Digit Personal Accident Plan

No room rent capping
Zero co-payment
Accidental death & disability cover

Network hospitals

16400+

Claim settlement ratio

96.83%

Sum insured

Up to 1 Crore

No. of Plans

Solvency Ratio

1.9

Pan India Presence

10+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Digit Personal Accident Plan

Out of over 5 lakh road accidents in India, the reported total number of deaths is more than 1.6 lakhs and over 4.4 lakhs of people got severely injured. This was a shocking report published by the States and Union Territories on PIB.

Digit personal accident insurance policy is a product that has your back, whether to protect you medically or financially when you require it the most. Not limited to the insured member only, it also covers nominees of the insurance policy. Let's assume here the worst scenario of a policyholder's accident, the chances are; that they can either face an accidental death or can cause a total or partial disablement for life. The accidents can be of any sort, like a road accident, a fall, a slip off from the stairs, burns due to a fire, or anything else.

Do you think, the insured individual will be able to take care of their family after an accident of such severity? Most people can't. Then why should we wait for financial distress to come, when we can secure our family's future beforehand?

However, before moving forward to a decision, know about the specifications and exclusions of the Digit personal accident insurance plan that covers hospitalization expenses in case of an accident or injury. Additionally, it provides your family with financial cover, education grants for children, and expenses for their marriage (when the insured is suffering from a permanent total disability or died due to an accident).

Read on to know more about Digit health insurance for personal accident coverage offerings.

Digit Personal Accident Plan Specifications

To understand Digit Personal Accident Plan Insurance in detail, take a look at the below table:

Entry Age

18 Years

Policy Type

Accident Health Insurance

Sum Insured

Initial Waiting Period*

30 Days

Renewability

Policy Term

1 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.

Inclusions of Digit Personal Accident Insurance Plan

Accidental death

In case, the insured individual meets with an accident that leads them to death, their dependents will receive the financial aid, the transportation expenses of the dead body and the funeral as well.

Total or partial disability

If the insured has met with an accident that has caused a total or partial disability such as loss of limbs or sight, etc (as per policy specifications), the insurer will cover your financial needs.

Hospitalization expenses

Hospitalization expenses such as room rent, diagnosis, and daycare procedures, pre and post-hospitalization, road ambulance charges, etc are covered by the insurer if the insured meets with an accident leading them to hospitalization.

Loss of income cover

For a condition of temporary total disability when the policyholder is not able to earn or work, the insurer will pay out the weekly benefit amount for day-to-day expenses.

Benefits for children

If the person insured gets into accidental death or permanent total disability, the expenses for their children’s education or their marriage will be paid by the insurance company.

Adventure sports injury cover

In case of an accidental injury during adventure sports like scuba diving, bungee jumping, sky diving, etc, the company will cover the treatment expenses. Given that the sports are being played under the supervision of a sports expert.

Tax benefits

Avail a specified tax benefit against all the premiums paid under this policy, as per Section 80D of the Income Tax Act of India.

Exclusions of Digit Personal Accident Insurance Policy

Self-inflicted injuries

Alcoholism or drug abuse

War and terrorism affairs

Criminal intent and complications caused due to the same

Suicidal attempts

Wrapping It Up

No wonder an accidental event can impact your life and your family's future severely. However, having health insurance covers accidental deaths and disability caused due to it. Digit personal accident is not just a simple accidental insurance policy, it also provides your family with the benefits of educational and marriage aid when you're not around.

So? Have we convinced you enough to reach out to us? Do let us know by calling at 1800 4200 269, or email us at helpdesk@policyx.com

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 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)

High sum insured up to 2 Crores
AYUSH cover
Ambulance Cover

Digit Arogya Sanjeevani Plan (Cons)

Adventure Sports
Self-harm
Obesity or weight control

Digit Arogya Sanjeevani Plan (Other Benefits)

Modern treatment cover
Cataract Cover
Dental Treatment

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

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 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)

Accidental Hospitalization Cover
Critical Illness Cover
Cancer cover

Digit Health Care Plus Policy (Cons)

No global cover
Illegal activites not covered
No obesity covered

Digit Health Care Plus Policy (Other Benefits)

Sum Insured Refill Benefit
Psychiatric Illness
Hearing Aids

Digit Health Care Plus Policy (Eligibility Criteria)

Min. Entry Age - 18
Max. Entry Age - No Limit
SI - Unlimited
Initial Waiting Period - 30 Days

Accident Health Insurance

Digit Personal Accident Plan

Out of over 5 lakh road accidents in India, the reported total number of deaths is more than 1.6 lakhs and over 4.4 lakhs of people got severely injur...

Unique Features

No room rent capping
Zero co-payment
Accidental death & disability cover

Digit Personal Accident Plan (Pros)

Accidental death
Total or partial disability
Loss of income cover

Digit Personal Accident Plan (Cons)

Self-inflicted injuries
Alcoholism or drug abuse
War and terrorism affairs

Digit Personal Accident Plan (Other Benefits)

Hospitalisation expenses
Benefits for children
Adventure sports injury cover

Digit Personal Accident Plan (Eligibility Criteria)

Minimum- 18 years
Plan type- Individual
Initial waiting period- 30 days

Digit Personal Accident Insurance Plan: FAQs

1. I already have a health insurance policy, should I buy a Digit personal accident insurance plan?

Basic health insurance may sometimes not cover you for accidental uncertainty. On the other hand, personalized accident insurance covers specific conditions and provides you with financial help in times of need.

2. Does the Digit personal accident insurance policy cover accidental death?

Yes, it pays out the specified sum insured amount to the nominee of the policy.

3. What is the minimum age for buying this policy?

To buy a Digit personal accident insurance plan, the proposer should be 18 years and above.

4. Who in my family can be covered under the Digit personal accident plan?

You can cover your family including parents (upto 70 years), spouse, or children as dependents under the policy.

Digit Personal Accident Plan

Digit Personal Accident Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Inclusions of Digit Personal Accident Insurance Plan

Accidental death

Total or partial disability

Hospitalization expenses

Loss of income cover

Benefits for children

Adventure sports injury cover

Tax benefits

Exclusions of Digit Personal Accident Insurance Policy

Self-inflicted injuries

Alcoholism or drug abuse

War and terrorism affairs

Criminal intent and complications caused due to the same

Suicidal attempts

Wrapping It Up

Explore other Digit Health Insurance

Digit Arogya Sanjeevani Plan (Pros)

Digit Arogya Sanjeevani Plan (Cons)

Digit Arogya Sanjeevani Plan (Other Benefits)

Digit Arogya Sanjeevani Plan (Eligibility Criteria)

Digit Health Care Plus Policy (Pros)

Digit Health Care Plus Policy (Cons)

Digit Health Care Plus Policy (Other Benefits)

Digit Health Care Plus Policy (Eligibility Criteria)

Digit Personal Accident Plan (Pros)

Digit Personal Accident Plan (Cons)

Digit Personal Accident Plan (Other Benefits)

Digit Personal Accident Plan (Eligibility Criteria)

Digit Personal Accident Insurance Plan: FAQs

1. I already have a health insurance policy, should I buy a Digit personal accident insurance plan?

2. Does the Digit personal accident insurance policy cover accidental death?

3. What is the minimum age for buying this policy?

4. Who in my family can be covered under the Digit personal accident plan?

Explore Digit Health Insurance

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Written By: Simran Nirala

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