Individual Health Insurance

Digit Health Insurance covers Accidental, Illness & COVID-19 Hospitalization
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What is an Individual Health Insurance?

An individual health insurance is a type of health insurance policy customized for a young individual to safeguard and cover oneself from various illnesses, hospitalization, child delivery expenses and other major and minor health conditions that may arise during one's lifetime.

While an individual health insurance is essentially designed for young people without families, you can still customize your plan to cover for your dependents such as your senior parents, spouse and children.

Today, more and more people are opting to buy an individual health insurance plan owing to both its medical benefits and tax benefits too! 

Because no amount of rolled oats and brown bread is going to completely guard your health or wealth. 

For the most aspirational, yet most stressed generation so far. For the ones who want to accomplish the world, without any compromises. For those who are increasingly becoming health conscious and value both their physical and mental health. For those who love convenience and money and are used to having everything just a button away.

Read More

Why securing your Health today matters more than ever?

Mental health issues
According to the National Mental Health Survey, every 6th person in India needs mental health support.
Breast cancer
Breast cancer among young women (age<40) is on a rise in India, higher than the global average
Chronic Obstructive Pulmonary disease
Chronic Obstructive Pulmonary disease was the leading cause of death after heart disease in India.

What's great about an Individual Health Insurance by Digit?

  • Digital Friendly Processes - From the process of buying a health insurance to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
  • Additional Sum Insured - Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost!
  • Covers Pandemics - We know people are scared of Coronavirus which is why we cover it!
  • No Age Based Copayment - Our plans come with No Age Based Copayment. This means, during your 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! Get Yearly Cumulative Bonus.
  • Get Treated at any Hospital - Choose from 6400+ of our network hospitals in India for cashless claims or opt for a reimbursement.

What is Covered in an Individual Health Insurance by Digit?

Accidental Hospitalization

Accidental Hospitalization

Covers for all your pre and post hospitalization related costs in case of an accident.

Illness Related Hospitalization

Illness Related Hospitalization

Sometimes, some illnesses require hospitalization. This benefit covers you from all treatment expenses that arise due to the same.

Maternity Benefit with Newborn Baby Cover

Maternity and Infertility Related Expenses

Takes care of all maternity and infertility related expenses; including child-delivery, c-section, medically necessary terminations, newborn baby vaccinations, etc.

Pre & Post Hospitalization Expenses

Pre & Post Hospitalization Expenses

In case you need to be hospitalized, this benefit covers all your hospitalization and treatment expenses.

Critical Illness Benefit

Critical Illness Benefit

Covers for medical expenses related to Cancer, Kidney Failure, Heart Attacks and Paralysis amongst other critical illnesses.

Daily Hospital Cash Cover

Daily Hospital Cash Cover

God forbid, when you’re hospitalized, expenses go beyond just the hospital bill and this benefit helps you cover for just that.

Annual Health Checkup

Annual Health Checkup

The first step to good health is being aware. Get annual medical tests reimbursed from your second year onwards!

Psychiatric Benefit

Psychiatric Benefit

Mental health issues are on a rise. Therefore, this benefit covers for all hospitalization expenses arising out of trauma or any other psychiatric illnesses.

Other Benefits

Other Benefits

The times have changed, and we’ve changed with them. Our other health insurance also includes benefits like Bariatric Surgery, Organ Donation, AYUSH treatments for your senior parents and, Post Hospitalization Lumpsum to ensure your health insurance policy gives you wholesome medical benefits.

Additional Covers with Individual Health Insurance

Maternity Benefit with Infertility Benefit

Covers delivery and childbirth expenses up to two children; including infertility treatments, medically necessary terminated pregnancies and protection for newborn to up to 90 days of his/her birth.

Zone Upgrade

We’ve divided our plans based on different city zones. This is because every city has its different medical costs. In case you wish to get treatments or hospitalization in a city with higher medical costs than yours, you can opt for an upgrade. 

AYUSH (Ayurveda, Unani, Siddha or Homeopathy)

Covers your senior parents for expenses arising out of alternative treatments like Ayurveda, Unani, Siddha and Homeopathy. 

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is 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 healthclaims@godigit.com 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.

Key Benefits of Individual 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

Room Rent Capping

No Room Rent Capping. Choose any room you like.

What makes Health Insurance so important for Young Individuals?

Increase in Lifestyle Diseases Amongst Youngsters

Increase in Lifestyle Diseases Amongst Youngsters

Lifestyle diseases like PCOS, obesity, type 2 diabetes, etc. are on a rise, especially amongst millennials. An individual health insurance ensures you will be protected against them all; right from diagnosis to treatment.

Rise in Mental Health Issues

Rise in Mental Health Issues

There has been a considerable rise in mental health disorders in India, especially amongst people <40. Our health insurance for individuals also includes psychiatric benefits to ensure not only physical but mental well-being too.

Maximize Savings

Maximize Savings

Buying a health insurance means you don’t need to worry about increasing medical costs and expenses because your health insurance policy will keep you covered; while you can instead protect and maximize your savings.

Improve Overall Well-Being

Improve Overall Well-Being

A health insurance benefits your overall well-being by always having your back during medical emergencies and avoiding possible health conditions by covering you for annual health checkups and the like.

Save Tax

Save Tax

One of the best things about having a health insurance is that, you can claim income tax deductions on the premium you have paid.

Affordable Premiums

Affordable Premiums

Young people are always advised to get health insurance earlier. This ensures you get a cheaper premium and your waiting period for major illnesses too would be over soon!

Know more about Individual Health Insurance

FAQs about Individual Health Insurance