Does Digit Health Care Plus cover infertility treatment?

Yes. The current policy wording contains an Infertility Treatment Cover section. Eligible hospitalised infertility or subfertility treatments such as IVF, IUI, ZIFT and ICSI can be covered when the section is opted for and its conditions are met.

Does Digit Health Care Plus have sum insured refill?

Yes. Sum Insured Refill Benefit is one of the available sections. The refill frequency and applicable conditions depend on the option selected and the policy schedule.

Does Digit Health Care Plus cover critical illness?

Yes. The current policy wording has separate Critical Illness Benefit and Critical Illness Hospitalization sections. Coverage is subject to the selected section and its disease definitions, waiting periods and other conditions.

Does Digit Health Care Plus include wellness benefits?

Yes. Wellness Benefit Program is included in the current policy wording, alongside a Health Check-up Cover from Day One section. Exact eligibility depends on the applicable policy terms.

Are all benefits automatically included in Digit Health Care Plus?

No. The policy wording specifically states that only sections mentioned in the Policy Schedule are applicable. Therefore, customers should check the final schedule to confirm which optional benefits have actually been selected.

Digit Health Care Plus Health Insurance: Benefits, Coverage & Waiting Periods

Digit Health Care Plus Overview

Digit Health Care Plus is a highly customisable health insurance product designed around both core hospitalisation and additional health benefits. The current policy wording includes hospitalisation cover with day-care, pre- and post-hospitalisation, dental treatment following eligible accidental injury, road ambulance, bariatric surgery, psychiatric illness, health check-up and second medical opinion. Depending on the sections selected in the policy schedule, customers can also get maternity and newborn cover, infertility treatment, OPD, domiciliary hospitalisation, sum insured refill, daily hospital cash, critical illness, cancer, woman cancer, emergency air ambulance and wellness benefits. Several enhanced benefits are optional or subject to specific conditions.

A customisable health insurance plan combining hospitalisation, OPD, maternity, refill, critical illness, cancer and wellness benefits.

Expert Review of Digit Health Care Plus

Digit Health Care Plus stands out for the breadth of its customisation. Instead of relying only on hospitalisation cover, the product allows customers to build a broader health package around OPD, maternity, infertility treatment, critical illness, cancer, refill, health check-up and wellness benefits. The current policy wording also includes emergency air ambulance, organ donor and domiciliary hospitalisation sections. The main consideration is complexity: the availability, limits, waiting periods, deductibles and co-payments of many benefits depend on what is selected in the policy schedule. Customers should therefore evaluate the final schedule rather than assuming every section in the policy wording is automatically active.

Pros

Wide range of customisable health benefits beyond basic hospitalisation.
OPD benefit can cover eligible outpatient treatment through network medical practitioners.
Maternity and newborn baby cover is available as a selectable benefit.
Sum insured refill can restore utilised coverage subject to the selected option and conditions.
Critical illness and cancer benefit sections provide additional protection when selected.
Current policy wording includes emergency air ambulance, organ donor and domiciliary hospitalisation sections.
Wellness benefits and health check-up options add preventive-care features to the policy.

Cons

Many enhanced benefits are optional and only apply when specifically selected.
OPD can involve a co-payment depending on the basis selected.
Maternity and infertility benefits have separate waiting periods and eligibility conditions.
Critical illness benefits have specific diagnosis, first-occurrence and survival conditions.
The final premium and benefit structure can vary considerably according to selected covers and underwriting.

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 Plus Features and Benefits

Customisable Coverage

The policy offers a broad range of sections so customers can build coverage around their needs.

Only sections shown in the policy schedule are applicable.

OPD Benefit

Eligible allopathic outpatient expenses can be covered when the OPD section is selected.

Treatment must generally be taken from a network medical practitioner and selected co-payment basis applies.

Maternity & Newborn Cover

The policy provides a separate maternity and newborn baby section with coverage subject to the selected sum insured and waiting period.

Applicable limits and conditions apply.

Sum Insured Refill

The refill section can restore utilised sum insured according to the selected option.

Refill frequency and conditions are recorded in the policy schedule.

Hospitalisation Cover

Eligible accidental and illness hospitalisation expenses are covered under the applicable section.

Coverage is subject to sum insured and policy conditions.

Day Care Procedures

Eligible procedures completed in less than 24 hours because of technological advancement are covered.

The treatment must satisfy the policy definition of day-care treatment.

Pre-Hospitalisation

Eligible medical expenses incurred before covered hospitalisation are payable for the period specified in the policy schedule.

Applicable limits and conditions apply.

Post-Hospitalisation

Eligible medical expenses incurred after discharge are covered according to the applicable policy section.

The policy can also provide a post-hospitalisation lump-sum benefit where selected.

Emergency Air Ambulance

Eligible emergency air ambulance expenses can be covered under the applicable section.

Subject to policy terms and limits.

Critical Illness Cover

The policy provides separate critical illness benefit and critical illness hospitalisation sections.

Specific disease definitions, waiting and survival conditions apply.

Wellness & Health Check-up

The product includes wellness benefits and a health check-up section under the applicable policy configuration.

Benefit eligibility depends on the selected section and policy terms.

OPD Co-payment

Under the applicable OPD Basis 1 option, a 25% co-payment applies in the first year and 10% on the first renewal before becoming nil from the second renewal if continuously renewed.

Basis 2 can provide nil co-payment where selected.

Maternity Waiting Period

Maternity benefits are subject to a waiting period selected and recorded in the policy schedule.

The benefit is not immediately available from policy inception in standard configurations.

Critical Illness Conditions

Critical illness benefits have specific diagnosis, first-occurrence, survival and other eligibility requirements.

A diagnosis alone does not automatically guarantee payment.

Selected Benefits Only

The policy wording contains numerous sections, but only the sections shown as opted in the policy schedule apply.

Always verify the final schedule before purchase or claim.

Add-ons of Digit Health Care Plus

Payment of Non-Medical Expenses

Optional cover can pay eligible non-medical expenses that would otherwise be excluded, subject to the selected percentage and policy conditions.

The applicable percentage is recorded in the policy schedule.

Cumulative Bonus Protection

Optional cover designed to protect the accumulated cumulative bonus under the applicable conditions.

Availability and limits depend on the selected cover.

Waiting Periods in Digit Health Care Plus

Waiting periods vary by benefit. A 30-day initial waiting period generally applies to illness-related hospitalisation. Pre-existing disease and specific illness waiting periods depend on the applicable policy terms and policy schedule. Maternity, infertility and other optional sections can carry their own waiting periods.

30 Days
Initial Waiting Period
Illness-related hospitalisation is generally subject to an initial waiting period, while eligible accident claims are treated separately.
As Per Policy Schedule
Pre-Existing Disease Waiting
Treatment related to accepted pre-existing diseases is covered after completion of the waiting period stated in the policy schedule.
1–3 Years
Specific Illness Waiting
Certain specified illnesses and procedures can have waiting periods of 1 to 3 years depending on the applicable policy terms.
As Selected
Maternity / Infertility Waiting
Maternity and infertility treatment sections carry separate waiting periods that are selected and recorded in the policy schedule.

What Digit Health Care Plus Does Not Cover (Exclusions)

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

Illness-related treatment during the applicable initial waiting period.
Pre-existing disease treatment during the applicable waiting period.
Specified illnesses and procedures during their applicable waiting period.
Expenses for benefits or sections that have not been selected in the policy schedule.
Treatment or expenses falling outside applicable benefit limits, deductibles or co-payment conditions.
Non-medical expenses not covered under the applicable selected cover.
Treatment that does not satisfy the policy definition of medically necessary treatment.
Experimental or unproven treatment not covered under the policy terms.
Conditions, treatments and expenses specifically excluded under the policy wording.

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

Specific Illness Waiting Period in Digit Health Care Plus

Eligible hospitalisation due to accidental injury or illness is covered under the applicable hospitalization section. The policy also provides separate sections for critical illness, cancer and woman cancer benefits. These benefits have their own definitions, eligibility conditions and waiting or survival requirements where applicable.

Eligible illness-related hospitalisation.
Eligible accidental injury requiring hospitalisation.
Eligible psychiatric illness requiring covered hospitalisation.
Eligible bariatric surgery subject to policy conditions.
Specified critical illnesses covered under the selected critical illness benefit.
Specified cancer conditions covered under the selected cancer benefit.
Eligible woman-specific cancer conditions under the Woman Cancer Benefit.

What's missing in Digit Health Care Plus

The policy wording contains many sections, but only benefits listed in the issued policy schedule are applicable.
OPD cover may have a 25% co-payment in the first year and 10% on first renewal under Basis 1.
Maternity and infertility treatment are subject to their own waiting periods and section-specific limits.
Critical illness and cancer benefits do not automatically cover every diagnosis; policy definitions and eligibility conditions apply.
Optional covers such as cumulative bonus protection, unused sum insured and other enhancements require selection and eligibility.

Insurer

Go Digit plans and claim process

Digit Health Care Plus FAQs

What is Digit Health Care Plus?

Digit Health Care Plus is a customisable health insurance policy offering core hospitalisation together with optional or selectable benefits such as OPD, maternity, infertility treatment, refill, critical illness, cancer and wellness benefits.

Does Digit Health Care Plus cover OPD?

Yes. OPD is available as a separate benefit section. The current policy wording provides two co-payment bases, including a Basis 2 option with nil co-payment and a Basis 1 option with 25% co-payment in the first year and 10% on first renewal.

Does Digit Health Care Plus cover maternity?

Yes. Maternity and newborn baby cover is available as a separate section when selected. Its sum insured, waiting period and other conditions are recorded 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.