GO Digit Health Insurance
Go Digit Health Insurance is provided by Go Digit General Insurance Limited, a startup that began in 2016 with support from Fairfax Financial Holdings in Canada. Their health insurance plans cover a wide range of medical expenses for both individuals and families.
The company offers a simple and easy claim process, making it hassle-free for policyholders to file claims. In the financial year 2022-23, Go Digit achieved a 96.83% claim settlement ratio in health insurance, showing their reliability in settling claims.
Key Highlights of Digit Health Insurance
| Criteria | Features |
|---|---|
| Founded In | 2016 |
| Claim Paid in 3 Months* | 96.83% |
| Cashless Hospitals | 16400+ |
| Premium Starting at | Rs. 276 per month* |
| Sum Insured | Up to Rs. 1 Cr |
| Pre-Existing Coverage | Covered after 3 years |
| No. of Plans | 5 |
Top Plans Offered By Go Digit Health Insurance
1Digit Health Insurance Plan
This plan helps pay for many types of medical costs. It covers hospital stays, treatments at home, and surgeries. You can choose how much coverage you need, from ₹2 lakh to ₹3 crore.
Features & Benefits:
- Covers hospital stays and treatment at home
- Includes bariatric surgery, daycare, and mental health treatment
- Personal accident and worldwide coverage included
- Maternity, newborn care, and emergency air ambulance covered
- Free health check-ups and bonus for no claims
- Optional: faster coverage, discounts, AYUSH treatments, and more
2Digit Complete Care Plan
This plan pays for all medical costs if you get hurt in an accident. It covers hospital stays, ambulance fees, and more, so you don’t have to worry about money. It also gives extra protection for accidents.
Features & Benefits:
- Covers accidental death and disability
- Pays for hospital stays, daycare, and ambulance
- OPD and daily hospital cash included
- Double cash for ICU stays
- Covers extra hospital-related costs
3Digit Total Protect Plan
This is an accident insurance plan that covers many accident-related problems. It pays for hospital stays, and disabilities, and even helps with money for lost income, children’s education, and funeral costs. You can get up to ₹20 crore coverage.
Features & Benefits:
- Covers accidental death, disability, and hospitalization
- Helps with loss of income, child’s education, and marriage
- Pays for transport, funerals, and trauma counseling
- Covers fractures, burns, coma, and adventure sports
- Includes critical illness, HIV, and miscarriage due to accidents
- Worldwide coverage, EMI protection, and lifestyle support
- Bonus for every claim-free year
4Digit Health Plus Plan
This plan pays for medical costs from both sickness and accidents. It covers hospital stays, maternity care, and serious illnesses. You can choose the benefits you need.
Features & Benefits:
- Covers daycare, pre/post-hospital expenses, and ambulance
- OPD, dental treatment, and second opinions included
- Covers mental health, bariatric surgery, and AYUSH treatments
- Maternity, newborn, and infertility treatments are covered
- Critical illness and cancer treatments included
- Free health check-ups after claim-free years
- 100% sum insured refill and bonus for no claims
5Digit Health Care Plus Plan
This plan covers many medical expenses, including hospital stays, doctor visits, and emergency transport. It also covers serious illnesses. You can choose a deductible to lower your premium.
Features & Benefits:
- Covers hospital stays, home treatment, and OPD visits
- Emergency road and air ambulances covered
- Maternity, infertility, and newborn care included
- Critical illness and cancer treatments are covered
- Daily hospital and long-stay cash benefits
- Free health check-ups and sum insured refill benefits
- Bonus for no claims and optional co-payment at network hospitals
Who Can Buy Digit Health Insurance?
The rules for who can buy Digit health insurance plans include the following:
1Age
The age group that is allowed to purchase insurance must be between 18 and 65 years. Some plans have an age limit of 60 years.
2Waiting Period.
After you buy the policy, there is a waiting time of 15 to 30 days before you can use it. The waiting time depends on the plan you choose.
Why Should You Buy Digit Health Insurance Plans?
Here are some simple reasons to choose Digit health insurance:
1No Room Rent Limits
You can pick any hospital room you like. There are no limits on how much you can spend on room rent, unlike many other health plans in India.
2Easy Claim Process
Filing a claim is simple and hassle-free, making it easy for everyone to get their money back.
3Wellness Benefits
You get additional benefits for your health, such as consultancy by doctors on call, laboratory tests, delivery of medicines at home, and home care services.
4Tax Benefits
The money you pay for the policy can be used to get tax deductions under Section 80D of the Income Tax Act.
Documents Needed to Buy Digit Health Insurance
You need to provide these documents when buying a Digit health insurance policy:
- Identity Proof: A filled Proposal Form or OTP verification
- Age Proof: Any one of these: Voter ID, PAN card, Aadhaar Card, Driver's License, or Passport
- Address Proof: Any one of these: Ration card, Driver's License, Passport, Rent Agreement (if applicable), PAN Card, Aadhaar Card, or Utility Bills
- Recent Passport-size Photos
- Medical Reports (if required)
How to Buy Digit Health Insurance?
You can buy Digit health insurance through Square Insurance or directly from the insurer’s website.
Buying from the Insurer’s Website
Follow these simple steps to purchase your policy online:
- Enter Details: Visit Digit’s health insurance page and enter your PIN code and mobile number.
- Add Family Members: Select the family members you want to cover and enter the age of the eldest member.
- Choose Plan & Coverage: Pick the coverage amount, plan type, and any extra benefits.
- Fill in Details: Enter your and your family’s personal details correctly.
- Make Payment: See the premium amount, complete the payment, and submit KYC documents.
Your Digit health policy will be issued instantly!
FAQs
You can buy a Go Digit Health Insurance policy online from its official website or through an online broker like Square Insurance.
You can call Go Digit General Insurance for free at 1800-258-5956.
Yes! You get a free health check-up when you renew your policy on time. The cost of the check-up is covered up to the limit mentioned in your policy.
Yes! Some plans include maternity, newborn care, and infertility treatments along with other medical benefits.
There is a 15 to 30-day waiting period before you can use most benefits. Some treatments may have a longer waiting time.
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