Digit Health Insurance

A top-up plan is similar to a regular health insurance plan in that it comes in handy when the sum insured of your existing health insurance plan is exhausted due to claims filed during the policy term. A deductible applies to top-up plans.This is the amount that the insured has to pay as a part of the claim whenever it arises and the rest is paid by the insurer.

Top-up health insurance plans are comparatively more affordable and come with a high sum insured range. Also, the premiums paid under top-up health insurance plans are eligible for tax benefits under section 80D of the Income Tax Act, 1961.

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Apart from the many coverage benefits provided by Digit Health Insurance plans, you can also benefit from tax benefits on the insurance premiums under Section 80D of the Income Tax Act of 1961.If the health insurance premium is paid in one go, then you can avail tax benefits for the number of years of cover. To understand the tax deductions better, refer to the table below:

The CSR, or Claim Settlement Ratio, is the percentage of claims paid by an insurer compared to the total number of claims admitted in a given financial year. The higher the CSR, the better, as it shows that the insurer has a good track record of settling claims.Digit General Insurance registered the following claim settlement ratio for health insurance claims in the financial year 2018-2019.

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Digit Health Insurance Claim Process

Digit General Insurance has a very simple and convenient process of claim settlement. You can make claims under your Digit Health Insurance plan in two ways viz., cashless or reimbursement.The cashless claim process allows you to receive necessary medical treatment without having to pay for it at a network hospital. Whereas, for reimbursement claims, you must first pay your bills with a non-network hospital before applying for reimbursement. Read the process for both in detail below:

How To Make Digit Health Insurance Cashless Claim?

Follow the steps given below to avail cashless treatment under your Digit Health Insurance policy:

Step 1: Get Hospitalised and Inform the Insurer
Get hospitalised at a network hospital of your choice and share your Health Card and ID proof with the hospital authority. Note that you are required to inform the insurer within 72 hours of hospitalisation in case of planned hospitalisation and 24 hours in case of emergency hospitalisation.

Step 2: Fill the Pre-Authorization Form
Obtain the pre-authorization form from the hospital. Fill the form and submit it at the hospital counter.

Step 3: Submission of Pre-Authorization Form
Make sure that the hospital authorities share the duly filled pre-authorization form with the Third Party Administrator or the service provider for further processing.

Step 4: Claim Settlement
If your claim satisfies the terms and conditions of your Digit Health Insurance plan, it will be settled by the insurer after an investigation of your hospitalisation.

How To Make A Digit Health Reimbursement Claim?

You can make a claim for reimbursement under your Digit Health Insurance plan by following the simple steps given below:

Step 1: Get Hospitalised and Avail Treatment
Get hospitalised at any non-network hospital of your choice and avail the required treatment. Also, inform the insurer within 48 hours of hospitalisation.

Step 2: Settle Bills at the Hospital
Pay for the treatment taken at the hospital.

Step 3: Collect Relevant Documents
Collect all the relevant documents related to your treatment at the hospital.

Documents Required For Reimbursement Claim Settlement

You will be required to submit the following documents to make a reimbursement claim under Digit Health Insurance plan:

• Duly filled and signed claim form
• Discharge summary
• Original hospital main bill
• Investigation reports
• Original pharmacy bills
• Prescriptions for the medicines purchased
• Medical records

Step 4: Claim Settlement
After investigation of your hospitalisation, your claim will be settled by the insurer if it is in accordance with the terms and conditions mentioned under your Digit Health Insurance plan.

Digit Health Insurance plans offer you the following benefits:

• No Room Rent Restriction: Digit Health Insurance plans offer you the flexibility to choose any hospital room as per your preference.
• 2X Sum Insured: Digit Health Insurance plans refill your sum insured amount in case you exhaust it on the claim(s) made previously and unfortunately require it again during the policy term.
• Lifelong Renewability: Under its health insurance plans, Digit Health Insurance provides lifetime renewability benefits. This means that you can continue to receive benefits under your Digit Health Insurance plan regardless of age as long as you pay the required premium on time.
• Portability Benefit: Digit Health Insurance plans offer you portability benefits. This means that in case you are not happy with your existing health insurance policy offered by some other insurer, then you can switch to Digit Health Insurance plans at the time of policy renewal.

Digit Health Insurance plans cover you against the following healthcare expenses:

• In-Patient Hospitalisation Expenses: In-patient hospitalisation expenses are those expenses that are incurred due to hospitalisation of at least 24 hours. These include doctor’s fee, room rent, ICU charges, nursing charges, anesthesia, expenses related to blood, and oxygen. Digit Health Insurance plans cover you against such expenses.
• Road Ambulance Expenses: If you have a Digit Health Insurance plan, the insurer will cover the reasonable cost of a road ambulance service to take you to the nearest hospital. During the transportation, the ambulance will have all of the required medical facilities.
  
• Organ Donor Expenses: Digit Health Insurance plans cover you against the expenses incurred in the harvesting of the donated organ. This will also include pre-hospitalisation and post-hospitalisation expenses up to the sum insured limit.
• Pre-Hospitalisation And Post-Hospitalisation Expenses: Digit Health Insurance plans cover you against pre-hospitalisation and post-hospitalisation expenses. These include several tests such as x-ray, blood test, urine test, consultation fee, diagnostic charges, etc.
• Home (Domiciliary) Hospitalisation: Expenses for domiciliary hospitalisation are those incurred as a result of any illness or disease that is treated at home for at least 3 days but would otherwise require hospitalisation.Domiciliary treatment can be availed if you as a patient are not in a condition to be moved to the hospital or there are not enough beds available in the hospital.

What All Is Not Covered Under Digit Health Insurance Plans?

Digit Health Insurance plans do not cover you against the following:

• Treatment Required Due To Breach Of Law With Criminal Intent: Digit Health Insurance plans do not cover you against treatment required due to participation in any illegal, criminal, or unlawful act.
• Treatment Required Due To Self Injury: Digit Health Insurance plans do not cover you against any treatment required due to any activity that leads to self-harm such as suicide or attempt of suicide while sane or insane or due to abuse or misuse of alcohol or drugs.
• Cosmetic Treatments: Digit Health Insurance plans do not cover you against cosmetic, aesthetic, and re-shaping treatment and surgeries to change your appearance. These may include tummy tuck, tattoo, face lift, ear-piercing, treatment of baldness, wig, circumcision, change of life treatments etc.
• Treatments Taken Beyond Geographical Limits: Digit Health Insurance plans only cover treatments received within geographical boundaries of India, and you will only be paid for medical expenses in Indian rupees.
• Non-Medical Expenses: Digit Health Insurance plans do not cover you against any item used for personal comfort and convenience such as television, expenses related to telephone calls, food, internet, cosmetics, body care products, hygiene articles, etc.

Note that inclusions and exclusions under Digit health insurance plans vary from plan to plan.

Digit Health Insurance plans come with the following terms:

Note that terms and conditions vary with different Digit Health Insurance plans.

Health insurance renewal is as important as buying health insurance is. It helps you avail of the accumulated benefits such as No Claim Bonus (NCB), waiting period benefits etc. You must renew your health insurance plan before the expiry date. Otherwise, you will be required to complete the initial waiting period again. To renew your Digit Health Insurance policies easily, follow the simple steps given below:

Step 1: Visit the official website of Digit General Insurance. Open the Renewals page.
Step 2: Enter the mobile number given at the time of registration. Click on ‘Login’.
Step 3: Select your renewal quote and pay for the chosen health insurance policy online via a secured payment gateway.