Digit Health Insurance FAQs

Emergency hospitalisation should be intimated within 24 hours, and for planned hospitalisation, you should intimate within 72 hours before admission.

Policyholders should stay hospitalised for at least 24 hours in the hospital to get eligible for a claim. When it comes to daycare procedures, the hospitalisation period could be lesser than 24 hours.

The necessary documents that you need to have to seek a claim for your medical expenses are as follows:

• Duly filled claim form
• Certificate from the doctor
• Medicine prescriptions and bills
• Diagnosis reports like CBC, ECG etc.
• Discharge details and reports
• Final receipts from the hospital

If you require any assistance related to claim, you can call Go Digit at 24x7 customer helpline number 1800-103-4448 or 1800-258-5956 or e-mail at hello@godigit.com. You can even call InsuranceDekho at toll-free number 7551-196-989 for all claim-related assistance.

Yes, Go Digit provides coverage for critical illnesses under his Digit Health Plus Policy. For details, refer to the policy wording or dial our helpline number 7551-196-989.

There are 20 critical illnesses of 5 different categories, which are covered under the Go Digit Health Insurance plans.

The sum insured amount provided for the coverage of critical illness treatment starts from Rs. 2 lakh.

The family members between the age group of 1 year and 60 years are allowed to be covered under the policy of Go Digit.

Yes, Go Digit provides the organ donor coverage under its plan. The coverage is applicable to all the insured family members.

Digit family health insurance plan is an ideal choice for someone who wants to cover them along with their family members under a single sum insured, against several healthcare expenses, at an affordable premium.

Yes. You can get the sum insured of your Digit family health insurance changed if you are not satisfied with it. You can do the same at the time of policy renewal.

Digit family health insurance plan offers several advantages to the policyholders. These include a wide range of sum insured options, No Claim Bonus, lifelong renewability benefit, reimbursement for health check ups up to the limits, etc.

Digit family health insurance plan covers you for major healthcare expenses including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary treatment, critical illness, cover for newborn and road and air ambulance, dental treatment if caused due to an accident, etc.

Yes. Digit family health insurance policy offers tax benefits. You can avail the same on the premium paid, under Section 80D of the Income Tax Act, 1961, on paying it in any mode other than cash.

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.

Yes, the expenses incurred in AYUSH treatment are covered under the health insurance policy of Go Digit?

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

Yes, the policy may be cancelled by Go DIgit on the grounds of misrepresentation, fraud or non-disclosure of material facts by sending you 15 days notice by recorded delivery at last known address/e-mail ID without refund of premium.

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.

There are more than 6,000 network hospitals, which are covered under Go Digit.

Yes, you can get tax benefits on the premium amount of individual health insurance policy by Go Digit General Health Insurance Plan under the Income Tax Act 1961.

Yes, if an individual is hospitalised for a minimum number of consecutive days mentioned in the policy, the insurer will be offering him or her with a lump sum amount as specified in the plan.

Anyone who is looking for comprehensive coverage apart from health insurance coverage offered by the employer, should opt for Digit individual health insurance plan. The policy offers adequate coverage at all times.

Yes. If covered under Digit individual health insurance plan, you can enhance your sum insured in case you are not satisfied with the existing one. You can do the same at the time of renewing your health insurance plan. Kindly note that you may be required to pay a higher premium in this case.

Digit's individual health insurance plan offers you several advantages. Some of them include lifetime renewability benefit, portability benefits, free look period, tax benefits under Section 80D of the Income Tax Act, 1961, cashless treatment, No Claim Bonus, wide range of sum insured options, etc.

Digit individual health insurance plan covers you for several healthcare expenses including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, critical illness cover, daycare procedures, newborn baby expenses, road ambulance expenses, air ambulance cover, hospitalisation due to pregnancy, etc.

The entry age for kids under the Go Digit insurance policy starts from 1 year.

Yes, kids are given the coverage for AYUSH procedures and treatments under Go Digit health plan.

Digit kids health insurance plan is a must buy for people who want adequate coverage for their kids at an affordable premium.

Yes. You can change the sum insured of your Digit health insurance for kids if you are not satisfied with the existing one. You can enhance the sum insured, but for that you will be required to pay an extra premium.

Digit kids health insurance offers you a lot of advantages, some of which are portability benefits, lifetime renewability benefits, cashless hospitalisation at the network hospital, minimum sum insured of Rs. 2 Lakh, affordable premiums, etc.

Digit health insurance plan covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, treatment taken under AYUSH systems of medicines, emergency ambulance expenses, domiciliary hospitalisation expenses, newborn baby expenses, cost of x-rays, MRIs, CT scan, etc.

Yes. You can avail tax benefits on the premium paid for Digit kids health insurance, under Section 80D of the Income Tax Act, 1961. But you would not be able to avail the benefits if the premium is paid in cash.

Yes, you need to go through a waiting period to avail the maternity benefits under the Go Digit health plan.

The waiting period for maternity benefit is applied from the date of inception of the first policy with us, provided that the policy has been renewed continuously with Go Digit without a break.

Digit maternity health insurance plan should be purchased by any woman who wants to get complete coverage against expenses incurred in delivery, including for both normal or caesarean.

Yes. You can enhance the sum insured of your Digit maternity health insurance policy at the time of policy renewal. Note that on increasing the sum insured, your premium shall be increased too.

Digit maternity health insurance plan offers several advantages to the insured. Some of them include sum insured options starting from as low as Rs. 2 Lakh, lifetime renewability benefit, sum insured refill benefit, no claim discount in a claim free year, long hospitalisation cash benefit, e-opinion for critical illnesses, and freedom to buy the plan on either individual or family floater basis.

Digit maternity health insurance plan covers you for Expenses for normal as well as c-section delivery, expenses due to the complication of pregnancy, maternity expenses incurred towards the delivery of a baby, expenses incurred towards legally or medically necessary termination, outpatient (OPD) treatment, i.e. without hospitalisation expenses, pre and post-hospitalisation expenses, and expenses related to vaccinations of the newborn baby for up to 90 days (up to years 5 if the baby is added as an insured person) from the delivery date.

Yes. On the premium paid for maternity health insurance policy offered by Go Digit General Insurance, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. But note that the premium should be paid in any mode other than cash.

Yes, Go Digit will be paying for the medical expenses incurred in respect of any necessary dental treatment from a dentist provided the dental treatment is required as a result of an accident that results in an admissible in-patient hospitalisation.

Yes, the plan shall ordinarily be renewable for a lifetime for your parents, except on the grounds of fraud, moral hazard or misrepresentation or non-cooperation on your end and provided that the policy is not withdrawn.

Digit parents health insurance plan is a good choice for people aged less than 60 years and who want to insure themselves against unexpected medical expenses that may arise due to a medical emergency.

Yes. You can change the sum insured amount under your Digit parents health insurance plan at the time of policy renewal. However, you can enhance the sum insured only if the policy offers a greater sum insured option under that plan.

Digit parents' health insurance plan offers several advantages to the insured. These include No Claim Bonus in a claim-free year, sum insured option starting from Rs. 1 Lakh, lifetime renewability benefit, complementary health check-up up to a specified limit, and an option to switch to and from a similar health insurance plan for parents.

Digit parents’ health insurance plan offers you several coverage benefits including pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, daycare treatment expenses, OPD treatment, cover for diseases like coma, cancer, stroke, liver failure, heart attack, organ donor expenses, expenses related to room rent, operation theatre charges, ICU, doctor/surgeon’s fee, etc.

Yes. Digit health insurance policy for parents offer you tax benefits under Section 80D of the Income Tax Act, 1961. You can avail the same on the premium if it is paid in any mode other than cash.

Yes, the expenses incurred in AYUSH treatment are covered under the health insurance policy of Go Digit?

Yes, the Go Digit health plan provides the cover related to outpatient benefit. Under this coverage, expenses like doctor’s fees, medical bills, diagnostic tests, health check-ups, etc. are all covered without getting hospitalised.

To avail the portability option, you should apply within 45 days before, but not earlier than 60 days from the expiry of the insurance policy.

No, you do not lose accrued benefits of the earlier policy at the time of porting your policy.

Factors that determine the premium value of Go Digit General Insurance Plan are:

a) Policy term
b) Sum insured
c) Gender
d) Medical history
e) Number of members
f) Age of insured

Yes, Go Digit General Insurance offers No-Claim Discount to its policyholders. Under this feature, if policyholders doesn’t make any claims under sections like accidental hospitalisation cover, accidental and illness hospitalisation cover, critical illness hospitalisation cover, cancer hospitalisation cover etc., in the expiring policy period, they would be eligible for a 5% No-Claim Discount in the premium against these sections at the time of renewal.

There are many modes of payment that you can opt for paying the premium of Go Digit General Insurance plan, which includes cash, cheque, credit or debit cards or through digital payment gateways.

Yes, you can get the payment acknowledgement from Go Digit General Insurance at your registered email id. This serves as a proof of the premium paid.

Minimum sum insured that can be selected by the senior citizens starts from Rs. 2 lakh.

Rs. 50,000 is the highest premium amount up to which senior citizens are waived off from tax.

Digit senior citizen health insurance plan is an ideal choice for someone looking for an affordable health insurance plan with wide coverage benefits, to stay financially secured in the later years of their lives.

Yes. You can change the sum insured of your Digit senior citizen health insurance policy at the time of renewal.

Digit senior citizen health insurance plan offers several advantages to the insured. Some of these include No Claim Bonus during claim-free years, lifetime renewability benefit, second medical opinion, portability benefit, free look period, and pre-policy health check-up up to a specific amount.

Digit senior citizen health insurance plan covers you for second medical opinion alternate treatment (AYUSH) and organ donation, OPD treatment, pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, domiciliary hospitalisation expenses, hospitalisation due to critical illnesses like heart attack, stroke, cancer, etc.

Yes. On the premium paid for Digit senior citizen health insurance policy, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. To avail tax benefits, you must pay the premium in any mode other than cash.

Policyholders are required to pay their premium through any payment method except cash to avail the tax benefit on the premium of Go Digit health insurance policy.

The tax benefit can be availed up to the limit of Rs. 25,000, if a proposer with less than 60 years of age purchases a policy for himself. Whereas, if a proposer with less than 60 years of age buys a health insurance policy for a senior citizen then the tax benefit can be availed till the premium amount of Rs. 30,000.

Women members between the age group of 1 year and 60 years can get coverage under the Go Digit health insurance policy.

Yes, women members are provided with the feature of newborn baby benefit within the limit of the sum insured amount.

Digit women health insurance plan is an ideal purchase for women who want adequate insurance coverage for women related health issues that regular health insurance plans or the ones offered by employers may or may not cover.

Yes. You can change the sum insured of your Digit woman health insurance plan at the time of renewal before the policy gets expired. You can choose from other sum insured options offered under the policy. But note that the premium may also change with change in sum insured.

Digit woman health insurance policy offers you several advantages such as lifetime renewability benefit, portability benefit, free look period, No Claim Bonus for every claim free year, cash benefits in case of long hospitalisation, etc.

Digit woman health insurance plan covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, expenses arising due to pregnancy (both normal and c-section), OPD treatment, ambulance expenses, daycare treatments, domiciliary hospitalisation expenses, etc.

Yes. Digit woman health insurance policy offers you tax benefits under Section 80D of the Income Tax Act, 1961. The tax benefits can be availed if the premium is paid in any mode other than cash.