How does the waiting period affect my coverage?

Go Digit Health Care Plus Option 4 offers customizable waiting periods for pre-existing conditions, ranging from 2 to 4 years.

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

This policy provides a No Claim Discount add-on, rewarding policyholders with a discount on premiums for claim-free years.

Will my health insurance cover treatment abroad?

International treatment is covered only if the optional worldwide coverage add-on is selected.

Are alternative treatments like Ayurveda or Homeopathy covered?

Yes, Digit Health Care Plus Policy does cover inpatient treatment under AYUSH (Ayurveda, Unani, Siddha & Homeopathy) when hospitalized in a recognized AYUSH hospital.

How does the unique time-linked co-payment structure eliminate out-of-pocket sharing over consecutive renewals?

The policy incorporates a graduated cost-sharing structure that applies a mandatory 25% co-payment in the first year and reduces it to 10% during the first renewal, before completely eliminating all out-of-pocket claim sharing from the second continuous renewal onwards.

What modular customization choices are available to enhance baseline protection limits under this option?

The plan provides an adjustable insurance framework that empowers policyholders to integrate optional benefits—including dedicated maternity cover, critical illness cover, and worldwide medical protection—into their core policy layout for an additional premium payment.

OneAssure

Health Insurance

Digit

Health Care Plus Option 4

Digit Health Care Plus Option 4

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

7.2

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

99

Claim Settlement Ratio

6400

Network Hospitals

7.2

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Digit Health Insurance

Final 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

About Digit Health Insurance

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.

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 Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured
ICU: 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

Cashless Healthcare Providers

Access to over 11,300 cashless network hospitals across India.

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

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.

Room Rent

Normal: Covered up to Sum Insured
ICU: 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

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

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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...