-sharing selections have on the baseline sum insured under this policy?

The plan incorporates a protected protection clause ensuring that choosing an optional 10% or 20% co-payment configuration purely alters your premium layout without causing any subsequent reduction to your core sum insured.

OneAssure

Health Insurance

Digit

Arogya Sanjeevani

Arogya Sanjeevani Policy Go Digit

Experience India's most trusted health insurance with Digit Health Insurance. Get instant cashless treatment at 6400 network hospitals with sum insured up to ₹50 lakhs.

99

Claim Settlement Ratio

6400

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

99

Claim Settlement Ratio

6400

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Digit Arogya Sanjeevani

Final 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

About Digit Arogya Sanjeevani

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.

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...

Arogya Sanjeevani Ratings

Ratings: Digit Arogya Sanjeevani

Insurer Rating

7.63

out of 10

Insurance Rating

1

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Digit Arogya Sanjeevani

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.

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.

Cashless Healthcare Providers

Access to over 16,400 cashless network hospitals across India.

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.

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.

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.

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.

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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...

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...