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Digit Health Plus Policy (Revision) is a broad health insurance product with multiple coverage sections that can be selected according to the policy schedule. Its core structure includes accidental and illness hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, road ambulance and alternate treatment through AYUSH. Depending on the sections opted for, the policy can also provide maternity and newborn baby cover, infertility treatment, health check-up, second medical opinion, long hospitalisation cash benefit, sum insured refill, daily hospital cash, critical illness benefit, critical illness hospitalisation, cancer hospitalisation and other benefits. Exact coverage depends on the sections selected and the issued policy schedule.
A comprehensive health insurance policy with hospitalisation, maternity, critical illness, health check-up and multiple optional benefit sections.
Digit Health Plus is best viewed as a customisable, feature-rich health insurance product rather than a simple base hospitalisation plan. Its strength is the range of optional sections: maternity and newborn cover, health check-up, second medical opinion, sum insured refill, daily hospital cash and critical illness-related benefits can be added according to the policy schedule. The policy also provides accidental and illness hospitalisation with day-care, pre/post hospitalisation, ambulance and AYUSH coverage. The main trade-off is complexity: many benefits are optional, have their own limits, waiting periods and eligibility conditions. Room-rent limits can also apply where a room limit is selected, and several benefits are subject to separate exclusions and policy-specific conditions.
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.
The main hospitalisation section can cover medically necessary treatment for eligible accidents and illnesses.
Coverage depends on the section selected and policy schedule.
The optional maternity section covers eligible delivery expenses and can also cover newborn treatment and specified vaccinations.
Waiting period and benefit limits apply.
The selected refill benefit can refill 100% of the utilised sum insured subject to its trigger conditions.
Generally applies to a subsequent unrelated hospitalisation unless specifically waived.
Eligible renewals can receive a health check-up benefit without deducting the payment from the sum insured.
Conditions including age and continuous renewal apply.
Eligible procedures completed in less than 24 hours because of technological advancement can be covered.
Treatment normally taken on an outpatient basis is not included.
Optional section covering eligible maternity expenses, newborn treatment and specified newborn vaccinations.
Waiting period and limits apply.
Optional benefit that pays the selected sum insured when an eligible first-time critical illness or covered surgical procedure is diagnosed.
Initial waiting, 30-day survival and other conditions apply.
The policy wording provides a 30-day initial waiting period for illness-related treatment unless the claim arises from an accident or the waiting period has been modified in the policy schedule. Specific illnesses/treatments can carry waiting periods up to 36 months, while pre-existing disease waiting periods and optional-benefit waiting periods are governed by the applicable policy schedule.
Initial Waiting Period
Illness-related treatment during the first 30 days is generally excluded, except where the applicable policy terms provide otherwise, including eligible accident claims.
Specific Illness Waiting Period
Specific illnesses and treatments can have waiting periods of up to 36 months depending on the condition and policy schedule.
Pre-Existing Disease Waiting
Pre-existing disease coverage is subject to the waiting period specified in the issued policy schedule and applicable continuity credits.
Maternity Waiting Period
Conditions or treatments that the policy clearly says it will not cover.
The policy can cover eligible treatment arising from accidents and illnesses under the selected hospitalisation section. It also has separate benefit sections for critical illnesses, cancer and other specified medical conditions. Critical illness benefit claims have additional conditions including an initial waiting period, first-occurrence requirement and survival period, while pre-existing conditions are subject to the applicable policy terms.
Insurer
Go Digit plans and claim process
Digit Health Plus Policy (Revision) is a customisable health insurance product with hospitalisation and multiple optional benefit sections. The exact benefits available to a policyholder depend on the sections selected and the issued policy schedule.
The policy can cover eligible accidental and illness hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, road ambulance and AYUSH treatment. Additional sections can provide maternity, newborn, critical illness, cancer, health check-up, second opinion and other benefits.
Yes, maternity and newborn baby coverage is available as a separate benefit section when opted for. The policy provides a waiting period and limits, and maternity cover is limited to up to two living children under the stated conditions.
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 refill section that can restore 100% of utilised sum insured when its conditions are satisfied.
Trigger and related-illness conditions apply.
Maternity waiting period is selected and recorded in the policy schedule and applies from the applicable policy inception/continuity date.
Yes, if the Sum Insured Refill section has been selected. The policy wording provides for a 100% refill of the utilised sum insured subject to conditions, including restrictions around related hospitalisation and the same claim.
Yes, the policy contains separate Critical Illness Benefit and Critical Illness Hospitalization sections. Coverage applies only when the relevant section is selected and its specific conditions are satisfied.
The policy wording specifies a 30-day initial waiting period for illness-related treatment from the first policy commencement date, with an exception for eligible accident claims. The waiting period can be reduced where such modification is selected and recorded in the policy schedule.
Yes. On eligible continuous renewals, the policy provides a complimentary health check-up benefit for insured persons above 18 years, subject to the conditions and limits in the policy schedule.
Yes. For eligible cancer or major illness cases requiring tertiary care, Digit can arrange and bear the cost of one second medical opinion from a panel medical practitioner during the policy period.