Does Digit Health Care have a waiting period?

Yes. A 30-day initial waiting period generally applies to non-accidental illnesses. Pre-existing diseases generally have a 3-year waiting period, while specific illnesses can have 1 to 3 years of waiting.

Does Digit Health Care cover day-care procedures?

Yes. Eligible day-care procedures are covered under the hospitalization section subject to the applicable policy terms and limits.

Are pre- and post-hospitalisation expenses covered?

Yes. Eligible medical expenses incurred before and after a covered hospitalisation are covered for the period specified under the selected plan and policy schedule.

Does Digit provide cashless hospitalisation?

Yes. Digit provides cashless treatment through its network of hospitals. The current Digit website states that its health insurance network includes 9,000+ hospitals.

Is maternity cover included in Digit Health Care?

Maternity and newborn baby cover should not be assumed as a standard feature of the current Digit health plans. Digit's current health insurance information states that this add-on is currently not available with its health plans.

Digit Health Care Insurance: Coverage, Benefits & Waiting Periods

Digit Health Care Overview

Digit Health Care is positioned as a digitally managed health insurance option for individuals and families who prefer simple online servicing. The underlying Digit Health Insurance product provides hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, road ambulance, domiciliary treatment, AYUSH hospitalisation and organ donor expenses, subject to the plan and policy schedule selected. Digit also offers cashless treatment through its network of hospitals and app-based policy and claims servicing. Coverage and optional benefits depend on the specific plan configuration and underwriting terms.

100% paperless purchase and claims with app-based servicing, cashless treatment at 9,000+ network hospitals and flexible health coverage.

Expert Review of Digit Health Care

Digit Health Care is a strong choice for buyers who value digital servicing and straightforward health insurance features. The policy structure includes core hospitalisation protection, day-care treatment, pre- and post-hospitalisation expenses, ambulance support, domiciliary treatment and organ donor expenses. Digit also highlights no age-based or zone-based co-payment and no room-rent restriction on its current health insurance offering. However, buyers should pay close attention to the initial, pre-existing disease and specific illness waiting periods, policy-specific limits and optional covers before purchase. The plan is better suited to customers who want a digitally managed policy rather than a product focused on specialised benefits.

Pros

100% digital and paperless purchase and servicing experience.
Cashless treatment available through 9,000+ network hospitals across India.
No room-rent restriction highlighted for the current Digit health insurance offering.
No age-based or zone-based co-payment under the current health insurance offering.
Hospitalisation, day-care, pre- and post-hospitalisation and ambulance benefits are available.
Organ donor and domiciliary hospitalisation benefits are included subject to policy terms.
Wellness benefits and digital health services are available through Digit and its wellness partners.

Cons

A 30-day initial waiting period can apply to non-accidental illnesses.
Pre-existing diseases generally carry a 3-year waiting period.
Specific illnesses and procedures can have waiting periods ranging from 1 to 3 years.
Some enhanced benefits require optional covers or specific plan configurations.
Coverage limits, waiting periods and benefit availability can vary according to the policy schedule.

About Go Digit (Insurer Profile)

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.

Digit Health Care Features and Benefits

Paperless Digital Experience

Purchase, policy servicing and claim processes can be managed digitally through Digit.

Designed for app-first customers.

9,000+ Network Hospitals

Cashless treatment is available across Digit's large network of hospitals in India.

Network availability should be checked before planned treatment.

No Room-Rent Restriction

The current Digit health insurance offering highlights no room-rent restriction.

Subject to the selected policy and policy terms.

No Age or Zone-Based Co-pay

Digit highlights no age-based or zone-based co-payment for its health insurance offering.

Other policy conditions and deductions may still apply.

In-Patient Hospitalisation

Eligible hospitalisation expenses are covered up to the applicable sum insured and policy limits.

Hospital admission requirements apply.

Day Care Procedures

Eligible treatments that do not require a 24-hour hospital stay can be covered.

Subject to the policy terms and eligible procedures.

Pre-Hospitalisation

Eligible medical expenses incurred before hospitalisation are covered for the period applicable to the selected plan.

The exact period is mentioned in the policy schedule.

Post-Hospitalisation

Eligible follow-up medical expenses after discharge are covered for the period applicable to the selected plan.

The exact period depends on the selected plan.

Road Ambulance

Emergency road ambulance expenses are covered subject to the applicable limit.

Limits depend on the policy terms.

Domiciliary Hospitalisation

Eligible treatment at home can be covered when hospitalisation is medically required but cannot be provided in a hospital.

Conditions for domiciliary treatment apply.

Organ Donor Expenses

Eligible expenses associated with organ donation can be covered according to the policy terms.

Applicable limits and conditions apply.

Initial Waiting Period

Non-accidental illnesses may be subject to an initial waiting period before becoming claimable.

Standard period is generally 30 days unless modified under applicable terms.

3-Year PED Waiting

Pre-existing diseases are generally subject to a 3-year waiting period.

Waiting period applies according to the policy schedule.

Specific Disease Waiting

Certain illnesses and procedures can have a waiting period of 1 to 3 years.

The exact conditions are defined in the policy wording.

Benefit Configuration

Some benefits and limits depend on the selected plan variant, optional cover and policy schedule.

Review the schedule before purchase.

Add-ons of Digit Health Care

Consumables Cover

Optional cover for eligible consumable medical items that may otherwise be excluded.

Availability and limits depend on eligibility and policy terms.

Waiting Period Modification

Optional modification can reduce selected initial, pre-existing disease or specific disease waiting periods subject to underwriting.

Modified periods are recorded in the policy schedule.

Waiting Periods in Digit Health Care

A 30-day initial waiting period generally applies to non-accidental illnesses. Pre-existing diseases are subject to a 3-year waiting period, while specific illnesses and procedures may have waiting periods of 1 to 3 years, depending on the policy terms and selected plan.

30 Days
Initial Waiting Period
Generally applies to non-accidental illnesses from the policy start date, subject to applicable plan terms and any selected modification.
3 Years
Pre-Existing Disease Waiting Period
Treatment related to declared and accepted pre-existing diseases is generally covered after completion of the applicable PED waiting period.
1–3 Years
Specific Illness Waiting Period
Certain specified illnesses and procedures have waiting periods that can range from 1 to 3 years.
As Per Schedule
Enhanced / Optional Cover Waiting
Certain optional or enhanced benefits can have their own waiting period or eligibility requirements.

What Digit Health Care Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Treatment during the applicable initial waiting period for non-accidental illness.
Pre-existing disease treatment during the applicable PED waiting period.
Specified illnesses and procedures during their applicable waiting period.
Treatment or expenses specifically excluded under the policy wording or policy schedule.
Expenses falling outside the selected coverage, limits or eligibility conditions.
Non-medical expenses that are not covered under the applicable policy terms or selected cover.
Treatment not medically necessary or not supported by required documentation.
Expenses related to conditions or services specifically listed under standard exclusions.
Benefits not selected or not available under the applicable plan configuration.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness Waiting Period in Digit Health Care

The policy can cover hospitalisation arising from illness, accident and eligible medical conditions, along with day-care procedures and other covered treatments. Specific illnesses, pre-existing diseases and certain procedures remain subject to applicable waiting periods, exclusions, medical underwriting and the policy schedule.

Hospitalisation due to eligible illnesses.
Hospitalisation due to accidental injury.
Critical illness-related hospitalisation, subject to policy terms.
COVID-19-related eligible hospitalisation, subject to policy terms.
Eligible psychiatric illness hospitalisation where the selected plan provides the benefit.
Eligible conditions requiring day-care procedures.
Eligible conditions requiring domiciliary hospitalisation.

What's missing in Digit Health Care

The base policy should not be assumed to include every optional cover available on Digit.
Maternity and newborn benefits are not currently available as a standard add-on with Digit health plans.
Certain higher-level benefits may depend on the selected plan variant and policy schedule.
Worldwide treatment is associated with the Worldwide Treatment Plan rather than being a universal base feature.
Benefit limits and eligibility conditions can apply even where a coverage category is available.

Insurer

Go Digit plans and claim process

Digit Health Care FAQs

What is Digit Health Care?

Digit Health Care is the CMS-facing name used here for the Digit health insurance offering shown on the plan card. The underlying Digit Health Insurance product provides hospitalisation and related health benefits subject to the selected plan and policy schedule.

What is the coverage shown for Digit Health Care?

The plan card is configured with a coverage range of ₹2 lakh to ₹25 lakh. The exact sum insured available to an individual depends on the options offered and selected at purchase.

Does Digit Health Care have a room-rent limit?

Digit currently highlights no room-rent restriction on its health insurance offering. The exact applicable terms should still be checked in the policy schedule.

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.