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Digit Health Insurance

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Digit Health Insurance
Claim Settlement Ratio93%
Network Hospitals11,300+
PED Coverage Starting From2 year
Pre-existing Disease Coverage From2 year
PresenceAcross the country
Special BenefitsMultiple Discounts such as Credit Score for Good health

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Disclaimer : Actual Premium might vary basis your location, age and number of members

About Digit

Go Digit General Insurance is a leading insurance company in India, specialising in various types of insurance, including health insurance. It's supported by Fairfax Financial Holdings Limited, a renowned financial services group based in Canada with a presence in over 30 countries. Digit General Insurance was founded in 2016 and has received awards for being one of India's top startups in 2018 and 2019. In 2019, it was also recognised as Asia's General Insurance Company of the Year.

One of the main goals of Digit General Insurance is to simplify health insurance. They provide straightforward policies, with a focus on health insurance, to make it easier for you. The affordable Go Digit health insurance plans are designed to safeguard your savings in case of a medical emergency, ensuring that you and your family don't face a financial burden.

Overall, the Go Digit medical insurance policy is committed to offering uncomplicated, transparent, and personalised health insurance solutions for people of all ages, providing them with peace of mind. So, if you're looking for health insurance, consider Go Digit health insurance for a simple and reliable choice.

Digit Health Insurance Premium Calculation

The amount that you, as an insured, are expected to pay at regular intervals in order to receive benefits under your Go Digit health insurance is known as a health insurance premium. Digit Medical Insurance offers a variety of payment methods to make it much easier for you to pay your health insurance premium. It’s important to note that Go Digit Health Insurance plans differ in terms of health insurance premiums. These are calculated keeping in consideration various factors. Some of them are mentioned below:

  • Pre-Existing Conditions: When you have an existing illness or medical condition at the time of purchasing a Digit medical insurance, you're more likely to make claims. Consequently, if you have a pre-existing condition, your health insurance premium will be higher compared to those without such conditions. Common examples of pre-existing conditions include thyroid issues, diabetes, and high blood pressure.
  • Age: As you grow older, your susceptibility to illnesses increases, which raises the likelihood of utilising your health insurance coverage. This added risk to the insurer leads to higher health insurance premiums for older individuals. Hence, it is advisable to buy a health insurance policy at a younger age.
  • Family Medical History: Your family's medical history has an impact on your Go Digit health insurance premium. Insurers will assess whether certain medical conditions run in your family before determining your premium. If there's a history of certain diseases among your family members, you're more likely to be at risk for those illnesses, and, consequently, you may need to make claims on your Digit Health Insurance policies.
  • Lifestyle Choices: Habits like smoking, drinking, or using tobacco can affect your health and, by extension, your health insurance premium. These habits increase your susceptibility to diseases and conditions that may require hospitalisation in the future. If you have these habits, you can expect to pay a higher premium, and in some cases, insurers might even decline coverage if the habit is excessive.
  • Sum Insured: The maximum amount you can claim from your health insurance policy during a medical emergency is known as the sum insured. In Digit Health Insurance plans, you can select the sum insured based on your specific needs. However, it's important to note that the higher the sum insured, the greater your health insurance premium will be.

Top Digit Health Insurance Plans

Digit Health Insurance plans cover you and your family against basic healthcare expenses. Read further to know about top health insurance plans offered by the insurer:

  • Digit Healthcare Plus Policy: If you or your family need to go to the hospital, the Digit Health Care Plus Policy will take care of various medical costs. You can get this insurance for 1, 2, or 3 years if you're between 1 and 65 years old. It covers expenses when you stay in the hospital, for procedures that don't require an overnight stay, and also the medical costs before and after hospitalisation. Additionally, it includes dental treatment after an accident, ambulance charges, a second medical opinion, weight loss surgery, alternative treatments (AYUSH), and even a free health check-up.
  • Digit Arogya Sanjeevani Policy: The Digit Arogya Sanjeevani Policy is an affordable health insurance plan that covers you and your family's basic medical expenses during hospital stays. You can get this policy if you're between 3 months and 65 years old, and you can choose a coverage amount between Rs. 1 lakh and Rs. 5 lakh. It's valid for one year and needs to be renewed annually. This policy includes costs for in-patient hospitalisation, medical expenses before and after hospital stays, ambulance services, alternative treatments (AYUSH), and daycare procedures.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

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.

You can also buy the best health insurance plans at home with InsuranceDekho.

Why Choose Digit Health Insurance?

Digit Health Insurance is a preferred choice for many due to the following reasons:

  • Big Award in a Short Time: Go Digit General Insurance is so good that it won a big award in 2019. They were named Asia's General Insurance Company of the Year. It shows they are serious about giving you the best service.
  • Lots of Happy Customers: Many people like Digit General Insurance. They have more than 50 lakh customers and a high rating on social media channels, which is the best in India's insurance world.
  • Easy Online Steps: Getting insurance and making claims with Go Digit Health Insurance is simple. You don't need to deal with lots of paperwork. It's quick and hassle-free.
  • No Extra Payments for Age or Location: When you claim your Digit health insurance, you won't have to pay extra money based on your age or where you live. They cover your costs without any extra charges.
  • Choose the Room You Like: With Go Digit health insurance plans, you can pick the hospital room you want, and that too without any restrictions. It's all about what suits you best.
  • Sum Insured Refill: If you use up all your insurance money during your policy, Digit Health Insurance fills it up again, so you're protected.
  • Go to Any Hospital: If you are covered under Go Digit health insurance, You can get treated at any hospital you want. They have more than 16,400 hospitals to choose from, and you can get treatment without paying upfront or get reimbursed later. And it's easy to get your Digit medical insurance claims settled.
  • Wellness Perks: You get special wellness benefits through the Digit App in partnership with top health and wellness companies. This is done by the company because they want to keep you healthy.

Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Network Hospitals of Digit Health Insurance

Every health insurance company has a network of hospitals through which the insured individual can receive cashless care without having to worry about managing the money needed for treatment.Others are non-network hospitals where you can avail reimbursement for the treatment taken under your health insurance policy. Digit Health Insurance has a strong network of over 5,900 hospitals where you can avail yourself of cashless treatment without paying even a single penny.

2339 Digit Cashless Network Hospitals in India

Digit Health Insurance Tax Benefits

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:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When the policyholder as well as parents are less than 60 years of age

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged over 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are aged over 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the HUF (Hindu Undivided Family)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Digit Health Insurance Claim Settlement Ratio

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.

Financial Year

Claim Settlement Ratio

FY 2018-2019


FY 2019-2020


(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.

Claim Process at Digit Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Benefits of Digit Health Insurance Plans

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.

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What All Is Covered Under Digit Health Insurance Plans?

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 Policy Terms

Digit Health Insurance plans come with the following terms:

Minimum Entry Age

91 days

Maximum Entry Age

65 years

Policy Renewal

Lifetime renewability offered

Renewal Premiums

Premiums paid on health insurance renewals are subject to change.

General Waiting Period

A waiting period of 30 days needs to be completed to be eligible to avail of policy benefits. The waiting period is calculated

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

How to Purchase Digit Health Insurance Policy at InsuranceDekho?

At InsuranceDekho, you can purchase Digit Health Insurance plans in two modes viz., Online and Offline. Read further to understand the process for both in detail.

Buy Digit Health Insurance Plan Online at InsuranceDekho

You can purchase Digit Health Insurance plans online from InsuranceDekho by following a few easy steps given below:

Step 1: Visit and click on the ‘health’ tab.
Step 2: Select your Gender. Fill your Name and Mobile Number. You will receive a One Time Password (OTP) on the entered mobile number. Please enter that.
Step 3: Answer the simple question ‘When do you want to buy the policy’ by choosing one of the options from the drop-down menu. Click on ‘View Quotes’.
Step 4: Select your family members you wish to include in your policy. Click ‘Continue’.
Step 5: Select the age of your family members.
Step 6: Enter your Email ID and City. Click on ‘Submit and View Quotes’. You will find the most relevant health insurance quotes on your screen. Shortlist the one you want to purchase.
Step 7: Select the term you wish to buy the shortlisted policy for. Fill in the required details and pay online via a secured payment gateway.

Buy Digit Health Insurance Plan Offline at InsuranceDekho

You can also buy Digit Health Insurance plans offline at InsuranceDekho. All you will be required to do is call us on the toll-free number 7551-196-989 and share your requirements with the knowledgeable customer care executives. You can call us any day between 9:30AM to 6:30 PM. We are available all 7 days.
Feel free to write to us at in case of any doubt or query.

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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers

Digit Health Insurance Renewal Process

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.

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FAQ About Digit Health Insurance

  • How to buy and apply for a Go Digit health insurance policy?

    You can buy and apply for any Go Digit General Insurance Policy online from its official website or through an online broker like InsuranceDekho. 

  • Why should I buy a health insurance policy from Go Digit General Insurance Company?

    Go Digit General Insurance Policy is an ideal choice for both, individuals and families who want to make an investment in health insurance without breaking their bank. Trusted by 30 lakh Indians, the health insurance policies of Go Digit come with customer-friendly operations, super-fast claim process, killer prices, and extensive coverage benefits including critical illness cover and maternity benefit. The best thing is that everything is available online. You don’t need to visit any of its offices to submit documents or to understand the policy terms and conditions.

  • What is the toll-free number of Go Digit General Insurance Company?

    The toll-free number of Go Digit General Insurance Company is 1800-258-5956.

  • Is medical health check-up free at Go Digit General Insurance Company?

    Yes, medical health check-up is provided if you renew the policy with the insurer without a break. Go Digit Health Insurance pays the costs of health check-up up to the specified sum insured mentioned in your policy document.

  • Is there outpatient (OPD) benefit under the policy of Go Digit General Insurance Company?

    Yes, the Go Digit General Insurance Company covers expenses like health check-ups, doctor’s consultation fees, pharmacy bills, diagnostic tests, dental treatment, etc. even when you are not hospitalised.

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