Go Digit Health Insurance

About Go Digit General Insurance

Go Digit General Insurance Limited was incorporated on 7 December 2016 (originally as Oben General Insurance Limited) and received its IRDAI licence — Registration No. 158 — on 20 September 2017, commencing insurance operations shortly after. The company is backed by Fairfax Financial Holdings of Canada and was founded by insurance industry veteran Kamesh Goyal, under the mission to "Make Insurance Simple."

A key distinction for buyers: Go Digit is a composite general insurer, not a standalone health insurer. Health insurance is one of several product lines it underwrites, alongside motor, travel, home, marine, and liability insurance. This affects how its claims performance is reported — IRDAI publishes Go Digit's Incurred Claim Ratio (ICR) under the general insurers' "health segment" category (which includes personal accident business), rather than as a standalone-health-insurer metric the way it does for insurers like Star Health or Niva Bupa.

Go Digit listed on the NSE and BSE following its 2024 IPO. For FY 2024-25, the company reported a Gross Written Premium of Rs. 10,282 crore (all lines) and a Profit After Tax of Rs. 425 crore. For the financial year ended 31 March 2026 (FY 2025-26), the company's Gross Written Premium grew to approximately Rs. 11,294 crore, with a Profit After Tax of Rs. 544 crore and a solvency ratio of 2.42x — both up from the prior year.

Go Digit Health Insurance — Key Facts

Understanding Go Digit's Incurred Claim Ratio (ICR)

Incurred Claim Ratio (Health Segment, FY 2024-25): 83.78% | Source: IRDAI Annual Report 2024-25 (Private Sector General Insurers)

What does this mean?
For every Rs. 100 collected as premium in its health segment, Go Digit paid out Rs. 83.78 in claims during FY 2024-25. IRDAI publishes ICR (not CSR) as the standard metric for general and standalone health insurers. In general, industry observers often regard an ICR in the 70% to 90% range as indicative of a balance between claim payouts and underwriting sustainability. However, an insurer should always be evaluated alongside other factors such as product features, complaint handling, service quality, and financial strength.

Because Go Digit is a composite insurer, its health-segment ICR includes personal accident business and is not directly comparable to the ICR of standalone health insurers, which cover health alone.

Note: SMC Insurance displays only IRDAI-published ICR data. We do not display third-party or self-reported claim settlement ratios to ensure accuracy and compliance.
 

Go Digit Health Insurance Plans — Full List

Go Digit offers a focused range of IRDAI-approved health products for individuals, families, and businesses. Here is a structured overview of the key plans, who they suit, and their standout features. You can compare all plans and get premium quotes through SMC Insurance.

Note: Plan names, sum insured bands, and features are subject to change; always confirm current terms on godigit.com or the policy wording before purchase.

Key Plan Details at a Glance

• Digit Health Care Plan
  Go Digit's flagship individual and family floater plan offers 0% co-payment regardless of age, along with a cumulative bonus of 10% or 50% per claim-free year (up to a maximum of 100% of the base sum insured), depending on the variant chosen. A sum insured refill benefit reinstates cover once exhausted during the same policy year. Pre- and post-hospitalisation expenses, daycare procedures, domiciliary treatment, and organ-donor hospitalisation costs are covered up to the sum insured, while modern treatments (such as robotic surgery and oral chemotherapy) are covered up to 50% of the sum insured.
• Digit Arogya Sanjeevani Policy
  Arogya Sanjeevani is an IRDAI-mandated standard product that every health insurer must offer, ensuring a baseline, comparable, affordable option across the industry. Go Digit's version offers sum insured from Rs. 3 lakh to Rs. 2 crore, with standardised coverage for hospitalisation, AYUSH treatment, and pre- and post-hospitalisation expenses.
• Digit Super Top-Up Plan
  Designed for policyholders who already hold a base health policy (individual or employer-provided) and want to extend their cover against rising medical costs at a lower premium than buying a fresh high-sum-insured policy. Available for individuals aged 18 to 65 with lifelong renewability. Pre-existing conditions carry a 4-year waiting period, while specific listed illnesses carry a 2-year waiting period.

Why Buy Go Digit Plans Through SMC Insurance?

SMC Insurance is an IRDAI-registered composite broker (Reg. No. 289), not a direct agent of Go Digit. This distinction matters to you as a buyer:

• Unbiased comparison: SMC compares Go Digit plans with 20+ insurers so you get the plan that matches your health profile and budget — not just the one with the highest commission.
• No extra cost: Premium you pay through SMC is identical to buying directly from Go Digit. Brokers are compensated by the insurer, not the buyer.
• Claim support: SMC provides end-to-end claim assistance — documentation, follow-up, and escalation — throughout the claims process.
• Expert advice: With 15+ years in the insurance broking space, SMC advisors can help you choose between plans like the Digit Health Care Plan and Arogya Sanjeevani based on your specific needs.
• Renewal tracking:
  SMC proactively reminds you before renewal to avoid lapses and loss of accumulated benefits like cumulative bonus.

How to File a Cashless Claim with Go Digit

Go Digit processes health claims through a digital, app-first workflow. Here is the step-by-step process for a cashless claim at a network hospital:

1. Planned hospitalisation: Inform Go Digit at least 72 hours before admission via the app, website, or helpline. For emergency hospitalisation, inform within 24 hours of admission.
2. Present your Digit health card or policy number at the hospital's insurance desk to initiate the process.
3. The hospital submits the pre-authorisation request digitally. As per IRDAI's FY 2024-25 regulatory mandate, cashless pre-authorisation decisions must be issued within 1 hour for all insurers, including Go Digit.
4. On approval, cashless treatment proceeds. You only pay for items not covered by the policy, such as registration fees or amounts exceeding the sum insured.
5. At discharge, covered bills are settled directly between the hospital and Go Digit.

For reimbursement claims (treatment at non-network hospitals), submit original bills, the discharge summary, diagnostic reports, prescriptions, and the claim form via the Digit app or website within the intimation window specified in your policy — typically 15 to 30 days from discharge.
 

Go Digit Network Hospitals

9,000+ cashless network hospitals across India. Hospital lookup available on the official Go Digit website — filter by state, city, and hospital name.

• Because Go Digit is a composite insurer rather than a dedicated health insurer, its hospital network is smaller than that of standalone health insurers such as Star Health (14,000+).
• Digital, app-first claim intimation and pre-authorisation across the network.

Note: As hospital networks are periodically expanded, compare the latest published network size of each insurer before making your decision.
 

Awards & Recognitions

Go Digit has received several industry recognitions for its contributions to the general and health insurance sector:

• ASSOCHAM 2022 Excellence Award — Highest Growth (General Insurance and Health Insurance).
• IFTA 2022 Excellence in Insurtech Award.
• Four awards from World Economic Magazine — 2022.
• CRISIL AA- corporate credit rating, reaffirmed with a Rating Watch — Developing Implications outlook (most recently reaffirmed 29 June 2026).
• Listed on the NSE and BSE following its 2024 IPO.

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