Digit Health Care Plus Policy Plan
Digit
7.2/10
OneAssure Rating
7.2/10
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.
Brochure
Policy Wording
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Our Verdict
GoDigit Health Care Plus Option 4 offers comprehensive medical coverage with optional maternity, critical illness, and worldwide benefits. Ideal for individuals and families seeking customizable, extensive healthcare protection with valuable add-ons.
About the Plan
The GoDigit Health Care Plus Option 4 is a health insurance plan offered by Go Digit General Insurance Limited. This plan provides comprehensive medical coverage, including inpatient hospitalization, pre and post-hospitalization expenses, and day care procedures. It also offers optional benefits such as maternity cover, critical illness cover, and worldwide coverage. Policyholders can customize their coverage by selecting from various sum insured options and add-ons to suit their healthcare needs.
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
- 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
Pre-existing conditions unless disclosed and accepted by the insurer
Intentional self-injury, suicide, or attempted suicide
Conditions arising from alcohol, drug, or intoxicant misuse
Injuries or illnesses resulting from war, invasion, or military actions
Cosmetic or aesthetic procedures unless medically necessary due to an accident
Treatment for infertility, in vitro fertilization, or assisted conception procedures
Expenses related to participation in hazardous activities or adventure sports
Experimental, unproven, or alternative treatments unless explicitly covered
Medical expenses for non-allopathic treatments unless specified in the policy
Treatments related to weight control, obesity, or dietary supplements
Congenital external diseases, anomalies, or defects
Charges for hospitalization solely for diagnostic purposes without active treatment
Treatment received outside India unless covered by a global coverage add-on
Expenses for non-prescribed medical equipment, prosthetics, or external medical aids
Any injury or condition arising due to nuclear, biological, or chemical exposure
Exclusions
Related Variants
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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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