How does the waiting period affect my coverage?

A 30-day waiting period applies, except for accidents. Pre-existing conditions are covered after 36 months; specific illnesses require 24 months.

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

A No Claim Bonus increases your sum insured yearly, providing additional coverage without extra premiums, ensuring better financial security.

Does the GoDigit Health Care Plus Option 8 plan cover treatment abroad?

The plan covers treatment within India, but certain optional add-ons may provide limited emergency medical coverage abroad.

How can policyholders customize their cost-sharing parameters under this customizable plan structure?

The plan provides enhanced financial flexibility by allowing applicants to select a standard cost-sharing model or fully opt for a customized zero co-payment configuration, ensuring that the insurance company absorbs 100% of all admissible claim amounts.

Under what parameters can applicants adjust the policy waiting period timelines at the time of purchase?

The policy incorporates highly customizable initialization options that empower applicants to choose their preferred waiting intervals, allowing you to compress the initial illness waiting window down to an accelerated track of 15 days, 7 days, 2 days, or zero days.

OneAssure

Health Insurance

Digit

Health Care Plus Option 8 Plan

Godigit Health Care Plus Option 8 Plan

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

7.4

Customer Rating

Policy Policy Wording

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99%

Claim Settlement Ratio

6400+

Network Hospitals

7.4

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Digit Health Care Plus Option 8 Plan

Final Verdict

GoDigit Health Care Plus Option 8 offers extensive coverage with no room rent limits and a wide range of add-ons, including worldwide emergency and wellness benefits. It's designed for individuals and families seeking premium, comprehensive, and flexible health insurance solutions.

About

About Digit Health Care Plus Option 8 Plan

The GoDigit Health Care Plus Option 8 is a comprehensive health insurance plan offering extensive coverage for hospitalization, medical expenses, and advanced treatments. It includes pre- and post-hospitalization benefits, daycare procedures, and emergency ambulance services. The plan provides coverage for critical illnesses, organ donor expenses, and alternative treatments under AYUSH. With flexible sum insured options and no sub-limits on essential treatments, it ensures financial security. Designed for individuals and families, it offers cashless hospitalization across a vast network of healthcare providers.

The GoDigit Health Care Plus Option 8 is a comprehensive health insurance plan offering extensive coverage for hospitalization, medical expenses, and advanced treatments. It includes pre- and post-hospitalization benefits, daycare procedures, and emergency ambulance services. The plan provides coverage for critical illnesses, organ donor expenses, and alternative treatments under AYUSH. With flexible sum insured options and no sub-limits on essential treatments, it ensures financial security. Designed for individuals and families, it offers cashless hospitalization across...

Option 8 Plan Ratings

Ratings: Digit Option 8 Plan

Insurer Rating

7.63

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

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 Health Care Plus Option 8 Plan

Room Rent

Room Rent: Policyholders can choose their desired room rent limit at the time of policy purchase. If the actual room rent during hospitalization exceeds this chosen limit, the insurer's liability will be proportionately reduced.
ICU Charges: The plan covers ICU expenses without a specific daily limit, allowing for comprehensive financial protection during critical care.

Advanced Treatments

Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
Infertility Treatment: Coverage is provided up to 10% of the sum insured.

Co-payment

Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.
Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.

Cashless Healthcare Providers

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

Waiting Period

Initial Waiting Period: Options include no waiting period, 2 days, 7 days, 15 days, or 30 days.
Pre-existing Disease Waiting Period: Choices range from no waiting period to 1, 2, 3, or 4 years.
Specific Disease Waiting Period: Options are no waiting period, 1 year, or 2 years.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Room Rent

Room Rent: Policyholders can choose their desired room rent limit at the time of policy purchase. If the actual room rent during hospitalization exceeds this chosen limit, the insurer's liability will be proportionately reduced.
ICU Charges: The plan covers ICU expenses without a specific daily limit, allowing for comprehensive financial protection during critical care.

Advanced Treatments

Bariatric Surgery: Coverage ranges from 5% to 100% of the sum insured, depending on the policy terms.
Psychiatric Illness Treatment: Expenses are covered up to 100% of the sum insured, with a maximum limit of ₹1 lakh.
Infertility Treatment: Coverage is provided up to 10% of the sum insured.

Co-payment

Co-payment Clause: Certain plans may include a co-payment clause, requiring policyholders to pay a portion of medical expenses.
Zero Co-payment Option: Alternatively, the plan can be customized to have zero co-payment, meaning the insurer covers the full admissible claim amount without requiring the policyholder to share costs.

Exclusions

Pre-existing diseases are covered only after a 36-month waiting period.
Maternity expenses, including delivery and related complications, are excluded unless the optional Maternity Benefit is selected.
Outpatient treatments (OPD) are not covered unless the optional OPD Benefit is included in the policy.
Alternative treatments (AYUSH) are excluded unless the AYUSH Hospitalization cover is opted for.
Cosmetic or plastic surgery is not covered unless medically necessary due to injury or illness.

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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...