Digit Health Insurance Renewal

The following are the factors that affect the health insurance renewal premium:

• Claims Track Record: If you've been filing claims frequently, it might make renewing your GoDigit health insurance more expensive. This is because a high number of claims could be seen as a higher risk, which can impact the cost of renewing your insurance.
• Age Influence: Your age plays a significant role in determining the renewal premium for your GoDigit health insurance. Generally, as you get older, you might face increased renewal premiums.
• Inflationary Impact: The Health Insurance Company may adjust the renewal premium for your GoDigit health insurance to consider the impact of inflation in the healthcare industry. If the overall costs in the health sector rise, your renewal premium might increase as well.
• Policy Adjustments: Any changes you make to your GoDigit health insurance policy can directly affect your renewal premium. Whether you're enhancing your coverage or adding riders or add-ons, such changes can lead to an increase in your renewal premium.

Mentioned below are the details related to the GoDigit Health Insurance renewal date and reminders:

How to Check the Renewal Date?

Explore the following methods to know the renewal date for your GoDigit Health Insurance policy:

• Review Policy Document: Thoroughly examine your GoDigit Health Insurance document as it clearly mentions the policy renewal date.
• Check the Website: Visit the InsuranceDekho or GoDigit Health Insurance website and log into your account to access policy details, including the renewal date.
• Contact Customer Support: Reach out to the customer support team of InsuranceDekho or GoDigit Health Insurance Limited. Provide the necessary details, such as your name and policy number, and the customer care team will help you know the renewal date of the specific policy.

Note: In case you forget to renew your GoDigit policy on the due date, you still have the option to renew it during the Grace Period.

*The grace period provides additional time to policyholders after the payment deadline, allowing them to renew coverage without penalties or lapses. The duration of the grace period varies among insurers.

Reminder Options

Stay on top of your GoDigit policy renewal date using these reminder options:

• InsuranceDekho Reminder: Get timely notifications from InsuranceDekho through easy-to-use channels like WhatsApp messages or emails. This helps you schedule and renew your policy without any last-minute hassle.
• Insurer's Email or SMS: The insurance company will proactively contact you via email or SMS, ensuring you always know when your health insurance policy is about to expire.

The benefits of policy renewal are as follows:

• Continuity of Coverage: If you renew your GoDigit policy, your insurance coverage will continue without any breaks. This means you'll still be protected against unexpected events, ensuring a smooth and uninterrupted insurance experience.
• Long-Term Tenure Discounts: Renewing your policy for a longer duration can get you discounts. This means if you commit to staying insured with GoDigit for an extended period, you may enjoy cost savings through special discounts.
• Free Health Checkup: GoDigit offers a complimentary health checkup when you renew your policy. This helps you monitor your health and detect potential issues early, contributing to a proactive and preventive approach to healthcare.
• Wellness Benefits: By renewing with GoDigit, you may gain access to wellness benefits. This could include services that promote a healthy lifestyle, such as fitness programs, wellness apps, or expert advice on maintaining well-being.
• No Claim Bonus: If you don't make any claims during your policy period, GoDigit rewards you with a No Claim Bonus (NCB). This can lead to a reduction in your premium when you renew your policy.
• Reduced Waiting Period: Renewing your policy can reduce waiting periods for certain benefits. This means you won't have to wait for long to avail yourself of specific coverages or services.

Following are the consequences that you will face in case of non-renewal of your GoDigit health insurance policy:

• Financial Risks: If you don't renew your GoDigit Health Insurance policy, you may face financial risks. Without insurance coverage, you'll be responsible for all medical expenses, which can be costly and may pose a significant financial burden on you and your family.
• Waiting Period: Non-renewal can result in the imposition of waiting periods when you decide to get a new policy. During this waiting period, certain coverages may not be available or applicable.
• Reapplication Process: If you let your policy lapse, you'll have to go through the hassle of reapplying for health insurance. This involves paperwork, assessments, and approval processes, causing inconvenience and potential delays.
• Loss of Health Coverage: Failing to renew means losing your health coverage altogether. This leaves you without the protection that health insurance provides.
• Risk of Pre-existing Condition Exclusion: Non-renewal might lead to a risk of exclusion for pre-existing conditions when you apply for a new policy. This means that certain health issues you had before may not be covered initially, making it challenging to get comprehensive coverage for existing health conditions.

When renewing your GoDigit Health Insurance policy, it's crucial to take into account the following aspects:

• Waiting Period: Examine the waiting periods associated with specific illnesses or treatments in the GoDigit policy. This includes initial waiting periods and those linked to pre-existing conditions. Understanding these waiting periods is important to knowing when specific coverages will come into effect.
• Policy Details Verification: Thoroughly check the sum insured, inclusions, and exclusions outlined in your GoDigit medical insurance policy. Be attentive to any changes in policy terms and conditions that might impact your coverage.
• No Claim Bonus (NCB): The No Claim Bonus acts as a reward for maintaining good health and not making any health insurance claims during the policy term. Make sure you utilise this bonus to enhance your overall coverage.

Documents Required For Renewal

During the GoDigit policy renewal process, you will require the following documents:

• Filled and signed Policy Renewal Form
• Identity proof documents including an Aadhaar Card, Voter ID, or Passport
• Address proof, including a Rental Agreement or Utility Bill
• Income Proof, for health insurance policies with high sum assured
• Previous policy details
• Medical Check-up Reports
• Claim History

Following are the options for GoDigit medical insurance policy renewal premium payment:

• Credit Card
• Debit Card
• EMI (Equated Monthly Instalments)
• Digital Payment Application, if applicable

Here’s how you can renew your GoDigit Health Insurance policy:

Online Procedure

The procedures below will help you with renewing your GoDigot health policy online via the InsuranceDekho website and the insurer website:

Online Procedure of GoDigit Health Policy Renewal with InsuranceDekho

Follow these steps to renew your GoDigit Health Insurance policy:

Step 1: Start by visiting the official InsuranceDekho website [1] and locate the "Support" option in the top bar. Click on it.

Step 2: From the drop-down list, click on the "Renew Policy" button.

Step 3: Provide your mobile number in the required field and click on "Send OTP."

Step 4: Once successfully logged in, access your GoDigit insurance policy details.

Step 5: Click on the "Renew" button to initiate the policy renewal process.

Step 6: Complete the payment to finalise the policy renewal.

Upon successful payment, your GoDigit Health Insurance policy will be renewed.

Online Procedure of GoDigit Health Policy Renewal via the Insurer Website

Step 1: Go to the homepage of the official GoDigit website [2] and click on the “Renewals” button at the top.

Step 2: In the next step, sign in with your Mobile Number and hit the “Continue” button.

Step 3: On the dashboard, locate the specific GoDigit policy that you wish to renew and click on the “Renew” button.

Step 4: Now, pay the renewal premium and your policy will be renewed successfully.

Why Renew with InsuranceDekho?

• Impartial Guidance: For knowledgeable, unbiased insurance advice tailored to your unique requirements, rely on InsuranceDekho. We provide top priority to your needs to offer advice that suits your particular situation.
• Notifications of Renewal: Keep yourself updated with our punctual notifications of renewals. We make certain that you are informed so that you can decide when to renew your health insurance coverage.
• Portability Feature: If you are unhappy with your present insurance company, we give smooth support with the porting process but that process will be done in the offline mode.
• All-inclusive Assistance: InsuranceDekho supports you at every stage of the policy renewal procedure. Whether you need support, have questions, or want to adjust your policy, our committed support staff will offer thorough assistance.

Offline Procedure

If you choose to renew your GoDigit Health Insurance coverage offline, you have two easy choices to choose from:

• InsuranceDekho Relationship Manager: Schedule a visit from InsuranceDekho's Relationship Manager to experience the comforts of home assistance. This committed expert will walk you through the full process of renewal.
• Visit the Insurer's Branch Office: Another option is to go to the insurer's branch office located in your city. The employees of the insurance will personally assist you at the office and walk you through the renewal procedure. [3]

To renew your expired GoDigit Health Insurance policy, consider the following:

• Eligibility: GoDigit offers a grace period for renewal, typically lasting between 15-30 days. The specific duration depends on your chosen policy or premium payment cycle.
• Condition: If your policy has expired and you renew within the grace period, note that there's no coverage during the gap between expiry and renewal. Any medical expenses during this period won't be covered.

For example: If your GoDigit health insurance policy expires on 1st October, the grace period will extend till 16th October (considering 15 days as the grace period). Now, if you decide to renew your policy on 10th October, there will be no coverage from 2nd October to 9th October, as the insurance provider holds no liability during that interval.

• Premium: Renewing an expired policy usually maintains the same premium unless there are changes in factors like your address, age, or additional riders. Make sure you review any alterations in these aspects during the renewal process.
• Renewal Process: Follow the steps above for a smooth renewal process.

To address dissatisfaction with your current insurance provider, consider these steps:

• Discuss Concerns during Renewal: Utilise the renewal contact from InsuranceDekho to address and resolve any issues or make adjustments to your GoDigit medical insurance policy that better suit your needs.
• Port Your Coverage: Take advantage of InsuranceDekho's port feature that allows you to transfer your existing health insurance coverage to another insurer of your choice without any hassle.
• Consult with an InsuranceDekho Advisor: For personalised assistance, you can get in touch with an InsuranceDekho advisor at +91-7551196989 or via email at support@insurancedekho.com. [4]

The common misconceptions about renewing your health insurance policy are as follows:

Misconception 1: You Don't Need to Check Policy Details Again at Renewal

Reality: Some people think that policy terms and conditions remain static and don't need reviewing during renewal. However, policies can change, whether in coverage, terms, or conditions. Reviewing your policy details during renewal is essential to ensure that your coverage still meets your current needs.

Misconception 2: Renewing Early is a Waste of Money

Reality: Renewing your GoDigit health insurance before the expiry date isn't wasteful. Even if you renew ahead of time, your policy still gets extended until the exact expiration date. This ensures you get the full coverage period you've paid for without any financial loss.

Misconception 3: Premiums Always Go Up When You Renew

Reality: Contrary to popular belief, your health insurance premiums don't necessarily increase every time you renew. While it's true that premium adjustments can occur, they are often influenced by factors such as changes in age brackets, adding additional coverage options (riders), or relocating to a different area. It's crucial to be aware of these factors and consult with your insurance provider to understand any changes in your premium during the renewal process.

If you need guidance or assistance during the renewal of your GoDigit medical insurance policy, feel free to reach out to either the insurer or InsuranceDekho using the contact details provided below:

Contact GoDigit Health Insurance

You can contact GoDigit in the below-mentioned ways [3]:

• Customer Support Helpline: Dial 1800-103-4448 for assistance with your GoDigit medical insurance policy.
• Email Contact: Send any queries or concerns to hello@godigit.com for a prompt response.
• WhatsApp Support: For chat-based support, reach out to 70260 61234. Please note that this number is exclusively for messaging and calls cannot be made to this WhatsApp number.

Contact InsuranceDekho

If you need any help with renewing your GoDigit policy, feel free to reach out to InsuranceDekho's customer support team [4] through the following channels:

• Email Support: Send an email to support@insurancedekho.com
• Helpline Number: Call our dedicated helpline at 755 1196 989

Our customer support representatives will help you with any queries or issues related to your GoDigit health policy renewal.

1. https://www.insurancedekho.com/
2. https://www.godigit.com/
3. https://www.godigit.com/contact
4. https://www.insurancedekho.com/contact-us