Digit Health Insurance

Highlights

Claim Settlement Ratio	93%
Network Hospitals	11,300+
PED Coverage Starting From	2 year
Pre-existing Disease Coverage From	2 year
Presence	Across the country
Special Benefits	Multiple Discounts such as Credit Score for Good health

Founded by Kamesh Goyal and backed by the supportive Fairfax Group, Digit Insurance started its operations in 2016. The insurance provider functions with a unique goal to make insurance so simple that even a 15-year-old could understand it.

Since its inception, Digit envisioned a complete transformation of insurance products and processes. Their approach was to go back to the basics, remove the complexities, and build insurance solutions that are not only simple but also transparent and meaningful to people.

With impressive performance through the years, the company won the title of India's First Unicorn in 2021. Offering a diverse range of health insurance plans, some of the top health insurance products by Digit include Indemnity Health Insurance, Diabetes Health Insurance, Health Insurance for Parents, etc. [1]

About Digit Health Insurance

If you're in search of the best health insurance policy at an affordable price, then Digit health insurance is the clear choice for you. It's a premium health insurance company with attractive features, making it the number one pick. Opting for Digit health insurance is a smart move, given its popularity in India with over two crores of people relying on it.

With Digit Health Insurance Company Plans, you gain access to more than 16,400 network hospitals, providing convenience for you and your family. The entire process, from purchasing health insurance coverage to filing claims, is paperless, simple, quick, and straightforward. In short, Digit offers a user-friendly online health insurance process that will suit your needs.

Key Features

Some of the top key features of Digit medical insurance are listed below:

No Room Rent Capping: With Digit health insurance, you won't face restrictions on room rent. This implies that you will have the flexibility to choose the room you need during your hospital stay.
No Co-payment: You won't have to share the medical expenses with Digit as the company comes with no age-based or zone-based copayment. This makes healthcare more affordable for Digit's policyholders.
Inbuilt Personal Accident Cover: Digit includes a personal accident cover in your health insurance plan that provides extra financial support in case of accidents.
Bariatric Surgery Coverage: If you require bariatric surgery for weight-related issues, Digit health insurance has got you covered as the insurer provides Bariatric Surgery coverage which is one of the exclusions in most health insurance plans by other insurers.
Psychiatric Illness Coverage: Digit health insurance extends its support to cover psychiatric illnesses, which acknowledges the importance of mental health in your overall well-being.
Worldwide Treatment Coverage: With Digit, you're not confined to getting treatments within your country but the company also covers medical expenses for treatments worldwide. This will give you peace of mind wherever you are.

Health Insurance Calculator

Whom do you want the insurance for ?

You

Couple

Family

Father

Mother

Select the age of all members

You
Select Age

Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 Lac

10 Lac

25 Lac

Select Coverage

Disclaimer : Actual Premium might vary basis your location, age and number of members

Key Metrics

The table below highlights the Digit’s key metrics:

Key Metrics	Data
Claim Settlement Ratio (FY 2022)	93%
Solvency Ratio (March 2023)	1.78
Launch Year	2016

*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [2]

Eligibility To Purchase Digit Health Insurance Plan

Here are the eligibility criteria to purchase Digit medical insurance plans and policies:

1. Age

People aged between 18 and 65 can apply for the insurance. However, depending on the chosen plan, the maximum age limit can be 60.

2. Waiting Period

There is an initial waiting period of 15 to 30 days after the policy starts. The waiting period can differ depending on the policy you opt for.

Top Plans Offered by Digit Health Insurance

Below are the top health insurance plans offered by Digit:

Plans	Plan Type	Sum Insured	Ideally Suited For
Double Wallet	Individual or Family Floater	Rs. 5 Lakhs to Rs. 1 Crore	Family
Infinity Plan	Individual or Family Floater	Rs. 5 Lakhs to Rs. 1 Crore	Family
Worldwide Treatment Plan	Individual or Family Floater	Rs. 5 Lakhs to Rs. 1 Crore	Family

Riders Offered By Digit Health Insurance

Consumables Cover is the only rider or add-on offered by Digit health insurance. Have a look at what it covers:

Consumables Cover: Throughout the entire process, including before, during, and after hospitalisation, various medical aids and expenses like walking aids, crepe bandages, belts, etc., require financial attention. This coverage addresses these expenses that are typically not covered by the policy.

*Kindly note that you can include a rider in your plan by paying an extra premium. The specific riders available may vary based on the plan you select.

How To Purchase Digit Health Insurance Policy?

You have the choice of buying Digit medical insurance plans either through InsuranceDekho or the insurer's website:

Purchase Digit Health Insurance Policy From Insurer’s Website

Follow the steps below to buy any of the Digit health insurance policies directly through the insurer's website:

Step 1: In the designated space on Digit's health insurance page [4], enter your PIN code and mobile number.

Step 2: On the subsequent page, provide details of the family members you want insurance for, considering the age of the eldest member, and then customise your plan.

Step 3: Select your desired Sum Insured, Plan, and any additional benefits, such as consumables cover.

Step 4: Enter accurate details for yourself and your family members.

Step 5: Based on your chosen options, receive the annual premium amount, make the payment, and submit your KYC.

You will instantly get your Digit health policy issued.

Documents Required for Purchasing Your Policy

You must provide the following documents when purchasing a GoDigit medical policy:

A copy of the Proposal Form or OTP Verification
For age verification, submit a Voter ID, PAN card, Aadhaar Card, Driver's License, or Passport
Proof of address, including Ration card, Driver's Licence, Passport, Rent agreement (if applicable), PAN Card, Aadhaar Card, or Utility Bills
Passport-size Photographs
Medical Reports

How to Claim Your Health Insurance?

Digit Health Insurance offers a Cashless Everywhere feature, allowing policyholders to choose cashless treatments at any hospital, even those outside the network. To avail of this, certain conditions must be met.

For planned treatments at non-network hospitals, notify Digit 48 hours before admission. In emergencies requiring immediate hospitalisation at a non-network hospital, inform Digit within 48 hours of admission.

Note: Approval for non-network cashless treatment depends on policy terms, conditions, and hospital agreements. Also, some hospitals are not part of the Digit Health Insurance network. Check the excluded hospitals list here [5].

Awards and Achievement of Digit Health Insurance

Digital Insurer of the Year: Asia Insurance Review - 2021
Most Innovative General InsurTech Company: Brand Awards 2021 (Global Brands Magazine)
IFTA 2021 Award for Excellence in InsurTech: IFTA - 2021
SKOCH Gold Award for Innovating India’s First COVID-19 Cover 2021
General Insurance Company of the Year: 24th Asia Insurance Industry Awards - 2020
Asia's Best General Insurance Company of the Year: Asia Insurance Review - 2019
Best General Insurance Company: CMO Confluence & Corporate Awards - 2019 [6]

Digit Health Insurance - Customer Service & Support

Reach out to Digit Health Insurance customer support [7] through the following channels:

Call: 1800-103-4448
Email: hello@godigit.com
WhatsApp: 70260 61234 (Note: This number is for chat only, not for calls)
Download the Digit app on iOS and Android devices for assistance.

For additional support, you can contact the InsuranceDekho Customer Support team at any of the following contact points: [8]

Call: +91-755 1196 989
Email: support@insurancedekho.com

Complaints & Grievance Redressal

Digit Health Insurance places a high priority on ensuring your peace of mind and is committed to resolving any concerns you might encounter. If you have a grievance or you are dissatisfied with the decision or resolution or have not received a response within 15 days, you have the option to escalate the matter to our Grievance Redressal Officer, Mr. Praveen Bhat, via email at grievance@godigit.com or by mail at Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095. [9]

Not only this, but InsuranceDekho is also available to assist you with any complaints. Contact our Grievance Redressal Officer, Mr. Rohit Khurana, at grievance@insurancedekho.com. If the issue persists, you can report it to the Principal Officer at PO_GIBPL@girnarinsurance.com. Visit our Grievance Redressal page for more information [10].

https://www.godigit.com/about
https://irdai.gov.in/web/guest/document-detail?documentId=4273788
https://www.insurancedekho.com/health-insurance
https://www.godigit.com/health-insurance
https://www.godigit.com/health-insurance/digit-cashless-network-hospitals-list/non-preferred-hospitals
https://www.godigit.com/reviews/digit-health-insurance-reviews
https://www.godigit.com/contact
https://www.insurancedekho.com/contact-us
https://www.godigit.com/claim/grievance-redressal-procedure?utm_source=digit_mobileapp&utm_source=digit_mobileapp&platform=android
https://www.insurancedekho.com/grievance-redressal

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FAQs

How to buy and apply for a Go Digit health insurance policy?
You can buy and apply for any Go Digit General Insurance Policy online from its official website or through an online broker like InsuranceDekho.
Why should I buy a health insurance policy from Go Digit General Insurance Company?
Go Digit General Insurance Policy is an ideal choice for both, individuals and families who want to make an investment in health insurance without breaking their bank. Trusted by 30 lakh Indians, the health insurance policies of Go Digit come with customer-friendly operations, super-fast claim process, killer prices, and extensive coverage benefits including critical illness cover and maternity benefit. The best thing is that everything is available online. You don’t need to visit any of its offices to submit documents or to understand the policy terms and conditions.
What is the toll-free number of Go Digit General Insurance Company?
The toll-free number of Go Digit General Insurance Company is 1800-258-5956.
Is medical health check-up free at Go Digit General Insurance Company?
Yes, medical health check-up is provided if you renew the policy with the insurer without a break. Go Digit Health Insurance pays the costs of health check-up up to the specified sum insured mentioned in your policy document.
Is there outpatient (OPD) benefit under the policy of Go Digit General Insurance Company?
Yes, the Go Digit General Insurance Company covers expenses like health check-ups, doctor’s consultation fees, pharmacy bills, diagnostic tests, dental treatment, etc. even when you are not hospitalised.

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User Reviews

4.5

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200 User reviews

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What users are saying

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Helped select the best plan
Go Digit Health has impressed me with its transparent policies and affordable rates. The InsuranceDekho portal made it simple for me to browse through their options and select the ideal plan. They place a great priority on client pleasure, and their support team is always quick to respond and helpful. I'm sure that Go Digit Health has adequate coverage for any unanticipated medical costs.
Read More
T
Digit
By Tushar R. Kumar
On: Jun 27, 2024
Customer service was great
I had no trouble at all finding the ideal GoDigit Health Insurance plan thanks to InsuranceDekho. The user interface was easy to use, and the customer service was first-rate throughout the entire transaction. I had no trouble comparing and choosing the best plan. Overall, it was a wonderful experience.
Read More
C
Digit
By Chhavi Malhotra
On: Jun 20, 2024
Purchasing made easy
Using InsuranceDekho to purchase Go Digit was a snap. Their customer service was excellent, providing me with detailed information and support at every step. I could easily compare plans and choose the one that best suited my requirements. The entire process was smooth and efficient, making it a hassle-free experience.
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C
Digit
By Chinki Yadav
On: Jun 19, 2024
Getting insurance made easy
Purchasing health insurance was made simple by Insurancedekho! After a few quick inquiries, I was matched with a Go Digit Health Insurance that was ideal for both my needs and my budget. I no longer have to worry about becoming broke going to the doctor.
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K
Digit
By Keshav Singh
On: Jun 03, 2024
Made the process of choosing i...
InsuranceDekho saved me so much time and hassle! Instead of spending hours researching different insurance options, I just went to their website and found everything I needed. It's like having a personal insurance advisor at your fingertips. Buying the GoDigit health insurance saved me trouble.
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T
Digit
By Tia Mishra
On: May 28, 2024