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Digit Arogya Sanjeevani Health Insurance

200 reviews Rate This
Digit Health Insurance
Arogya Sanjeevani Policy
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

About Digit Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy is a new addition to the list of plans offered by Digit General Insurance Company. Developed by IRDAI, this product was launched on 1st April 2020 with an aim to offer basic healthcare cover to the policyholders for them and their families. An affordable and easy-to-understand policy, Digit Arogya Sanjeevani Policy can be purchased by persons aged between 18 years to 65 years on an individual or floater basis. On a floater basis, they can cover Self, legally-wedded Spouse, Dependent Children, Parents, and Parents in-law in different combinations for the number of adults and children. It is an annual policy that policy offers various sum insured options ranging between Rs. 1 Lakh to Rs. 5 Lakh. When buying this policy, you get flexibility for paying the premium in installments on a monthly, quarterly, half-yearly, and annual basis. The policy comes with a minimum co-payment of only 5%. This means that the policyholders will have to pay only 5% of the total claim amount for every claim.

The highlighted benefits under the Go Digit Arogya Sanjeevani Policy include an affordable premium, lifelong renewability, 15 days free look period, grace period, portability benefit, and cumulative bonus for every claim-free year up to a specific limit. The policy also boasts for covering hospitalisation expenses incurred due to the novel coronavirus or COVID-19.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient expenses incurred on AYUSH treatments
  • Expenses for treatment of Cataract for each eye up to a specific limit
  • Ambulance services with a maximum cap of Rs. 2,000 per hospitalisation
  • Plastic surgery and dental treatments necessitated due to an injury/disease
  • 30 days pre and 60 days post-hospitalisation expenses due to illness/accident
  • Expenses on modern treatments such as balloon sinuplasty, oral chemotherapy.

What's Not Included

  • Expenses related to the treatment of refractive error
  • Any treatment taken outside India
  • Expenses arising from unproven treatment, services, and supplies
  • Expenses incurred on OPD treatment and domiciliary hospitalisation
  • Expenses on the treatment done for evaluation and investigation purpose
  • Expenses for treatment required due to participation in adventure sports.

5925 Digit Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.5
Rating based on
200 User reviews
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What users are saying
  • All
  • Easy to Understand

    The policy has standard features across all insurers and therefore it is easy to understand too. I got it from Go Digit as it is a trusted insurer and I already had one policy for it so had experience of its smooth claim process too. Also, the brochure is uploaded on InsuranceDekho where you can understand all benefits offered under it.   

    Read More

    C
    By Chinansuka
    On: Jun 21, 2020
  • Affordable Plans

    This is an affordable health insurance policy that covers almost all basic healthcare expenses at an affordable premium. Also, premium payment is safe on InsuranceDekho’s website. I chose to pay a monthly premium for this policy and not find it any hard to pay. You can buy it too online.     

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    G
    By Gulshan Malhotra
    On: Jun 19, 2020
  • Nice Experience

    The policy covers me and my family for basic healthcare expenses. The best part is that the policy comes at an affordable price. I chose a sum insured option of Rs. 5 Lakh as suggested by the customer care executives at InsuranceDekho. The policy has limits on certain coverage features but even after that the policy is useful.    

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    G
    By Gauri Pradhan
    On: Jun 18, 2020
  • Nice features

    The policy has nice features. I got all what I wanted like pre and post hospitalisation cover, cover for cataract expenses, road ambulance cover, in-patient hospitalisation expenses, cover for all daycare expenses and much more. The policy was an easy buy from InsuranceDekho.     

    Read More

    S
    By Sakshi Chawla
    On: Jun 17, 2020
  • Satisfied with services of Ins...

    While searching for a good health insurance plan in India for my family, I landed on the website of InsuranceDekho and filled the quote there. I got a call back. We discussed my health insurance requirement and they suggested to me this policy which is developed by the IRDAI. I found the features good and therefore brought it online.   

    Read More

    G
    By Gaurav Patel
    On: Jun 17, 2020
View All Arogya Sanjeevani Policy Reviews

Add-ons to Enhance Benefits

  • Personal accident cover

    This add on benefit offers cover to the insured for treatment required due to an accident. You can purchase this add-on benefit voluntarily by paying an extra premium at the time of policy purchase.

  • Hospital cash

    Hospital cash add-on covers you for hospital cash for up to 30 days of hospitalisation if hospitalised for more than 48 hours. It is a useful add-on that offers you extensive coverage in difficult times.

  • Safeguard

    This add-on gives you access to additional benefits such as annual increase in coverage on the basis of inflation rate, cover for non-payable items, and no impact on booster benefit.

Digit Arogya Sanjeevani Policy Brochure

  • 402.23 KB
  • PDF Document
  • Jun 17, 2020
Download PDF

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.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Who all can be covered under Go Digit Arogya Sanjeevani policy?

    You can cover yourself under the individual plan type and your legally-wedded Spouse, Dependent Children, Parents, and Parents in-laws along with yourself under the family floater plan type.

     

  • Can I pay the premium for Go Digit Arogya Sanjeevani policy in installments?

    Yes. You can pay the premium for this policy in monthly, quarterly, half-yearly, and yearly installments. 

     

  • What is the policy period for Go Digit Arogya Sanjeevani Policy

    Go Digit Arogya Sanjeevani Policy is available for a policy term of 1 year. The policy needs to be renewed annually thereafter. 

     

  • Is there a waiting period involved under any coverage in Go Digit Arogya Sanjeevani Policy?

    Yes. A waiting period is a time when certain coverages are not active. The policyholders need to complete a waiting period for the following treatments under the Go Digit Arogya Sanjeevani Policy:

    • Pre-existing diseases: 48 months
    • Joint replacement treatments: 48 months
    • Age-related Osteoarthritis and Osteoporosis: 48 months
    • Some specific illnesses: 24 months
    • Initial waiting period after buying a policy: 30 days

  • Does the policy cover hospitalisation expenses related to the coronavirus disease?

    Yes. The Go Digit Arogya Sanjeevani Policy covers hospitalisation expenses arising due to the coronavirus (COVID-19). 

     

  • How is buying Go Digit Arogya Sanjeevani Policy on an individual basis different from buying it on a floater basis ?

    You can buy Go Digit Arogya Sanjeevani Policy either on an individual or a floater basis. On an individual basis, the sum insured for each family member is different. Whereas on a floater basis, the entire family will share the single sum insured opted. In both the cases, the sum insured options range between Rs. 1 Lakh to Rs. 5 Lakh (in multiples of 50,000).

     

  • Is there any limit on room rent or ICU/ICCU charges covered under Go Dit Arogya Sanjeevani Policy?

    Yes. The policy covers room rent charges for up to 2% of the sum insured up to a maximum of Rs. 5,000 per day. Whereas ICU/ICCU charges are covered for up to 5% of the sum insured up to a maximum of Rs. 10,000 per day.  

     

  • What are the new age treatments covered under Go Digit Arogya Sanjeevani policy?

    Go Digit Arogya Sanjeevani Policy covers the following new age or modern treatments up to 50% of the total sum insured:

    • Uterine Artery Embolization and High Intensity Focused Ultrasound
    • Balloon Sinuplasty
    • Oral Chemotherapy
    • Robotic Surgeries
    • Bronchial Thermoplasty
    • Intra vitreal injections
    • Intra Operative Neuro Monitoring
    • Immunotherapy-Monoclonal Antibody to be given as an injection
    • Vaporisation of the prostrate
    • Deep Brain Stimulation
    • Stereotactic radio surgeries 

  • Until what age can I renew Go Digit Arogya Sanjeevani policy?

    The policy is renewable at all times during the lifetime of the policyholder.

     

  • Is there any cumulative bonus offered to the policyholders under Go Digit Arogya Sanjeevani policy?

    Yes. The policyholders enjoy a cumulative bonus of 5% for every year a claim is not made. This reward can go up to a maximum of 50% bonus in your sum insured. 

     

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