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Buy Health Insurance Policy Online in India with Digit Insurance

What is a Health Insurance?

A health insurance or a medical insurance is a type of general insurance that safeguards you against financial losses by covering for you when you’re faced with a health condition or medical emergency such as due to a disease, illness or even an accident.

This includes expenses incurred during pre and post-hospitalization, annual health check-ups, psychiatric support, critical illnesses and maternity-related expenses amongst others, as per your customized health insurance plan.

Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.

“I don’t need Health Insurance”

If you believe that, read on.

What's great about a Health Insurance by Digit?

Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
Additional sum insured available – Get additional coverage specifically for Accidental Hospitalizations and Critical Illnesses, at zero cost!
Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn’t really get a separate coronavirus policy.
No age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.
No room rent restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer.
2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
Cumulative Bonus - A reward for staying healthy! You can get yearly cumulative bonus for claim-free years.
Get treated at any hospital - Choose from 6400+ of our network hospitals in India for cashless treatment or opt for a reimbursement.

Health Insurance options suited for everyone

Health Insurance for the Young & the Restless

We understand that young people are a lot healthier and are often apprehensive to get a health insurance so early in life. However, getting a health insurance whilst you’re young means you will have cheaper premiums, cross waiting periods faster, can avail maternity benefits when the time comes and even use our OPD cover for minor treatments and injuries that can happen to just about anyone!

Health insurance for the Great Indian Families

When you want to be that guardian angel and not only protect yourself, but your lovely family too. A health insurance for your family can be bought in the form of a family floater plan or an individual health insurance plan for each family member. With our special benefits such as refill sum insured, maternity benefit and newborn baby cover and more, our health insurance is perfect for families both big and small.

Health Insurance for the Old & the Wise

Whether you’re looking to protect yourself or, your beautiful parents. Our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalization, no room rent capping and hospitalization for coronavirus; our health insurance understands exactly what our parents need.

Health Insurance for Fitness Enthusiasts

We understand that fitness enthusiasts are some of the most health conscious people out there. Whilst people like you are less prone to illnesses, buying a health insurance now can reap benefits such as cheaper premiums and tax savings whilst also coming to use in case of common workout injuries through our OPD benefit.

Health Insurance for Corporate Hotshots

Maybe you already have your corporate medical insurance covering for you. But do you know they’re often really limited? Even if you don’t want to get a standard health insurance like say the Arogya Sanjeevani policy, you can instead opt for a top-up health insurance to cover for amounts over and above your corporate plan. It’s a win-win!

Health Insurance for Employees

Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy a health insurance for your employees at an affordable premium which won’t only ensure they’re protected but, also keeps them happier as an employee health insurance is a benefit all employees value!

Health Insurance for Value Seekers

For those looking for affordable yet valuable health insurance plans, you could go for standard health insurance plans like the Arogya Sanjeevani Policy or even a top-up health insurance that even though has a deductible, comes with lower health insurance premiums.

What’s covered in our Health Insurance?

Smart

Comfort

Comfort Pro

Important Features
All Hospitalization, including for Coronavirus This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.	✔	✔	✔
Additional Sum Insured- Critical Illness Hospitalization This is an extra cover that can be used in case of any Critical Illness treatment. (For eg: Kidney Failure, Cancer, Liver Failure, Brain Tumor, etc) However, this can only be used after your All Hospitalization coverage is exhausted.	×	✔	✔
Additional Sum Insured- Accidental Hospitalization This is an extra cover that can be used in case of a hospitalization due to an accident when your All Hospitalization coverage has already been exhausted.	×	✔	✔
Daycare Procedures Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.	✔	✔	✔
No Age Based Copayment A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no age based copayment involved!	✔	✔	✔
Cumulative Bonus If you do not make any claim in a year, Digit rewards you with an increase in your base Sum Insured, without any increase in your annual health insurance premium. This increase in your Sum Insured is called as your 'Cumulative Bonus'.	×	✔	✔
Refill Sum Insured In some cases it may happen that your Sum Insured is already used up due to an accident or illness, or simply because your entire family was sharing the Sum Insured. In such cases, we give you the benefit to refill it at any point in your policy period.	×	✔	✔
Room Rent Capping Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.	✔	×	×
Standard Features
Road Ambulance Charges	✔	✔	✔
ICU Room Rent ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured.	✔	✔	✔
Complimentary Health Checkups Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice.	✔	✔	✔
Organ Donor Expenses In case of an organ transplant, if there is a need of an organ donor, hospitalisation charges for the organ donor will be covered. However, the cost of finding a donor is not covered.	×	✔	✔
Daily Hospital Cash Getting admitted in the hospital results in expenses beyond the hospital bill. Digit understands this and pays you a daily cash allowance, that helps you manage daily expenses for things such as snacks, tea, coffee and more. This benefit is applicable after 1 day up to 30 days of hospitalization.	×	✔	✔
Home Hospitalization Under certain unavoidable circumstances, if your parent requires treatment or hospitalization at home, this cover can be helpful.	×	✔	✔
Post Hospitalization Lumpsum This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement.	✔	✔	✔
Psychiatric Illness Cover If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.	✔	✔	✔
Bariatric Surgery This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.	✔	✔	✔
Additional Covers
Maternity Benefit with Newborn Baby Cover If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days.	✔	✔	✔
Alternate Treatment (AYUSH) If your parents wish to get hospitalized under an alternate therapy such as Ayurveda, Unani, Siddha and/or Homeopathy.	✔	✔	✔
Zone Upgrade Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same.	✔	✔	✔

What’s not covered?

How to file a Claim?

Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at [email protected] and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.
Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Digit's Cashless Network Hospitals

Get cashless treatment at 6400+ hospitals across India

List of 6400+ Network Hospitals

Claims FAQs - Hopitalization due to COVID-19

How to make a claim if you are detected with Coronavirus COVID-19?

If you are tested positive for Coronavirus disease (COVID-19) from any authorized centers of ICMR – National Institute of Virology, Pune and hospitalized for the treatment, intimate Digit immediately by calling at 1800-258-4242 or write to [email protected]. If you are a senior citizen, email us at: [email protected]

Who do I contact for coronavirus specific claims?

We have a dedicated email ID for coronavirus related claims: [email protected].

Additionally, you may contact our SPOC: Dr Prakash. You may mail him at : [email protected] or call him at 9986770084.

How can I avail cashless claims facility for Coronavirus disease COVID-19?

Call Digit Toll-free number (1800-258-4242) for cashless intimation.

We will then verify eligibility (if test is positive and hospitalization is done) and facilitate Cashless process.

What are some of the details required at the time of intimating a claim to Digit?

Insured’s name
Policy number
Patient’s name
Relationship with the Proposer
Hospital name/ address
Admission & discharge dates
Diagnosis and treatment details
Estimated/ Actual expense
Employee ID number (If applicable)

What are the documents required for a reimbursement if one is detected with Coronavirus Disease COVID-19?

Discharge summary
Consultation papers
COVID-19 Positive test report(Approved from ICMR authorized labs)
All other test reports
Bank Details: Cancelled Cheque/ NEFT details
Valid ID proof (PAN, Voter ID, DL, Passport. Adhaar not acceptable)
All Original bills (Final bill, break up, Pharmacy and test bills, etc)

How does a Health Insurance claim work?

New to health insurance and confused how do health insurance claims work, especially with respect to Digit’s Health Insurance? We simplify it for you below.

What is a claim, even?

So you’ve seen this word everywhere but not sure what it means exactly. To simply put it, a claim is what you need to do when you want your health insurance company to pay for your hospitalization expenses in case of a treatment.

Claims are usually to be informed about in advance for planned treatments and hospitalizations whereas in case of medical emergencies the situation would be different, based on the type of claim you’re going for. At Digit, there are primarily two types of health insurance claims you can opt for.

Cashless Claims

As the name suggests, cashless claims refer to claims where you don’t need to pay from your pocket at the time of hospitalization. “But isn’t my health insurer supposed to pay anyway?” you wonder. The answer to that is yes, of course.

However, there is also an option to go for reimbursement claims wherein you pay for your treatment costs at the time of hospitalization, and later – within 20 to 30 days get the bills reimbursed by your insurer.

However, when you opt for cashless claims you don’t need to do that as the hospital will directly take care of the bills with your insurer. You can read more about this in detail here.

Reimbursement Claims

As mentioned above, reimbursement claims are a type of health insurance claim wherein during hospitalization, you pay for your hospital bills and later, post discharge contact your health insurer to get your hospital bills reimbursed.

This process takes anytime between 2 weeks to 4 weeks depending on your insurer. At Digit, since all processes are digital (even for documentation purposes!) the time taken to settle claims is actually a lot faster!

Key benefits of Health Insurance by Digit

Copayment	No Age Based Copayment
Cashless Hospitals	6400+ Cashless Hospitals All Over India
Cumulative Bonus	20% extra SI for your First Claim Free year
Sum Insured	Additional Sum Insured for Critical Illness & Accidental Hospitalization
Room Rent Capping	No Room Rent Capping. Choose any room you like.
Claim Process	Digital Friendly, No Hard Copies Required!

Types of Health Insurance options in India

Why should you get Health Insurance?

Here's why more and more people are opting for a health insurance in India.

1. Because it helps cover for medical expenses!

The primary benefit of a health insurance is that it covers for your pre and post hospitalization related expenses in case of an unfortunate accident or illness, which would otherwise eat your bank balance away! This includes treatment costs of the coronavirus too, which given the situation in India is the dire need of the hour.

2. Because it can help maximize your tax savings!

Who doesn’t want additional tax savings, right? According to Section 80D of the Income Tax, anyone who buys a health insurance for themselves, or their parents can claim tax benefits on the annual premium!

3. Because it can safeguard you from critical illnesses

Contrary to popular belief, many critical illnesses like cancer and heart diseases are today diagnosed in young people <40. A health insurance ensures you will be financially covered in the likelihood of the same.

4. Because it keeps you financially secure!

More than anything else, a health insurance is a smart investment to make that not only helps safeguard your health by always being there you financially but, also helps you with benefits like no claim bonuses which are an ultimate win-win for the long run!

5. Because it ensures you get the right treatment at the right time!

Imagine that because of some reason, you or a family member need treatment but don’t have enough funds for it so you put it off for some time. This can often make matters worse.

A health insurance is important as it prevents this from happening and ensures you get your required treatments done on time. Additionally, with annual health checkups included in health insurance plans, you will always be aware of your health which can otherwise often go unnoticed.

6. Because it gives you some peace of mind!

How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health insurance to have your back in times of need.

Why should I buy a Health Insurance online?

Common Health Insurance terminologies simplified

Things to keep in mind before buying a Health Insurance

Don’t choose a low sum insured just to save on your premium. Always choose the right sum insured based on your age, your healthcare needs and number of people you’re covering in your health insurance policy.
Always check for what is covered and not covered in your health insurance policy, and read through the terms and conditions so you’re not in for any surprises! We understand that reading it all can seem boring, that’s why we at Digit have created short summaries and simpler policy documents to make this process simpler for you!
If you have the option to customize your health insurance plan, always do that. For example: You can customize your health insurance policy with different add-ons for better coverage.
Don’t wait too long to buy a health insurance. Buy a health insurance early in life, this way you will have more reasonable premiums and also ensure you’re through waiting periods faster!
A health insurance is a vital financial decision so always evaluate all your options online before going for the first option you see!

Tips to Compare Health Insurance Plans

One of the benefits of buying a health insurance plan online is, that you have the chance and endless possibility to do your research and compare health insurance plans online.

To make your decision-making process easier, here are a list of factors you should compare before buying the best health insurance plan:

Coverage Details: The whole point of a health insurance is to get maximum coverage on healthcare expenses. Therefore, always compare the kind of coverage you will receive and compare the sum insured for. After all, that would be up to how much your health insurance plan will cover you for.
Service Benefits: While different health insurance plan will offer basic coverages, some will also go out of their way to take better care of you through some extra benefits. Therefore, compare the service benefits offered by different health insurance providers and see what works best for you.
Network of Hospitals: Every health insurance provider has a network of hospitals you can visit and avail cashless claims from during times of need. However, to avail this benefit – it's important that you compare the range of hospitals available with your insurance provider and go for one that suits you the best.
Type of Claims: There are generally two types of claims in a health insurance plan; Cashless and Reimbursement. In times of need, Cashless Claims prove to be a lot easier and beneficial. Therefore, compare health insurance plans to see if they provide you the benefit of cashless claims or not, and to what extent.
Health Insurance Premium: This goes without saying, doesn’t it? This is something you’ll probably do. However, make sure your premium is relevant to the health insurance plan you choose. Don’t blindly get lured into cheap premiums, but always compare the coverage details against the premium and make a sound decision accordingly.

Factors affecting your Health Insurance Premium

Wondering why health insurance premiums differ? Based on a combination of various factors, your health insurance premium is defined by the following:

Age - While health conditions are on a rise for both people young and old, younger people are still a lot healthier due to stronger immune systems. Additionally, the younger you are, the more time you have to complete your waiting period for specific illnesses and covers. Therefore, the younger you are, the lesser is your premium!
Lifestyle - More than 61% of deaths in India are due to issues stemming from lifestyle diseases, including pollution levels! Therefore, your lifestyle habits such as if you’re a smoker or not will have an influence on your health insurance premium.
Pre-existing diseases or conditions - If you’ve already been facing symptoms of some kind, or have a family history of a particular illness, then your health insurance premium will probably be higher due to the higher risk involved.
Location - Your premium will be affected by the city you live in because every city is different, in terms of risks and medical costs. For example, people living in North India are a lot more prone to lung diseases, due to the high percentage of pollution.
Additional Covers - One can customize their health insurance plan based on their personal requirements and health conditions. Therefore, when you opt for additional covers like a Maternity Benefit or AYUSH benefit, your premium too increases by a small margin.

How to choose the right Sum Insured?

Life Stage: When the life-stage changes, you may need a higher sum insured. Say if you’re about to get married or are planning a kid.
No. of Dependents: Insuring all the members of the family under a Health Insurance policy is a wiser way to protect your family against future financial risks related to high medical costs.
Health Conditions: If there is a hereditary disease in the family or a common health condition seen rising in the city the person is staying, you should consider a higher sum insured.
Lifestyle: If you live in polluted metr o cities, toiling with traffic and bearing office stress every day, you may be at a higher risk of falling ill. Which in turn means, you need to cover yourself better.

Health Insurance buying tips

Health Insurance buying tips for Youngsters

Get an insurance early in life.
Go in for a higher sum insured as it increases the amount you have in case of an Accidental Hospitalization. 5-10 lakhs should be fine.
Make sure you have a Critical Illness Cover included.
If you plan to have a family in the future, choose a Maternity Benefit so that your waiting period is over in time.

Health Insurance buying tips for Families

Insure all members of the family.
Go in for a high sum-insured as it is distributed between all family members, you can keep 10 lakh per person and calculate the sum insured.
If you have a floater plan, go in for a plan with Restoration Benefit
Check the waiting periods for all benefits being offered.
If you’re planning to insure your parents, check if it has common treatments like Knee Replacement, Cataract Surgery covered.

Health Insurance buying tips for Seniors

With age the insurance premium goes up. So, if you already have a plan, you can increase its sum insured with a top-up plan.
Make sure you check the kind of hospital tie-ups and service tie-ups your insurer is providing you.
Check if the plan you’re getting has common treatments like Knee Replacement, cataract surgery covered.
Check the sub-limits of the benefits being offered.
Check the waiting period mentioned for different pre-existing diseases.

Popular myths about Health Insurance

Health Insurance covers for only serious illnesses: Many people are under the impression that health insurance plans cover for only serious and critical illnesses. However, that’s not true! A health insurance plan covers for regular illnesses, accidents, psychiatric support, child-delivery and also basic annual health checkups!
“I don’t need a health insurance, cause I’m too young for illnesses”: Contrary to popular belief, no matter how old you are- you can be prone to illnesses both big and small. Especially, in the times we live in today- more and more younger people are being diagnosed with health conditions like PCOS, cancer and lung diseases due to our climate change driven lifestyles and unhealthy eating habits.
Health Insurance processes are time consuming: This honestly just depends on the kind of health insurance plan you have, and your insurance provider! Thanks to technology, the best health insurance plans are now a lot quicker and hassle free!
If you have savings, a health insurance isn’t important: We’re so optimistic sometimes, aren’t we? While our savings can help us in time of need, the limit of the same can never be foreseen. The best health insurance on the other hand, is a dedicated investment you make solely towards your health so you don’t need to shell out your savings or face any financial pressure in the future!

FAQs about buying Health Insurance Policy in India

✓ What’s unique about Health Insurance by Digit?

Apart from being online and digital friendly; Digit’s Health Insurance plan offers unique benefits such as customizations, complimentary annual health check-ups, no restriction on room rent, daily hospital cash allowance, psychiatric support included, and so much more that ensures quality healthcare for both you and your family.

✓ Will I get covered for pre-existing illnesses?

This depends on the type and seriousness of the illness. At Digit, we don’t cover for pre-existing illnesses like if you’ve already been diagnosed for Cancer, HIV, Parkinson's disease, Thalassemia, Neuropathy, Liver and Kidney diseases, Down Syndrome, and Alzheimer's disease amongst many others.

✓ What documents do I require while making a claim?

This would primarily depend on the kind of claim you make. In the case of a Cashless Claim, all you need to do is a fill the required form given by the TP at the hospital; whereas in the case of a Reimbursement- you will be required to upload/submit your health invoices.

✓ Can I get admitted in a non-network hospital?

Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.

✓ What is the best age to buy Health Insurance?

The answer is simple. The younger you are, the lower will be your starting and subsequent premium. Also, if you are younger, you’ll easily pass the waiting period years for various covers to be valid. So these two reasons make taking a Health Insurance early in life, advantageous.

Another reason for youngsters to be covered is that diseases or accidents are not just for the older lot, youngsters can easily get affected.

Youngsters may not be financially secure and hospitalization and other medical expenses could be hard to meet.

✓ Who should I call at the time of emergency hospitalization?

We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-258-4242 and we’ll sort things out for you.

✓ What is the difference between a life insurance and a health insurance?

A life insurance is a long-term policy that helps pay out the claim amount to the insured person’s family after death. Whereas a health insurance is to help pay for healthcare and medical expenses of the insured, that can occur due to illnesses, diseases and accidents.

✓ Will my health insurance policy be valid pan India?

Yes, Digit’s health insurance policy is valid pan India. However, check for which zone your city falls into as in case of treatment in a higher zone, there will be a small % of copayment involved. If you think you’ll need treatment in a higher city zone, you can choose to opt for a Zone Upgrade add-on, which will allow you to get treated in hospitals in a higher zone without any copayment involved during claims.

✓ Can any health insurance claim be rejected or refused?

Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example: If you claim for a pre-existing disease-related treatment before completing the waiting period, your claim may be rejected.

✓ Can I have more than one health insurance policy?

Yes, you can have more than one health insurance policy!

✓ Can I still claim if hospitalization is less than 24-hours?

Yes, you can if it is a daycare procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.

✓ What happens if I miss paying my renewal premium on time?

Oh no! If you miss paying your renewal premium on time, your health insurance policy will expire, and you’ll have to start the process of buying your health insurance policy all over again!

✓ Can I start using my health insurance policy from day one?

No, there is an initial waiting period of 30-days. However, in case of any accidental hospitalization related claims, there is no initial waiting period and your policy can be used at any time post purchasing your policy.

✓ What is the right age to buy a health insurance?

The right age to buy a health insurance would be while you’re still young. This is because, premiums are a lot cheaper and you complete waiting periods sooner too! Additionally, with healthcare expenses off the roof, if you ever need treatment for an illness – a health insurance will ensure it doesn’t eat up your early savings which you can instead use for your travels.

✓ How many people can you buy a group health insurance policy for?

The minimum number of people allowed in a group health insurance policy differs from insurer to insurer. With Digit, you can buy a group health insurance policy for a minimum of 10 people.

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