Digit Infinity Wallet Health Insurance

No matter how healthy you are, in today’s changing times, having a health insurance plan is an absolute must. Health insurance provides financial protection in case any unforeseen medical emergency takes place. The importance of health insurance is that several insurance companies now offer health insurance plans, including Digit Health Insurance. The Digit Infinity Wallter Plan is a recently launched plan by the company. Read on to find out more about the Digit Infinity Walltet Plan.

Digit Infinity Wallet Health Insurance Plan at a Glance

Check the highlights of this Digit health insurance plan that are mentioned in the table below:

Coverage	Family and individual
Riders	Reduction in PED Waiting Period, Consumables Cover
Variants	N/A
Key features	No room-rent limit, No co-payment, etc
Inclusion	Daycare procedures, Bariatric surgery, In-patient treatment
Exclusion	Weight control treatment, Fertility and infertility treatment, etc

Key Features of Digit Infinity Wallet Plan

Listed below are some of the key features of the Digit Infinity Wallet Plan:

• Sum Insured: The Digit Infinity Wallet Health Insurance Plan offers policyholders the flexibility to choose a sum insured. You can choose the sum insured up to a maximum of up to Rs. 3 crore. The higher sum insured option makes it easier for policyholders to get extensive health insurance coverage.

• Waiting Period: The Digit Infinity Wallet Health Insurance Plan comes with a waiting period. There is a specific waiting period for pre-existing medical conditions which is equal to 3 years. On the other hand, the waiting period for specific illnesses is 2 years.

• No Room Rent Limit: The Digit Infinity Wallet Health Insurance Plan has no room rent limit. You have the freedom to choose the room of your choice based on your budget and requirements.

• No Co-payment: The Digit Infinity Wallet Health Insurance Plan comes with no co-payment clause. Co-payment in health insurance means the amount of money that the policyholder needs to pay from their pocket to get health insurance coverage. Like many other plans, the Digit Infinity Wallet Health Insurance Plan has a co-payment clause even on the age basis.

Benefits of Digit Infinity Wallet Health Insurance Plan

Listed below are some of the benefits of buying the Digit Infinity Wallet Health Insurance Plan:

• Cumulative Bonus: The Digit Infinity Wallet Health Insurance Plan offers cumulative bonus benefits. Cumulative bonus in Digit Health Insurance means that the sum insured will increase by 50% for every claim-free year. The maximum cumulative bonus benefit is up to 100%.

• In-built Personal Accident Cover: In case of an accident due to which the proposer or the eldest member of the policy passes away, then in such a case Personal Accident Cover is given. The Personal Accident Cover is maximum up to Rs. 1 lakh.

• Discounts: With the Digit Infinity Wallet Health Insurance Plan, policyholders also get an option to earn discounts and save on health insurance premiums. You can earn up to a maximum of 5% discount if you lead a healthy lifestyle. On the other hand, there are renewal discounts and zonal-based discounts.

• Sum Insured Backup: This is a benefit that helps the policyholder to get their sum insured restored even after they have raised a health insurance plan. This is also called restoration benefits and with the Digit Infinity Wallet Health Insurance Plan, you can get a maximum of 100% sum insured restored.

• Emergency Air Ambulance: This provides financial assistance for air ambulance in case the policyholder needs to be shifted to a hospital on an emergency basis. You can also get coverage for road ambulance with the Digit Infinity Wallet Health Insurance Plan.

• Health Check-ups: The Digit Infinity Wallet Health Insurance Plan provides coverage for annual health check-ups with no limit on the type of test. However, there is a limit on the maximum amount that you will get for health check-ups.

Inclusions and Exclusions of Digit Infinity Wallet Health Insurance Plan

Inclusions:

• Personal Accident Cover: Up to Rs. 1,00,000
• Road ambulance: Maximum up to Rs. 15,000
• Daycare procedures: All daycare procedures will be covered
• Psychiatric illness: Up to Rs. 1 lakh
• Health check-up: Maximum up to Rs. 1500
• Bariatric surgery
• Organ donor expenses
• Pre-hospitalisation expenses: Up to 60 days
• Post-hospitalisation expenses: Up to 180 days

Exclusions:

• Weight-control treatment
• Any unproven treatment
• Infertility treatment
• Any injuries due to involvement in adventurous activities
• Alcohol-abuse treatment

Riders Available with the Digit Infinity Wallet Health Insurance Plan

A few riders that you can include in your Digit Infinity Wallet Health Insurance Plan are as follows:

• Reduction in PED Waiting Period: This add-on helps in reducing the waiting period for pre-existing medical conditions to 2 years.

• Consumables Cover: This provides coverage for non-consumables as listed on the policy document. To get this coverage, you just need to pay a 10% health insurance premium.

How to Buy the Digit Infinity Wallet Health Insurance Plan?

Listed below are how you can buy the Digit Infinity Wallet Health Insurance Plan:

• Step 1: Visit the “Health Insurance” section on the official InsuranceDekho website.
• Step 2: Pick "Digit Health Insurance" from the list of health insurance companies.
• Step 3: Choose "Infinity Wallter Plan" from the available health insurance plans
• Step 4: Upload all the necessary documents to complete the KYC process.
• Step 5: After finishing the KYC process, pay the premium online
• Step 6: Finally, you will receive the Digit policy document in your registered email.

Documents Required to Buy Digit Infinity Wallet Health Insurance Plan

Some of the documents required to buy the Digit Infinity Wallet Health Insurance Plan are as follows:

• A duly-filled proposal form
• PAN card
• Aadhaar card
• Passport-size photo
• Bank account details
• Pre-existing medical bill report
• Previous health insurance copy

Claim Process of Digit Infinity Wallet Health Insurance Plan

There are two types of claims you raise with your Digit Infinity Wallet Health Insurance Plan, cashless claim and reimbursement claim. Under the cashless claim, your medical bills will be directly settled by the insurance company. In a reimbursement claim, the medical bills will be later reimbursed by the insurance company.

Cashless Claim Process

• Get the treatment at any network hospital associated with Digit Health Insurance.
• Inform the insurer about the hospitalization
• Download the pre-authorization form from the company’s official website.
• Duly fill out the pre-authorization form and attach all the documents to it.
• Submit the form to the insurer. Digit will verify the information and documents submitted by you.
• Once the verification process is complete, an insurer will either process or reject your claim request.

Reimbursement Claim

• Visit any nearby hospital
• Inform the insurance company in case of both planned and unplanned hospitalisation
• Pay for medical bills and treatment costs from your pocket.
• Go to the official website of Digit to download the claim settlement application form.
• Fill out the claim form thoroughly
• Attach all the necessary documents to the form and submit them to your insurance provider
• Digit Health Insurance will assess the documents you submitted.
• Once all the documents have been approved, your claim request will be settled by the insurance company

FAQs

Q. What is the maximum sum insured I can opt for with the Digit Infinity Wallet Health Insurance Plan?

A. With the Digit Infinity Wallet Health Insurance Plan, you can choose the maximum sum insured of Rs. 3 crores.

Q. Are there variants available with the Digit Infinity Wallet Health Insurance Plan?

A. No, there are no variants available with the Digit Infinity Wallet Health Insurance Plan.

Q. Is there any co-payment clause with the Digit Infinity Wallet Health Insurance Plan?

A. No, there is no co-payment clause attached to the Digit Infinity Wallet Health Insurance Plan.

Q. Will I get coverage for daycare procedures with the Digit Infinity Wallet Health Insurance Plan?

A. Yes, daycare procedures are covered under the Digit Infinity Wallet Health Insurance Plan.