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Digit Infinity Wallet is the high-coverage variant of Digit Health Insurance, designed for customers who want a large base sum insured together with unlimited restoration of the sum insured during the policy period. The plan supports sum insured options up to ₹3 crore and provides core hospitalisation protection including inpatient hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, road ambulance, domiciliary hospitalisation, AYUSH treatment and organ donor expenses, subject to the selected policy terms. It also includes an in-built personal accident benefit and is designed around Digit's digital servicing experience.
Unlimited restoration of sum insured after every claim, no room-rent capping, no age or zone-based co-payment and in-built personal accident cover.
Digit Infinity Wallet stands out because its defining benefit is unlimited sum insured backup during the policy period. Unlike a conventional single-use restoration benefit, Digit's policy wording describes unlimited reinstatement for Infinity Wallet, including related and unrelated illnesses and without an exhaustion clause. The plan also provides no room-rent restriction and an in-built ₹1 lakh personal accident benefit. This makes it particularly suitable for customers prioritising high medical protection and repeated claims in the same policy year. The trade-off is that waiting periods, exclusions, policy limits and underwriting conditions still apply, so unlimited restoration should not be interpreted as unlimited treatment cost for every claim or every type of expense.
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.
Infinity Wallet provides unlimited sum insured backup during the policy period.
Applies according to the policy wording and applicable conditions.
The unlimited reinstatement benefit can be used for related as well as unrelated illnesses.
Subject to the policy terms.
The Infinity Wallet backup is designed without an exhaustion clause under the applicable policy wording.
The underlying policy exclusions and conditions continue to apply.
Infinity Wallet includes an in-built personal accident benefit of ₹1 lakh.
Coverage is subject to the applicable terms and conditions.
Eligible inpatient hospitalisation expenses are covered up to the applicable sum insured and policy limits.
Hospitalisation must satisfy the policy requirements.
Optional cover for eligible consumable medical items that may otherwise fall outside the base coverage.
Availability is subject to eligibility and underwriting.
Optional network hospital discount benefit available subject to the selected cover and network conditions.
Check eligible network hospitals before relying on the discount.
A 30-day initial waiting period generally applies to non-accidental illnesses. Pre-existing diseases are generally subject to a 3-year waiting period, while specified illnesses and procedures may have their own waiting periods under the policy wording. Optional waiting-period modification may be available subject to underwriting and eligibility.
Initial Waiting Period
Generally applies to non-accidental illnesses from the policy start date.
Pre-Existing Disease Waiting Period
Pre-existing diseases are generally covered after completion of the applicable PED waiting period.
Specific Illness Waiting Period
Certain specified illnesses and procedures may have separate waiting periods depending on the policy terms.
Modified Waiting Period
Selected waiting periods may be modified through an optional cover where offered and approved.
Conditions or treatments that the policy clearly says it will not cover.
Infinity Wallet covers eligible hospitalisation arising from illness, accident and other covered medical conditions. Digit's current health insurance information also describes coverage for hospitalisation related to critical illness and COVID-19, subject to policy terms. Specific diseases, pre-existing conditions and certain treatments remain subject to applicable waiting periods and exclusions.
Insurer
Go Digit plans and claim process
Digit Infinity Wallet is a high-coverage variant of Digit Health Insurance that provides unlimited sum insured backup during the policy period, along with core hospitalisation benefits and an in-built personal accident cover.
Digit's policy documents provide sum insured options up to ₹3 crore. The actual sum insured available depends on the options offered, underwriting and the policy selected.
After an eligible claim uses part or all of the base sum insured, the Infinity Wallet benefit provides additional sum insured backup during the policy period. Digit describes this as unlimited reinstatement for related and unrelated illnesses without an exhaustion clause, subject to the policy terms.
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 modification may reduce selected initial, pre-existing disease or specific disease waiting periods.
Subject to underwriting, eligibility and the policy schedule.
Digit's policy wording lists no restriction on room rent for the Infinity Wallet Plan, subject to the terms of the issued policy.
Digit currently highlights no age-based or zone-based co-payment on its health insurance offering. Other policy conditions and applicable deductions should still be checked in the policy schedule.
Yes. The policy chart lists an in-built personal accident benefit of ₹1 lakh for the Infinity Wallet Plan, subject to the applicable terms.
No. Pre-existing diseases are generally subject to the applicable waiting period. The standard policy information indicates a 3-year PED waiting period unless a permitted modification applies.
Maternity and newborn cover is not listed as a standard benefit of the Infinity Wallet Plan in the policy chart. The maternity wallet is associated with specific plan configurations such as the Early Start Plan.