Digit Health Care Plus Policy
  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover
Digit Health Care Plus Policy
Network hospitals

Network hospitals

16400+

Incurred claim ratio

Incurred claim ratio

96.83%

Sum insured

Sum insured

Up to 1 Crore

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.9

Pan India Presence

Pan India Presence

10+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Digit Health Care Plus Policy

Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan you can avail basic coverage benefits such as room rent, ICU, ambulance, critical illness coverage, and many more such features.

Along with base coverage, you can also opt the optional coverage benefits like loss of income cover, cumulative bonus protection cover, unused sum insured benefits, and daily cash for accompanying an insured child. Digit Health Care Plus policy offers 16 base covers and 6 optional covers to insured individuals.

The minimum entry age for insured individuals has to be 18 years while there is no maximum entry age limit. Dependent children can also be covered under the plan from the age of 91 days. The policy period can be opted for between 1/2/3 years and insured individuals are offered long-term policy discounts of up to 10%. To understand more about Digit Health Care Plus policy read the article in detail.

Digit Health Care Plus Policy Specifications

To understand Digit Health Care Plus Policy Insurance in detail, take a look at the below table:

Entry Age

18 Years to No Limit

Policy Type

Individual and Family Health Insurance

Sum Insured

Unlimited

Initial Waiting Period*

30 Days

Renewability

Lifetime

Policy Term

1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Digit Health Care Plus Policy

With wide coverage options available, Digit Health Care Plus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Digit Health Care Plus Policy Benefits

Insured individuals are entitled to a plethora of benefits available with the Digit Health Care Plus policy that are mentioned below:

  • Multiple Optional Covers

    With the Digit Health Care Plus policy you can avail of multiple optional covers like cumulative bonus protection cover, loss of income cover, unused sum insured benefit, network hospital co-payment, daily cash for accompanying an insured child, and payment of non-medical expenses.

  • Tax Benefits

    Premiums paid towards the Digita Health Care Plus policy are eligible for tax benefits under section 80D the Income Tax Act of India, 1961.

  • Refill Benefit

    Under this particular benefit, individuals can enjoy a refill of 100% of their sum insured specified and utilized under Accidental Hospitalization Cover and Accidental & Illness Hospitalization Cover for that particular policy period.

  • Critical Illness Cover

    Digi Health Care Plus policy offers medical expense coverage against 20 listed critical illnesses.

  • Maternity & New Born Cover

    Insured individuals can avail of maternity and newborn baby coverage with the Digit Health Care Plus policy and are limited to up to 2 children.

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Digit Health Insurance Sample Premium

Below are some Digit Health premium charts for you to understand the calculation of Digit Health mediclaim policies. You can explore all the aspects involved in premium calculation with the help of the Digit insurance premium calculator.

Digit Health Insurance

Plan Variants Smart Comfort Comfort Pro
Annually Premium Payable (in Rs.) 5,477 6,479 7,928

Digit Super Top-up Health Insurance

Sum Insured (in Rs.) 10 L 20 L 30 L
Annually Premium Payable (in Rs.) 5,477 6,479 7,928
 

Digit Health Care Plus Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Digit Health Care Plus Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Conclusion

Digit Health Care Plus is a highly versatile health insurance plan with unlimited sum insured options. Insured individuals can customize their health insurance plan as per their needs and requirements with 7 optional covers and base coverage options. You can cover your family members under the same plan. With wellness benefits such as doctor on call, wellness coach, pharmacy services, lab services, home care services, and more you are offered holistic all-around medical care.

Explore other Digit Health Insurance

To cater to the different medical needs of an individual & their family, Digit Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Digit Health Insurance plans explore more:

Individual and Family Health Insurance

Digit Arogya Sanjeevani Plan

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 covers indivi...

Unique Features

  • Lifelong Renewability
  • Affordable Premiums
  • SI Upto 2 Crores

Digit Arogya Sanjeevani Plan (Pros)

Digit Arogya Sanjeevani Plan
  • High sum insured up to 2 Crores
  • AYUSH cover
  • Ambulance Cover

Digit Arogya Sanjeevani Plan (Cons)

Digit Arogya Sanjeevani Plan
  • Adventure Sports
  • Self-harm
  • Obesity or weight control

Digit Arogya Sanjeevani Plan (Other Benefits)

Digit Arogya Sanjeevani Plan
  • Modern treatment cover
  • Cataract Cover
  • Dental Treatment

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

Digit Arogya Sanjeevani Plan
  • Min Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L- 2 Cr
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus Policy

Digit Health Care Plus policy offers 360-degree coverage to insured individuals. When you invest in the plan you can avail basic coverage benefits suc...

Unique Features

  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover

Digit Health Care Plus Policy (Pros)

Digit Health Care Plus Policy
  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover

Digit Health Care Plus Policy (Cons)

Digit Health Care Plus Policy
  • No global cover
  • Illegal activites not covered
  • No obesity covered

Digit Health Care Plus Policy (Other Benefits)

Digit Health Care Plus Policy
  • Sum Insured Refill Benefit
  • Psychiatric Illness
  • Hearing Aids

Digit Health Care Plus Policy (Eligibility Criteria)

Digit Health Care Plus Policy
  • Min. Entry Age - 18
  • Max. Entry Age - No Limit
  • SI - Unlimited
  • Initial Waiting Period - 30 Days

Digit Health Care Plus Policy: FAQs

1. What critical illnesses are covered under the Digit Health Care Plus Plan?

The Health Care Plus Plan offers coverage against multiple critical illnesses like Cancer Coma of Specified Severity Major Organ Transplant Nervous System Ailments Paralysis of Lims and more

2. Can you take advantage of tax benefits with the Digit Health Care Plus Policy?

Yes, individuals are eligible to avail tax benefits under the Income Tax Act of India, 1961.

3. Is maternity cover available under the Digit Health Care Plus Policy?

Yes, Digit Health Care Plus policy offers insured individuals maternity benefits.

4. Are OPD expenses covered under the Digit Health Care Plus Policy?

Yes, OPD expenses are covered under the Digit Health Care Plus policy.

5. What is the long-term hospitalization cash benefit under the Digit Health Care Plus policy?

with long hospitalization cash benefit insured individuals are given a lump sum in case they are hospitalized for a minimum number of consecutive days as opted by you.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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