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Digit Personal Accident Plan
According to a report published by the States and Union Territories on PIB, India records over 5 lakh road accidents annually, resulting in…
- Accidental death
- Total or partial disability
- Loss of income cover
Digit Health Insurance
Digit Health Insurance
Established in 2016, Digit Insurance focuses on making health insurance simple, transparent, and easy to manage, ...Read More
9,000+
Cashless hospitals
99%
Claim settlement
1 Crore
Max sum insured
3
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,705 reviews
🏥 9,000+ hospitals
📊 3.85x solvency ratio
✅ 99% claim settlement
What you get with Digit Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
9,000+ cashless hospitals
Direct billing at network hospitals across 10 presence — no out-of-pocket payment at admission.
99% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
3.85x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
3 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
3+ optional riders
Extend a base policy with add-on covers — critical illness, OPD, maternity and more.
About Digit Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Digit Health Insurance: Overview
Digit Health Insurance Company was incorporated in 2016 with an ideology to make the concept of health insurance an easy and hassle-free affair. It aims to offer unique insurance plans in a simplified manner to ensure that health insurance is accessible to every segment.
The company offers simple, transparent, and customized health insurance plans that can fulfill your healthcare needs. Digit Health Insurance Company was awarded Asia's General Insurance Company of the Year in 2019.
Below, we explore the key features and plans offered by the company. Continue reading for an overview of Digit Health Insurance Company.
- 9000+ Network Hospitals
- 30 Days Waiting Period
- Lifetime Policy Renewability
- Sum Insured: Up to 1 Crore
- Worldwide Coverage Available
What sets Digit Health Insurance apart?
- 10+ Wellness Partners
- A comprehensive wellness system to promote a healthy lifestyle
- Up to 10% City-based discount
- Worldwide coverage available
- 5% Good health discount
Digit Health Insurance Awards and Accolades
- Best Group Medical Insurance Cover India 2022
- Best General Insurance Company 2022
- Fastest Growing General Insurance Company India 2022
- IFTA 2022 Excellence in Insurtech Award
- Best Motor Insurance Coverage India 2022
Choose Digit Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Go Digit Health Insurance
It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer. It also mentions the Network Hospitals & other Key Benefits.
All 3 Digit Health Insurance plans
Every plan currently being sold by Digit Health Insurance, shown side-by-side so you can shortlist quickly.
Digit Health Care Plus Policy
The Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan, you can avail basic cover…
- Accidental Hospitalization Cover
- Critical Illness Cover
- Cancer cover
Digit Arogya Sanjeevani Plan
Digit Arogya Sanjeevani is a standard health insurance policy offering sum insured options ranging between ₹3 lakhs to ₹2 crores. The plan …
- High sum insured up to ₹2 Crores
- AYUSH cover
- Ambulance Cover
Quick comparison
Side-by-side across the 3 most-bought Digit Health Insurance plans on PolicyX.
| Feature | Digit Personal Accident Plan | Digit Health Care Plus Policy | Digit Arogya Sanjeevani Plan |
|---|---|---|---|
| Plan type | Accident Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | NA | Unlimited | ₹1 Lakh, ₹2 Lakhs, ₹3 Lakhs, ₹1… |
| Entry age | 18 Years | 18 Years to No Limit | 18 to 65 Years |
| Top benefits | Accidental death · Total or partial disability | Accidental Hospitalization Cover · Critical Illness Cover | High sum insured up to ₹2 Crores · AYUSH cover |
What's covered — and what's not
The standard inclusions and exclusions across Digit Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Digit Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Digit Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Digit health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require 24-hour hospitalization. With this in mind, a majority of Digit health insurance plans are designed to cover daycare procedures for policyholders.
- Digit health insurance plans cover organ donor expenses up to specified sub-limits.
✗ Exclusions
- Digit health policies will not cover injuries or hospitalization caused by self-harm.
- Digit Health Insurance plans do not cover any cosmetic surgeries or treatments.
- Digit Health Insurance plans will not cover hospitalizations or accidents caused due to adventure sports.
- Digit Health Insurance plans mostly do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Digit health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Riders Of Digit Health Insurance
Add-on covers that extend your base Digit Health Insurance policy.
Riders of Digit Health Insurance
Digit health insurance plans offer comprehensive coverage. To enhance your health insurance experience, the health insurer also provides add-on covers.
Pre-existing Disease Modification
Policyholders have the liberty to reduce various waiting periods as per their convenience for PED waiting periods, and more.
Network Hospital Discount
This additional rider helps you reduce your premiums if you choose to be treated in Digit network hospitals.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original)
- Valid photo ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Digit Health Insurance Plans?
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Digit Health Insurance plans.
Pre-existing Disease Waiting Period
Digit Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Digit health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking to purchase Digit Health insurance online, follow these simple steps:
Step 1: Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
Step 2: Click on 'Get free quotes' and compare Digit Health Insurance plans as per your needs.
Step 3: Select and pay premiums online for the Digit health insurance plan of your choice.
Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Digit Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Digit Health Insurance plans by following these easy steps:
Step 1: Visit the website of Digit Health Insurance and select the "File a Claim" option.
Step 2: You can contact the Digit Health Claims team on their helpline number 1800-258-4242.
Step 3: Mention your policy number.
Step 4: Mention your date of birth, as well as the policy start and end date.
Step 5: Click on "Register Claim".
Step 6: After clicking on the "Register Claim" button, you will receive a claim intimation number, which you need to note down for future purposes.
Follow these steps for Digit Health Insurance policy renewal:
Step 1: Visit the official website of Digit Health Insurance Company.
Step 2: From the top menu bar, click ‘Renewals’.
Step 3: Log in with your mobile number, or you can log in with your policy details.
Connect with our insurance experts for Digit health insurance policy renewal at 1800-4200-269.
Frequently asked questions
The 10 most-asked questions about Digit Health Insurance, answered.
There is no limit to that. You can make a claim as long as your sum insured is not exhausted.
No worries. You can escalate your grievances by following a Grievance Redressal Procedure. In case, you are still not satisfied with the resolution or have not received any response, you can send an email to grievance@godigit.com
No, there are no optional covers associated with the policy. The policy only offers standard benefits, which are included in the plan.
Yes, as per the new guidelines by IRDAI, anyone with a health insurance policy will get coverage for expenses incurred due to COVID-19.
Go Digit Health Insurance toll-free no. is 1800-258-5956.
Digit health insurance offers free medical check-ups if you renew your coverage with the insurer without interruption. The costs of a health check-up are covered by Digit health insurance up to the specified sum insured as stated in your policy document.
Go Digit does not offer any specific health insurance plan for kids. However, children can be covered under their parents’ insurance plans.
Digit health insurance offers a sum insured of a minimum of INR 2 lakhs under its individual health plans.
The company offers coverage against the below-mentioned critical illnesses. Cancer of Specified Severity Open Chest CABG Apallic Syndrome Myocardial Infarction (1st heart attack of specific severity) Open heart surgery Surgery to Aorta
Yes, Digit’s health insurance policy is valid pan India. However, it is advisable to check with the company’s terms and conditions regarding the zone and co-payment clause.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,705 verified PolicyX customers who bought a Digit Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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