Does Senior Priority cover organ donor expenses?

Yes. Organ donor expenses are covered up to the Sum Insured according to the plan chart and applicable policy terms.

Does Senior Priority include emergency air ambulance?

No. Emergency Air Ambulance is listed as not applicable for Senior Priority in the Digit plan chart.

Does Senior Priority include worldwide treatment?

No. Worldwide Coverage is not included under the Senior Priority plan.

Digit Senior Priority Plan – Senior Health Insurance up to ₹3 Crore

Q: How often is the health check-up available?

The plan provides a health check-up benefit once every year, capped at ₹1,500.

Q: Does Senior Priority cover domiciliary hospitalisation?

Yes. Eligible domiciliary hospitalisation expenses are covered up to the Sum Insured.

Digit Senior Priority Plan – Senior Health Insurance up to ₹3 Crore

Senior Priority Plan Overview

Digit Senior Priority Plan is designed for customers looking for comprehensive health insurance protection with high Sum Insured choices. The plan supports Sum Insured options up to ₹3 crore and provides no restriction on room rent for inpatient hospitalisation. It includes day care procedures, pre and post hospitalisation, road ambulance, bariatric surgery, psychiatric illness treatment, health check-up, domiciliary hospitalisation, AYUSH hospitalisation and organ donor expenses. The plan also provides a Sum Insured backup benefit once during the policy period for related and unrelated illness. Optional covers include consumables, network hospital discount, waiting-period modification, Sum Insured multiplier, health check-up from Day One and other enhanced benefits.

A Digit health plan with high Sum Insured options, no room-rent restriction, senior-focused coverage and annual health check-up benefits.

Expert Review of Senior Priority Plan

Senior Priority is suitable for customers who want substantial medical coverage with high Sum Insured options and broad hospitalisation benefits. The plan offers no room-rent restriction and a yearly health check-up benefit up to ₹1,500, which can be useful for ongoing preventive monitoring. Its Sum Insured backup provides another layer of protection once the original Sum Insured is exhausted, including for related and unrelated illness. However, customers should pay close attention to the applicable waiting periods, policy exclusions, deductibles or underwriting conditions and the exact benefits selected in the policy schedule. The plan should not be treated as automatically covering every senior-specific medical expense.

Pros

Sum Insured options available up to ₹3 Crore
No restriction on room rent
100% Sum Insured backup once during the policy period
Backup applies to related and unrelated illness
Annual health check-up up to ₹1,500
Domiciliary hospitalisation covered up to Sum Insured
Organ donor expenses covered up to Sum Insured

Cons

Health check-up benefit is capped at ₹1,500
Road ambulance is limited to 1% of Sum Insured subject to ₹10,000 maximum
Waiting periods apply to applicable diseases and treatments
Exact coverage depends on the policy schedule and selected configuration
In-built Personal Accident benefit is not available under Senior Priority

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.

Senior Priority Plan Features and Benefits

Up to ₹3 Crore Sum Insured

The plan provides Sum Insured options up to ₹3 Crore.

Exact Sum Insured is selected in the policy schedule.

No Room-Rent Restriction

Inpatient hospitalisation has no restriction on room rent under the Senior Priority plan.

Subject to applicable policy terms.

100% Sum Insured Backup

The plan provides backup up to the Sum Insured once during the policy period for related and unrelated illness.

Subject to policy conditions.

Annual Health Check-up

Health check-up benefit is available once every year up to ₹1,500.

Limited to 0.25% of Sum Insured subject to ₹1,500 maximum.

In-Patient Hospitalisation

Eligible inpatient hospitalisation expenses are covered up to the applicable Sum Insured.

Day Care Procedures

Eligible day care procedures are covered up to the Sum Insured.

Pre-Hospitalisation

Eligible expenses incurred up to 30 days before hospitalisation are covered.

Post-Hospitalisation

Eligible expenses incurred up to 60 days after hospitalisation are covered.

Road Ambulance

Road ambulance expenses are covered at 1% of Sum Insured subject to a maximum of ₹10,000.

Domiciliary Hospitalisation

Eligible home or domiciliary hospitalisation expenses are covered up to the Sum Insured.

AYUSH Hospitalisation

Eligible AYUSH hospitalisation expenses are covered up to the Sum Insured.

No In-built Personal Accident

Senior Priority does not include an in-built Personal Accident benefit.

This benefit is listed as not applicable in the plan chart.

No Emergency Air Ambulance

Emergency Air Ambulance is not included in the base Senior Priority plan.

No Worldwide Coverage

Worldwide treatment coverage is not included under Senior Priority.

Health Check-up Cap

Annual health check-up is limited to ₹1,500.

The benefit is capped at 0.25% of Sum Insured subject to ₹1,500.

Add-ons of Senior Priority Plan

Consumables Cover

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

Available subject to policy terms.

Waiting Period Modification

Optional modification may be available for applicable waiting periods.

Subject to eligibility and underwriting.

Waiting Periods in Senior Priority Plan

Initial, pre-existing disease and specific illness waiting periods apply according to the policy wording and policy schedule. Waiting-period modification may be available as an optional cover subject to eligibility and underwriting.

Initial
Initial Waiting Period
Non-accidental illnesses are subject to the applicable initial waiting period from policy inception.
Up to 3 Years
Pre-Existing Disease Waiting Period
Pre-existing diseases are covered after completion of the applicable waiting period specified in the policy schedule.
1–3 Years
Specific Illness Waiting Period
Certain specified illnesses and procedures may have separate waiting periods according to policy terms.
As Applicable
Waiting Period Modification
A waiting-period modification option may be available subject to eligibility and underwriting.

What Senior Priority Plan Does Not Cover (Exclusions)

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

Treatment during the applicable initial waiting period except eligible accidental treatment
Pre-existing diseases during their applicable waiting period
Specified illnesses and procedures during their applicable waiting period
Maternity and newborn expenses under the Senior Priority base plan
Worldwide treatment expenses under the Senior Priority base plan
Emergency air ambulance expenses under the base Senior Priority plan
Non-medical expenses not covered under the selected policy configuration
Treatment not medically necessary or not admissible under policy terms
Expenses exceeding applicable benefit-specific or Sum Insured limits

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

Specific Illness Waiting Period in Senior Priority Plan

The plan covers eligible illnesses and injuries requiring inpatient hospitalisation, day care procedures, domiciliary treatment and other covered medical services. Psychiatric illness, bariatric surgery, AYUSH hospitalisation and organ donor expenses are also included according to the plan chart and applicable policy conditions.

Illness requiring eligible inpatient hospitalisation
Accidental injuries requiring hospitalisation
Eligible psychiatric illness requiring covered treatment
Conditions requiring eligible day care procedures
Eligible conditions requiring domiciliary hospitalisation
Eligible conditions requiring AYUSH hospitalisation
Eligible conditions requiring bariatric surgery subject to policy terms

What's missing in Senior Priority Plan

In-built Personal Accident cover is not available
Emergency Air Ambulance is not included in the Senior Priority base plan
Maternity and newborn benefit is not applicable to Senior Priority
Worldwide Coverage is not included in the Senior Priority plan
Health check-up is limited to ₹1,500 once every year

Insurer

Go Digit plans and claim process

Senior Priority Plan FAQs

What is Digit Senior Priority Plan?

Senior Priority Plan is a Digit health insurance plan with high Sum Insured options designed for customers seeking broad hospitalisation and healthcare protection.

What is the maximum Sum Insured?

The plan offers Sum Insured options up to ₹3 Crore.

Does Senior Priority have a room-rent restriction?

No. The plan chart specifies no restriction on room rent for inpatient hospitalisation.

How often is the health check-up available?

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.