Family Health Insurance

Digit Health Insurance covers Accidental, Illness & COVID-19 Hospitalization
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What is a Family Health Insurance?

Why Securing your Family's Health today matters more than ever?

More than 140 million Indians are breathing air 10x over WHO safe limit
medicine costs
Indian households are collectively spending more than 3 lakhs crore rupees on just medicines
cancer in India
The WHO states that India will see 1.16 million new cancer cases this year, with more than 50% in women.

What’s great about a Family Health Insurance by Digit?

  • Easy Online 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. Your family members can choose any hospital room they prefer.
  • 2X Sum Insured - If you or a family member exhaust your sum insured and unfortunately need it again during the year for the same or different family member, 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 Family Health Insurance by Digit?

Accidental Hospitalization

Accidental Hospitalization

Covers you and your family members for all your pre and post hospitalization related expenses in case of an accident.

Illness Related Hospitalization

Illness Related Hospitalization

Unfortunately, some illnesses require hospitalization. This benefit covers you and your family members from all treatment expenses that could arise due to the same.

Maternity and Infertility Benefit

Maternity Benefit with Newborn Baby Cover

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

Critical Illness Benefit

Critical Illness Benefit

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

Pre & Post Hospitalization Expenses

Pre & Post Hospitalization Expenses

In case you or a family member needs to be hospitalized, this benefit covers all your hospitalization and treatment expenses.

Daily Hospital Cash Cover

Daily Hospital Cash Cover

God forbid, when you or a family member is 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 for your family members 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 so have we! That’s why, our family 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 gives you wholesome medical benefits.

Additional Covers available with Family Health Insurance

Maternity Benefit with Infertility Benefit

For people up to 40 years, you can opt in for the maternity and infertility benefit to cover for delivery and childbirth expenses up to two children. 

AYUSH (Ayurveda, Unani, Siddha or Homeopathy)

Opting in for this cover gives your parents coverage for expenses arising out of alternative treatments like Ayurveda, Unani, Siddha and Homeopathy.

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.

What’s not Covered?

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses can’t be covered, 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 won’t be 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.

Key Benefits of Family Health Insurance by Digit


No Age Based Copayment

Cashless Hospitals

6400+ Cashless Hospitals All Over India

Cumulative Bonus

20% extra SI for your First Claim Free year

Maternity Benefit

Child Delivery, Infertility Benefit & Newborn Baby Cover Included

Alternate Treatments

AYUSH benefit for Senior Parents

Why do you need a Family Health Insurance?

Protect your Savings

Protect your Savings

Medical costs are only increasing. A family health insurance will safeguard your savings by helping you pay the medical bills for all insured family members, under one plan.

Covers for Medical Expenses Big & Small

Covers for Medical Expenses Big & Small

Contrary to popular belief, a family health insurance plan not only covers you and your family members for major illness but also covers for minor illnesses that could arise out of a health condition or accident.

Curb Lifestyle Diseases

Curb Lifestyle Diseases

Lifestyle-related diseases are on a rapid rise. Over 61% of major health conditions and deaths in India are caused due to lifestyle diseases today. A family health insurance will ensure you and your family are protected against them right from diagnosis to treatment.

Enhance Overall Wellbeing

Enhance Overall Wellbeing

Benefit from both physical and psychiatric health benefits, thus ensuring complete health and well-being for your complete family.

Maximize on Tax Savings

Maximize on Tax Savings

Save up not only on medical bills but, also get tax benefits on premiums paid.

Affordable Premiums

Affordable Premiums

The best part about a family insurance plan is you can cover for all family members under one plan. In fact, it’s also advised to include your young kids in the plan as early as possible as the premium would be very less and waiting periods would be over sooner too!

Types of Family Health Insurance Plans

Family Floater Health Insurance Plan

Individual Family Health Insurance Plan

Under this plan, the complete family shares the sum insured. For example; if your plan SI is Rs 10 lakhs, then the entire family will have to share this amount for the policy period.

Under this plan, every family member gets an individual sum insured. For example; if your plan SI is Rs 10 lakhs, each family member gets to use up to 10 lakhs each for that policy period, i.e. if you’re buying an individual plan for three members, the collective sum insured for the three would be Rs 30 lakhs.

A family floater health insurance plan works well for nuclear families or newly married couples.

An individual family health insurance plan is recommended for families with more than one kid, and for those also wishing to insure their parents. This way, everyone will have just enough sum insured to cover them.

In a situation where something happens to more than one family member at the same time, a single sum insured may not be enough.

In a situation where something happens to more than one family member at the same time, an individual sum insured available in this plan will work effectively as each member will have just enough to be covered.

Know more about Family Health Insurance

FAQs about Health Insurance Plans for Family in India