About Digit Health Insurance

Digit Health Insurance Plans Summary

Digit Health Insurance provides comprehensive coverage for you and your family, offering protection against basic healthcare expenses. Explore the top health insurance plans offered by the insurer:

• Digit Healthcare Plus Policy: This policy ensures coverage for a range of medical expenses during hospitalization. Available for a policy term of 1, 2, or 3 years, individuals between the ages of 1 and 65 can enroll. The policy covers in-patient hospitalization expenses, daycare procedures, pre and post-hospitalization expenses, dental treatment due to accidents, road ambulance expenses, second e-opinion expenses, bariatric surgery expenses, AYUSH treatments, and complementary health check-ups.
• Digit Arogya Sanjeevani Policy: The Digit Arogya Sanjeevani Policy offers affordable health insurance coverage for basic healthcare expenses during hospitalization. Eligible for individuals aged between 3 months and 65 years, it provides a choice of sum insured options ranging from Rs. 1 lakh to Rs. 5 lakh. The policy has a one-year validity and requires annual renewal. It covers in-patient hospitalization expenses, pre and post-hospitalization expenses, road ambulance expenses, AYUSH treatment expenses, and daycare treatment expenses.

Digit Health Insurance prioritizes your well-being by offering robust coverage through these top-notch health insurance plans.

Why Choose Digit Health Insurance?

Digit Health Insurance is a popular choice among individuals for the following compelling reasons:

• Extensive Network of 5,900+ Hospitals: With a wide network of over 5,900 hospitals, Digit General Insurance ensures convenient access to cashless treatment facilities for the insured. Additionally, their straightforward claim settlement process adds to the ease and satisfaction of customers.
• Impressive Claim Settlement Ratio: In the financial year 2019-2020, Digit General Insurance achieved an impressive Claim Settlement Ratio of 63.56% for health insurance claims, reflecting their commitment to efficiently resolving customer claims.
• Recipient of Asia's General Insurance Company of The Year 2019: Despite being operational for just a few years, Digit General Insurance was honored with the prestigious Asia's General Insurance Company of the Year Award in 2019. This recognition showcases their dedication to providing high-quality services.
• Expanding Customer Base of Over 50 Lakh Customers: Digit General Insurance Company continues to witness a growing customer base, with over 50 lakh customers placing their trust in the insurer. Moreover, the insurer boasts a Facebook rating of 4.8/5, the highest in the Indian insurance industry.

Digit Health Insurance stands out by offering efficient claim settlement, earning prestigious accolades, attracting a large customer base, and providing access to an extensive network of hospitals.

Key Benefits of Digit Health Insurance

Digit Health Insurance plans come with a range of benefits designed to meet your healthcare needs:

• 2X Sum Insured: In the unfortunate event of exhausting your sum insured due to previous claims during the policy term, Digit Health Insurance plans provide a unique feature of refilling your sum insured, ensuring you have coverage when you need it the most.
• No Room Rent Restriction: With Digit Health Insurance plans, you have the freedom to select any hospital room of your choice without any restrictions.
• Lifelong Renewability: Enjoy the advantage of lifelong renewability with Digit Health Insurance. Regardless of your age, you can renew your policy and continue to receive the benefits, as long as you pay the premiums on time.
• Portability Benefit: If you are dissatisfied with your current health insurance policy from another insurer, Digit Health Insurance plans offer you the convenience of portability. You can easily switch to Digit Health Insurance at the time of policy renewal, ensuring uninterrupted coverage with enhanced benefits.

Digit Health Insurance plans provide you with flexibility, peace of mind, and the ability to tailor your coverage to your specific needs. Experience the advantages of room choice, sum insured refill, lifelong renewability, and portability benefits with Digit Health Insurance.

Digit Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.
As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Digit Health Insurance in the last two financial years:

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. Digit Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

Digit Health Claim Process

Digit General Insurance offers a hassle-free and straightforward process for claim settlement under your Digit Health Insurance plan. You can choose between cashless and reimbursement claims. Here's a detailed explanation of both processes:

Cashless Claim Process

Step 1: Hospitalization and Informing the Insurer
Get admitted to a network hospital of your preference and provide your Health Card and ID proof to the hospital authorities. It's essential to inform the insurer within 72 hours for planned hospitalization and 24 hours for emergency hospitalization.

Step 2: Fill the Pre-Authorization Form
Obtain the pre-authorization form from the hospital and complete it accurately. Submit the form at the hospital's counter.

Step 3: Submission of Pre-Authorization Form
Ensure that the hospital shares the filled pre-authorization form with the Third Party Administrator (TPA) or the service provider for further processing.

Step 4: Claim Settlement
Upon verifying that your claim adheres to the terms and conditions of your Digit Health Insurance plan, the insurer will settle the claim after conducting a thorough investigation of your hospitalization.

Reimbursement Claim Process

Step 1: Hospitalization and Treatment
Get admitted to a non-network hospital of your choice and receive the necessary treatment. Additionally, notify the insurer within 48 hours of hospitalization.

Step 2: Settle Bills at the Hospital
Pay for the treatment expenses incurred during your hospital stay.

Step 3: Collect Relevant Documents
Gather all the essential documents related to your hospitalization and treatment.

Documents Required for Reimbursement Claim Settlement

To make a reimbursement claim under your Digit Health Insurance plan, you'll need to submit the following documents:

• Duly filled and signed claim form
• Discharge summary
• Original hospital bill
• Investigation reports
• Original pharmacy bills
• Prescriptions for medications
• Medical records

Step 4: Claim Settlement
After reviewing the details of your hospitalization, the insurer will settle your claim if it aligns with the terms and conditions specified in your Digit Health Insurance plan.

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