Godigit Health Care Plus Option 3 Plan
Digit
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.
Advanced Treatments
Covers cutting-edge procedures like robotic surgery, stem cell therapy, deep brain stimulation, and monoclonal antibody immunotherapy under specialized insurance plans.
Policy Wording
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Our Verdict
GoDigit Health Care Plus Option 3 offers comprehensive coverage with a high sum insured, including modern treatments and cashless hospitalization. Add-ons like maternity and critical illness enhance its value, making it a strong choice for individuals and families seeking robust, customizable health protection.
About the Plan
The GoDigit Health Care Plus Option 3 is a comprehensive health insurance plan designed to provide extensive medical coverage. It includes hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and ambulance services. The plan offers a high sum insured with flexible options, ensuring financial security during medical emergencies. It also covers advanced treatments, critical illnesses, and cashless hospitalization at a vast network of hospitals. With affordable premiums and add-on options, this plan is ideal for individuals and families seeking enhanced healthcare protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Room Rent and ICU Charges: There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.
Co-payment
No Age or Zone-Based Co-payment: Policyholders are not required to share costs based on their age or geographical location.
Higher Zone Treatment Co-payment: If treatment is received in a higher medical zone than the insured's designated zone, a co-payment of 10-20% applies.
Voluntary Co-payment: Policyholders can opt for a voluntary co-payment, agreeing to pay a predetermined percentage of claim amounts, which can reduce premium costs.
Waiting Periods
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Cashless Healthcare Providers
Access to over 11,300 cashless network hospitals across India.
Day Care Treatments
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
Pre-existing diseases are excluded until the specified waiting period is completed.
Certain conditions like cataract, hernia, psychiatric illnesses, joint replacement, and bariatric surgery have a designated waiting period.
Any disease contracted within the first 30 days from policy commencement is not covered, except for accidental injuries.
Hospital admissions primarily for diagnostic purposes without treatment are excluded.
Expenses related to enforced bed rest, rehabilitation, or respite care are not covered.
Treatment for obesity or weight control is excluded unless specified otherwise.
Expenses for gender transition procedures are not covered.
Cosmetic or plastic surgery aimed at enhancing appearance is excluded unless medically necessary due to an accident or injury.
Pregnancy, childbirth, miscarriage, and abortion-related expenses are generally excluded unless covered under a specific add-on.
Costs associated with life support when declared medically futile are not covered.
Treatment resulting from self-inflicted injuries, suicide, or attempted suicide is excluded.
Circumcision is not covered unless necessary for treatment of a disease or due to an accident.
External congenital anomalies or defects are excluded.
Hospital admissions without active treatment or which could have been treated on an outpatient basis are excluded.
Non-medical expenses, such as administrative charges, are not covered.
Exclusions
Maternity Cover - Provides coverage for expenses related to pregnancy and childbirth, including prenatal and postnatal care. Some plans also extend coverage to the newborn baby for a specified period.
Hospital Cash Cover - Offers a daily cash allowance during hospitalization to cover incidental expenses not typically included in standard health insurance, such as transportation and meals. This benefit is applicable for hospital stays exceeding 24 hours.
Critical Illness Cover - Provides a lump-sum payment upon diagnosis of specified critical illnesses, regardless of actual treatment costs. This financial support can be used at the policyholder's discretion, aiding in managing additional expenses during challenging times.
Personal Accident Cover - Extends financial protection against accidental injuries, covering scenarios like partial or permanent disability, and accidental death. In the event of the policyholder's accidental death, a lump-sum amount is paid to the nominee.
Zone Upgrade - Allows policyholders to receive treatment in higher medical expense zones without incurring additional out-of-pocket costs. This add-on adjusts the coverage to account for regional variations in medical costs, ensuring comprehensive protection across different locations.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Digit Insurance is a leading Indian general insurance provider revolutionizing the industry with simple, technology-driven solutions. Offering diverse products like car, bike, health, and travel insurance, it ensures transparency and convenience. Committed to customer satisfaction, Digit simplifies claims processes and delivers innovative coverage tailored to modern needs, making insurance hassle-free.
Founded in 2016, Digit Insurance is based in Bengaluru, India, with Jasleen Kohli serving as its CEO and Managing Director.
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