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Digit Carry Forward Sum Insured Plan is designed for policyholders who want to make better use of their unused health insurance coverage across policy years. Under this optional cover, the unused base Sum Insured from the expiring policy can increase the Sum Insured available in the renewed policy. The maximum carry forward is 100% of the base Sum Insured. The benefit is particularly useful for customers who make few or no claims and want additional protection available in a future year. The plan can be selected on an individual or family-floater basis, subject to the policy schedule and applicable terms.
A health insurance option that carries forward unused base Sum Insured to the next policy year, up to 100% of the base Sum Insured.
The main strength of the Carry Forward Sum Insured option is that unused base coverage does not simply disappear at renewal. Instead, eligible unused Sum Insured can be carried into the next policy year, with a maximum of 100% of the base Sum Insured. This can provide meaningful additional protection for customers with low claims in the previous year. The major trade-off is that this cover cannot be combined with the Cumulative Bonus benefit. Therefore, customers need to choose between building a cumulative bonus and carrying forward unused Sum Insured. The benefit is also calculated from unused base Sum Insured after accounting for claims.
Go Digit
Key Insights
Founded
2016
Go Digit was established 10 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.01% CSR, calculated as a 3-year average
Go Digit settles 99.01% of all claims it receives, demonstrating strong credibility.
Network Hospitals
9,000+
Go Digit has a network of 9,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Unused base Sum Insured from the expiring policy can increase the Sum Insured of the renewed policy.
Subject to the applicable policy terms.
A maximum of 100% of the unused base Sum Insured can be carried forward.
The year-on-year carry-forward is capped at 100% of the base Sum Insured.
The Carry Forward Sum Insured cover can be available with both individual and family-floater options.
Subject to the selected policy configuration.
The applicable Digit health plan configuration does not impose a room-rent restriction.
Check the policy schedule for the selected cover.
Eligible inpatient hospitalisation expenses are covered up to the applicable Sum Insured.
Optional cover for eligible consumable medical items that may otherwise be excluded.
Subject to eligibility and underwriting.
Optional modification may be available for applicable waiting periods.
Subject to eligibility and underwriting.
Initial waiting period applies to non-accidental illnesses. Pre-existing diseases and specified illnesses are subject to applicable waiting periods under the policy wording and schedule.
Initial Waiting Period
Non-accidental illnesses are subject to the applicable initial waiting period from policy inception.
Pre-Existing Disease Waiting Period
Pre-existing diseases are covered after completion of the applicable waiting period specified in the policy schedule.
Specific Illness Waiting Period
Certain specified illnesses and procedures may have separate waiting periods according to the policy terms.
Waiting Period Modification
A waiting-period modification option may be available subject to eligibility and underwriting.
Conditions or treatments that the policy clearly says it will not cover.
The plan provides health insurance protection for eligible hospitalisation arising from illness, accident and other covered medical conditions. Coverage can include inpatient hospitalisation, day care, pre and post hospitalisation, domiciliary treatment and other benefits according to the selected policy configuration.
Insurer
Go Digit plans and claim process
It is an optional health insurance benefit that allows eligible unused base Sum Insured from the expiring policy year to be carried forward into the renewed policy.
A maximum of 100% of the unused base Sum Insured can be carried forward at renewal, subject to the policy terms.
Unused base Sum Insured means the total base Sum Insured minus the claim amount under the policy during the policy period.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Go Digit website before purchasing.
Contact Details
1800 103 4448
Headquarters: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru - 560095, Karnataka, India.
Official Website
godigit.com
Visit the official Go Digit website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional benefit that may provide a premium discount when eligible treatment is taken at network hospitals.
Subject to applicable terms.
No. Digit specifies that Cumulative Bonus is not available when the Carry Forward Sum Insured cover is opted for.
The carried-forward amount is subject to the maximum 100% limit of the base Sum Insured and the applicable renewal terms.
Yes. The policy wording states that both individual and floater options are available for this cover.
Yes. Eligible inpatient hospitalisation and other applicable medical benefits are covered according to the selected policy configuration.
No. Carry Forward uses eligible unused base Sum Insured from the previous policy year, whereas restoration or backup benefits work differently and are subject to their own terms.