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Digit Early Start Plan is designed for young individuals who want to purchase health insurance early and plan ahead for future family needs. Its key differentiators are a shorter 1-year waiting period for pre-existing diseases and an auto-boost maternity wallet with a 9-month waiting period. The maternity wallet starts at ₹15,000 and increases by ₹10,000 for every maternity claim-free year, up to ₹1,00,000. The plan also provides core health insurance benefits including inpatient hospitalisation, day care procedures, pre and post hospitalisation, domiciliary treatment, AYUSH hospitalisation, organ donor expenses and a Sum Insured backup benefit.
A health plan designed for young buyers with a shorter 1-year pre-existing disease waiting period and an auto-boost maternity wallet starting at ₹15,000.
Early Start is particularly relevant for young buyers who expect maternity requirements in the next few years. The 9-month maternity waiting period is its strongest differentiator, while the 1-year PED waiting period is shorter than the standard waiting period available under the broader Digit Health Insurance Policy. The maternity wallet also increases after each claim-free year, giving customers an opportunity to build a larger maternity benefit over time. However, the maternity wallet is a defined benefit rather than unlimited maternity cover, and the plan should be evaluated carefully for its maternity limits, waiting periods, exclusions and applicable policy 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.
Pre-existing diseases become eligible after a 1-year waiting period.
This is a key Early Start differentiator.
The maternity benefit wallet becomes available after a 9-month waiting period.
Subject to maternity benefit terms.
The maternity wallet starts at ₹15,000 and increases by ₹10,000 for each maternity claim-free year.
Maximum wallet is ₹1,00,000.
The plan provides backup equal to the Sum Insured once during the policy period for related and unrelated illness.
Subject to applicable policy conditions.
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 availability and policy terms.
Optional modification may be available for applicable initial, specific disease or pre-existing disease waiting periods.
Subject to eligibility and underwriting.
Initial waiting period applies to non-accidental illnesses. Early Start specifically provides a 1-year waiting period for pre-existing diseases. The maternity wallet has a 9-month waiting period. Other specified conditions may have their applicable waiting periods.
Initial Waiting Period
Non-accidental illnesses are subject to the applicable initial waiting period from policy inception.
Pre-Existing Disease Waiting Period
Early Start provides a shorter 1-year waiting period for pre-existing diseases.
Maternity Waiting Period
The maternity benefit wallet becomes available after completion of the 9-month waiting period.
Specific Illness Waiting Period
Certain specified illnesses and procedures may have separate waiting periods according to the policy terms.
Conditions or treatments that the policy clearly says it will not cover.
The plan covers eligible medical conditions requiring inpatient hospitalisation, day care treatment, domiciliary treatment and other covered medical services. Maternity and newborn benefits are available through the dedicated maternity benefit wallet subject to its waiting period and applicable terms.
Insurer
Go Digit plans and claim process
Digit Early Start Plan is a health insurance plan designed for young individuals who want shorter waiting periods for pre-existing diseases and maternity benefits.
The Early Start Plan has a 1-year waiting period for pre-existing diseases.
The maternity benefit wallet has a 9-month waiting 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 for treatment at eligible network hospitals.
Subject to applicable terms.
The maternity wallet starts at ₹15,000.
For every maternity claim-free year, ₹10,000 is added to the maternity wallet, subject to the applicable policy terms.
The maternity wallet can increase up to a maximum of ₹1,00,000.
Yes. The plan provides backup up to the Sum Insured once during the policy period for related and unrelated illness, subject to policy conditions.
It is particularly suited to young individuals who want to purchase health insurance early and plan for family and maternity needs in the coming years.