Digit Personal Accident Plan
  • No room rent capping
  • Zero co-payment
  • Accidental death & disability cover
Digit Personal Accident Plan
Network hospitals

Network hospitals

16400+

Claim settlement ratio

Claim settlement 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

Simran Nirala
Written By:
Simran

Simran Nirala

Health & Term Insurance

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.

|
Reviewed By:
Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

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.

Why Do We Exist?

Compare

Health Insurance Plans

Choose 1st Plan

Choose 2nd Plan

Compare

Health Insurance Plan

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

NA

Initial Waiting Period*

30 Days

Renewability

NA

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:

Accident Health Insurance

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

Individual and Family Health Insurance

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

Individual and Family Health Insurance

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 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.

Other Health Insurance Companies

Share your Valuable Feedback

Rating Icon

0

Rated by 0 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.