Best Health Insurance Plans in Digit Insurance
Go digit General Insurance is a renowned non-life insurer in India that is backed by Fairfax Financial Holdings Limited. To make health insurance simple and facile, Go Digit General Insurance Ltd has launched various lucrative and intriguing health insurance plans for policyholders. Apart from health insurance, digit insurance also offers other insurance products including, car insurance, bike insurance, commercial insurance, shop insurance, and home insurance.
Some features & benefits of Digit Insurance
- After choosing the Go digit insurance policy, you will be eligible for a free medical check-up every year
- Digit health insurance encourages you both cashless and reimbursement claim processes
- Offers the coverage for the COVID-19 treatment
- Premiums paid for Go Digit health insurance policies qualify for tax deduction under Section 80D of the Income Tax Act.
6 Best Health Insurance Plans offered by Go Digit
Let’s take a look at various go digit health insurance plans for customers.
|
Plan |
Plan Basis | Sum Assured |
Policy Tenure |
| Digit Corona Kavach Policy | Individual and floater | Minimum: Rs.50,000 and maximum: Rs. 5 lakh | 3.5/6.5/9.5 months |
| Digit Corona Rakshak Policy | Individual | Minimum: Rs.50,000 and maximum: Rs. 2.5 lakh | 3.5/6.5/9.5 months |
| Digit Aarogya Sanjeevani Policy | Individual and floater | Minimum: Rs.50,000 and maximum: Rs. 3 Crore | 1 year |
| Digit Healthcare Plus Policy | Individual and floater | Minimum: Rs.10,000 and maximum: Rs. 3 Crore | 1, 2, 3 years |
| Digit Total Protect Policy | Individual and floater | Minimum: Rs.50,000 and maximum: Rs. 20 Crore | 1 year, 2 years, and 3 years |
| Digit Complete Care Policy | Individual and floater | variable | 1 year |
Digit Corona Kavach Policy
This policy is designed to bear all the costs due to the treatment of Covid-19 at a hospital or home care treatment.
Some unique features of this policy are,
- This policy is valid for up to 9.5 months and expires once you have initiated one claim
- This policy covers only COVID-19 related treatment and thus, benefits are limited as compared to normal health insurance policies
- No deducible under this policy
- This policy doesn’t encourage migration and portability
| Entry age | Minimum
Proposer: 18 years Dependent child: 1day Adult insured: 18 years Maximum Proposer: 65 years Dependent Child: 25 ears Adult insured: 65 days |
| The sum assured | Minimum: Rs.50,000 and maximum: Rs. 5 lakh |
| Policy term | 3.5/6.5/9.5 months |
| Homecare treatment | Up to 14 days |
| Waiting period | 15 days |
| Ambulance cover | Rs. 2000 |
| Pre-hospitalization expenses | Up to 15 days before hospitalization |
| Post-hospitalization expenses | Up to 30 days after hospitalization |
| Daily cash allowance | 0.5% of the sum assured |
Digit Corona Rakshak Policy
This single premium health insurance plan will help you to receive 100% sum assured in a lump sum if you have tested positive and need hospitalization for more than 72 hrs.
Some unique features of this policy are,
- No family floater plans are available under this policy
- The validity of this policy is between 3.5 months-9.5 months and expires once you have initiated one claim
- This policy covers only COVID-19 related treatment
- This policy doesn’t encourage migration and portability
| Entry age | Minimum
Proposer: 18 years Maximum Proposer: 65 years
|
| The sum assured | Minimum: Rs.50,000 and maximum: Rs. 2.5 lakh |
| Policy term | 3.5/6.5/9.5 months |
| Homecare treatment | Up to 14 days |
| Waiting period | 15 days |
| Ambulance cover | Rs. 2000 |
| Pre-hospitalization expenses | Up to 15 days before hospitalization |
| Post-hospitalization expenses | Up to 30 days after hospitalization |
| AYUSH treatment cover | Covers all treatment expenses for COVID-19 positive patients in any government authorized AYUSH hospital |
Digit Arogya Sanjeevani Policy
Digit Arogya Sanjeevani policy is the latest plan of Go Digit Health Insurance. The prime objective of this go digit medical insurance is to offer basic healthcare coverage to the policyholders as well as their family members.
Some unique features of this plan are,
- This policy offers customized sum assured amount based on your requirements
- This policy covers pandemics like COVID-19
- With this health insurance Digit policy, you will be eligible for a yearly cumulative bonus for claim-free years
- The insured policy members are free to migrate from this digit insurance health policy to an individual health insurance policy or a family floater policy offered by our company
| Entry age | Minimum
Proposer: 18 years Dependent child: 3 months Adult insured: 18 years Proposer: 65 years Dependent Child: 25 ears Adult insured: 65 days |
| The sum assured | Minimum: Rs.50,000 and maximum: Rs. 3 Crore |
| Policy term | 1, year |
| Homecare treatment | Up to 14 days |
| Waiting period | 48 months for pre-existing diseases |
| Pre-hospitalization expenses | Up to 30 days before hospitalization |
| Post-hospitalization expenses | Up to 60 days after hospitalization |
| ICU charges | Up to Rs.10,000 |
| Cataract Treatment | up to ₹40,000 or 25% of the total sum insured |
Digit Healthcare Plus Plan
The policy plan comes with an array of benefits and interesting features to meet all medical care needs and expectations of everyone.
Some unique features are,
- This policy offers a variable sum assured to policyholders
- This policy offers no age-based co-payment
- After your initial waiting period, this policy offers cancer coverage to policyholders
- This digit health insurance with maternity cover policy offers maternity benefits and new-born baby cover
- This policy also offers complimentary health check-ups
| Entry age | Minimum
For hospitalization cover: 18 years Critical illness cover: 18 years Maximum For Hospitalization cover: No limit Critical illness cover: 65 years |
| The sum assured | Minimum: Rs.10,000 and maximum: Rs. 3Crore |
| Policy term | 1, 2, 3 years |
| Homecare treatment | Up to 14 days |
| Waiting period | 48 months for pre-existing diseases |
| Ambulance cover | Rs. 2000 |
| Pre-hospitalization expenses | Up to 30 days before hospitalization |
| Post-hospitalization expenses | Up to 60 days after hospitalization |
| ICU charges | Up to Rs.10,000 |
| Organ transplantation | 5% of the total sum insured |
Digit Total Protect Policy
This policy is specially designed to protect you and your loved ones from loss of income if you are injured for a long period or die due to an unfortunate accident. This healthcare policy owns 27 sections that cover you for various medical expenditures in the case of an accident or hospitalization.
Some unique features are,
- This policy will pay 100% of the sum assured if in case the insured dies due to an accident.
- This policy offers permanent and partial disability benefit
- If you are injured due to an accident, this policy will offer you the loss of income benefit
- This policy compensates for child marriage and education
- If you suffered from an accidental bodily injury, this policy compensates for OPD treatment if it is taken from a medical practitioner
| Entry age | Minimum
For accidental Proposer: 18 years Dependent child: 3 months Adult insured: 18 years For critical illness Proposer: 18 years Dependent Child: 181 days Adult insured: 18 years Maximum For accidental, Proposer: No limit Dependent Child: No limit Adult insured: No limit For critical illness Proposer: 85 years Dependent child: NA Adult insured: 85 years |
| The sum assured | Minimum: Rs.50,000 and maximum: Rs. 20 Crore |
| Policy term | 1, 2, 3 years |
| Lifestyle modification coverage | From Rs.5000 to Rs. 1 crore |
| Waiting period | 48 months for pre-existing diseases |
| Accidental death | The minimum sum assured is Rs.5000 and it is a maximum of up to Rs.20 Crore.
|
| Pre-hospitalization expenses | Up to 30 days before hospitalization |
| Post-hospitalization expenses | Up to 60 days after hospitalization |
| Hospital cash | Rs. 100- Rs. 5000 |
| Critical illness | from Rs.5000 to Rs. 3.5 Crore |
| Other expenses | Child marriage and education, funeral expenses, trauma counselling, burn cover, HIV coverage, and modern treatment procedure |
Digit Complete Care Policy
This policy was introduced by Digit-Life Insurance to offer coverage against various healthcare expenses including, hospitalization, ambulance, daycare procedures, and so on. With this policy plan, policyholders can enjoy protection against any loss related to the building and its contents.
Some unique features are,
- This policy offers a variable sum assured as per the need of the policyholders.
- This policy offers personal belonging protection (Burglary, robbery and Accidental Damage cover).
- This policy offers legal assistance cover.
- This policy comes with a 15-day free look period.
| Entry age | Minimum: 1 year
Maximum: 60 years |
| The sum assured | Variable |
| Policy term | 1 year |
| Homecare treatment | Up to 14 days |
| Hospital cash | Twice a day if you are in ICU |
| OPD charges | Covers OPD expenses up to sum assured |
| Pre-hospitalization expenses | Up to 30 days before hospitalization |
| Post-hospitalization expenses | Up to 60 days after hospitalization |
| Other protection coverage | Personal belonging, building & content protection, legal assistance coverage |
| AYUSH treatment | If done in certified hospitals of Ayurveda, Unani, Siddha, and/or Homeopathy.
|
These are the top-most health insurance plans of Digit Insurance.
The Go Digit Mediclaim policy is also simpler and facile. The insurance company permits both cashless (more than 6400 network hospitals) and reimbursement claim processes to policyholders.
Digit Health Insurance always welcomes its policyholders with ample healthcare plans. Based on your financial condition and requirements, you must choose the best health insurance plan that goes well with your needs. You can go through iiflinsurance.com and choose the most suitable one by comparing all health insurance plans.
