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Digit Worldwide Treatment Plan is designed for customers who want the flexibility to receive eligible medical treatment outside India. Under the Worldwide Coverage section, treatment abroad is covered when the illness is diagnosed by a doctor in India and the insured travels outside India specifically for that treatment. The worldwide benefit covers eligible inpatient hospitalisation, day care procedures and organ donor expenses up to the Sum Insured specified in the policy schedule. The plan also provides core health insurance benefits in India, including hospitalisation, day care, domiciliary treatment, AYUSH hospitalisation, organ donor expenses and a Sum Insured backup benefit.
A global health insurance option covering eligible treatment abroad when the illness is diagnosed in India, with worldwide coverage up to the selected Sum Insured.
Worldwide Treatment is the strongest Digit option for customers who specifically value access to eligible treatment outside India. Its biggest differentiator is the Worldwide Coverage section, which can reimburse eligible medical expenses abroad up to the selected Sum Insured. The important condition is that the illness must first be diagnosed in India and prior approval is required before treatment abroad. The overseas section is also limited to defined coverages rather than acting as unrestricted international medical insurance. For treatment in India, the plan provides 100% Sum Insured backup once during the policy period for related and unrelated illness, along with no room-rent restriction.
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.
Eligible medical treatment outside India is covered up to the Sum Insured specified against the Worldwide Coverage section.
Illness must be diagnosed in India before travelling for treatment.
The plan provides 100% of the Sum Insured as backup under the hospitalisation section once during the policy period.
Applies according to the selected plan and policy terms.
Eligible inpatient hospitalisation is covered without a room-rent restriction.
Subject to the policy schedule and applicable terms.
Emergency air ambulance is covered up to the Sum Insured under the plan chart.
Subject to 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 eligibility and policy terms.
Optional modification may be available for applicable initial, specific disease and pre-existing disease waiting periods.
Subject to eligibility and underwriting.
Initial waiting period applies to non-accidental illnesses. Pre-existing diseases and specified illnesses are subject to applicable waiting periods. Waiting-period modification may be available as an optional cover subject to eligibility and underwriting.
Initial Waiting Period
Non-accidental illnesses are subject to the applicable initial waiting period from policy inception.
Pre-Existing Disease Waiting Period
Pre-existing diseases are covered after completion of the applicable waiting period specified in the policy schedule.
Specific Illness Waiting Period
Certain specified illnesses and procedures may have a separate waiting period according to the policy terms.
Waiting Period Modification
A waiting-period modification option may be available subject to eligibility and underwriting.
Conditions or treatments that the policy clearly says it will not cover.
The plan covers eligible hospitalisation arising from illness, accident and critical illness. Treatment can be received in India under the standard hospitalisation section, while eligible treatment abroad is available when the illness has been diagnosed in India and the worldwide treatment conditions are satisfied.
Insurer
Go Digit plans and claim process
It is a Digit health insurance plan that provides eligible medical treatment outside India when the illness has been diagnosed in India and the applicable worldwide treatment conditions are satisfied.
Yes. Eligible medical expenses incurred outside India can be covered up to the Sum Insured specified under the Worldwide Coverage section.
No. The policy requires the illness to be diagnosed in India and prior approval to be obtained before treatment outside India.
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 Worldwide Coverage section covers eligible inpatient hospitalisation, day care procedures and organ donor expenses.
Worldwide claims are payable on reimbursement basis. Cashless treatment, if available, is decided on a case-by-case basis.
Worldwide Coverage is available up to the Sum Insured specified against that section in the policy schedule, with the plan allowing Sum Insured options up to ₹3 Crore.
Yes. The plan provides 100% of the Sum Insured as backup once during the policy period for related and unrelated illness, subject to the applicable conditions.
No. The policy specifically states that the backup Sum Insured can be utilised only for hospitalisation in India.