Go Digit Health Insurance

Go Digit Health Insurance

Go Digit Health Insurance Plan

Wanna Know About The Plan?

Go Digit Health Insurance is a plan offered by Go Digit General Insurance Company. With options like Infinity Wallet, Double Wallet, and Worldwide Treatment Plan, Go Digit Health Insurance, you and your loved ones can be sure to receive the best medical care without breaking the bank. They also offer exclusive discounts and unique features ensuring that you get the most value out of your health insurance plan.

Are You Eligible For The Plan?

Minimum Entry Age

  • Adults: 18 years
  • Dependent Children: 91 days

Maximum Entry Age

  • Adults: 65 years

Let’s Explore Go Digit Health Insurance Benefits & Limits

In addition to providing coverage for inpatient hospitalisation expenses, such as room boarding, nursing charges, medical practitioner's fees, prescribed medicines and drugs, ICU charges, and other related expenses, the Digit Health Insurance Plan extends its coverage to a range of other medical expenses.

Let’s have a look -

  • Pre & Post Hospitalisation Expenses

    Go Digit Health Insurance has you covered, not only during hospitalisation but also before and after, whether it's a battery of diagnostic tests or follow-up treatments. You can avail of coverage up to the sum insured under the following conditions -

    Plan Variant Pre-Hospitalisation Expenses Post-Hospitalisation Expenses
    Double Wallet Plan Up to 30 days before hospitalisation Up to 60 days after discharge
    Infinity Wallet Plan Up to 60 days before hospitalisation Up to 180 days after discharge
    Worldwide Treatment Plan Up to 60 days before hospitalisation Up to 180 days after discharge

    Pre and post-hospitalisation expenses will be covered if they are directly related to your medical condition and approved as part of your inpatient hospitalisation coverage.

  • Daycare Treatment Coverage

    A daycare treatment refers to a medical procedure or surgery that, in the past, necessitated a prolonged hospital stay. However, with the remarkable advancements in medical technology, these procedures can now be completed within a span of just 24 hours. Under the comprehensive Digit Health Insurance Plan, daycare procedures are fully covered up to the sum insured.

  • Domiciliary Treatment Coverage

    Domiciliary treatments encompass medical procedures carried out at home for individuals who require urgent medical attention but are unable to be safely transported to a hospital due to their severe illness or injury. Alternatively, domiciliary treatments may be necessary when there is a scarcity of hospital beds within the patient's immediate vicinity. To alleviate the financial burden associated with such treatments, the Digit Health Insurance Plan offers comprehensive coverage for domiciliary treatment costs up to the sum insured.

  • Organ Donor Coverage

    The Digit Health Insurance Plan also covers the hospitalization expenses associated while harvesting the organ from the donor for organ transplantation (where the insured is the recipient) up to the sum insured.

  • Modern Treatment Coverage

    The field of healthcare is experiencing a rapid evolution, driven by remarkable advancements in technology. These changes have paved the way for modern treatments that were once deemed impossible. In light of this dynamic landscape, the Digit Health Insurance Plan covers a wide range of modern treatments. It is important to note that coverage is provided up to 50% of the sum insured.

  • Non-Medical Expenses

    Non-medical expenses encompass a wide range of consumables, including gloves, nebulization kits, oxygen masks, and other essential items required for effective treatment. Understanding that these consumables can often come with a hefty price tag, the Digit Health Insurance Plan offers coverage for such expenses up to the sum insured - if you choose an add-on.

  • Cumulative Bonus

    If you make no claims during a policy year, your sum insured will be increased by 10% or 50% for every claim-free year - depending on the plan option you choose. The bonus is subject to a maximum of 100% of the base sum insured. However, if you make a claim, the accumulated bonus will reduce at the same rate.

  • Sum Insured Back-Up

    Just like bottomless drinks at a restaurant, Go Digit Health Insurance refills your sum insured once it gets depleted during a policy year. This benefit kicks in on partial exhaustion of the sum insured and cumulative. This means that you'll always have the financial support you need for subsequent claims in a policy year.

    What's even better is that this benefit can be used once or unlimited times in a policy year for a lifetime, depending on the plan option you choose, as long as you keep renewing your policy. Please note that certain terms and conditions apply to this coverage.

  • Room Rent Limit

    The room rent limit is the maximum amount your insurance company will cover for your hospital stay. If you select a room within this limit, you won't have to pay anything out of pocket. But if you opt for a room with a higher rent or category, you will have to pay a proportionate deduction. This means you will be liable for not only the difference in the room rent but also a proportionate share of the hospital bill. Go Digit Health Insurance does not impose any room rent limits. You can pick any room you like - shared, single, deluxe, private, etc. - without any restrictions.

Some Noteworthy Features You Should Be Aware Of!

  • Bariatric Surgery

    Go Digit Health Insurance also covers bariatric surgery or weight loss surgery. This group of surgical procedures is specifically designed to assist individuals in achieving significant weight loss. Of course, it's important to note that coverage for these expenses will be subject to the terms and conditions outlined in the insurance policy.

  • Psychiatric Illness

    When it comes to your health, both physical and mental well-being are equally important. That's why the Digit Health Insurance Plan stands out with its unique feature - the Psychiatric Illness Benefit. With this benefit, you can be assured that expenses related to psychiatric treatment and mental illness will be covered, subject to the policy’s terms and conditions.

  • In-built Personal Accidental Cover

    With the Digit Health Insurance Plan, you can have peace of mind knowing that your loved ones are protected in the event of an unfortunate accident resulting in your demise. This comprehensive coverage ensures that your nominee will receive a payout as specified in your policy schedule, providing financial support during a difficult time.

Understanding Waiting Periods

After you purchase a health insurance policy, you may come across waiting periods for certain illnesses and diseases. This waiting period refers to a specific duration during which these conditions are not covered by your policy. However, once this waiting period ends, you will be eligible to make claims for these conditions.

There are various types of waiting periods that you should be aware of. Let's explore some of them:

  • Initial Waiting Period

    This lasts for 30 days after you purchase a health insurance plan. You will not be able to make a claim for any illness or injury, except those stemming from an accident.

  • Waiting Period for Pre-Existing Diseases

    A pre-existing disease is defined as any medical condition or illness that you have had in the 48 months prior to issuance of the health insurance policy. The Digit Health Insurance Plan comes with a waiting period of 36 months for pre-existing diseases. During this waiting period, it's important to note that the policy will not cover any expenses related to your pre-existing diseases. However, once the waiting period is over, you will be eligible for coverage.

  • Waiting Period for Specific Diseases

    Insurers often have a set list of medical conditions or illnesses that they may refuse to cover for a certain time span. This waiting period is applicable regardless of whether you have previously had those diseases or not, and they are determined solely by the insurer. It's important to note that these waiting periods are not based on your current health status. With the Digit Health Insurance Plan, there is a waiting period of 24 months for specific diseases.

What Does The Plan Not Include?

To understand the plan better, it's important to understand what it does not include -

  • Standard Permanent Exclusions

    Every insurance company is required to enforce the set of 'standard permanent exclusions' established by the IRDAI (Insurance Regulatory and Development Authority of India). Some of these include:

  1. Investigation and evaluation: It's important to note that investigation and evaluation, as well as hospital admission solely for observation or monitoring purposes, are not covered.
  2. Rest cure, rehabilitation, and respite care: If you need admission to a facility for bed rest where no active treatment is provided, you will not be able to avail coverage for it.
  3. Obesity/weight control: Any treatments or procedures for weight or obesity control are not covered.
  4. Change of gender treatment: Treatments aimed at altering the body's characteristics to those of the opposite sex, commonly known as change of gender treatment.
  5. Plastic/cosmetic surgery: Plastic or cosmetic surgery refers to treatments or surgeries that are done to modify the body's appearance or enhance characteristics. These procedures are not covered.
  6. Profession in hazardous or adventure sports: You need to be aware of the treatment expenses that can arise while participating in activities such as river rafting, mountaineering, scuba diving, horse racing, and more are not covered.
  7. Breach of law: Expenses related to the treatment of a person who has attempted to commit or has committed a breach of law with criminal intent are not covered.
  8. Excluded providers: Treatments from medical practitioners or hospitals excluded by the insurance company are not covered.
  9. Narcotics/Alcohol: Treatments for addictive conditions such as alcohol addiction and drug usage will not be covered.
  10. Treatments in establishments arranged for domestic purposes: Expenses related to treatments in health spas, nursing homes, or similar facilities arranged for domestic reasons fall outside the scope of the coverage.
  11. Dietary supplements, substances purchased without prescription: Dietary supplements and substances bought without a prescription, such as vitamins and minerals not prescribed by a medical practitioner will not be covered.
  12. Refractive error: Refractive error expenses, which are associated with correcting refractive errors of up to 7.5 diopters for improved eyesight are not covered.
  13. Unproven treatments: Unproven treatments, including surgeries, medical procedures, or treatments that are not proven to be effective, are not covered.
  14. Expenses related to birth control, sterility infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, and similar procedures are not covered under the policy.
  15. Maternity expenses: Maternity expenses fall under a separate category and require specific coverage. Expenses, such as pre/post-natal costs and childbirth-related hospitalisation expenses, are not covered.
  • Additional Permanent Exclusions

    Along with the standard permanent exclusions, insurance companies may also permanently deny coverage for certain illnesses or health conditions. This happens if you have been diagnosed with these diseases and the insurer finds it too risky to provide coverage for the same. However, insurers are only allowed to refuse coverage for illnesses listed by the IRDAI.

  • Non-Standard Exclusions (Specific Exclusions)

    These exclusions go beyond the standard permanent exclusions set by the IRDAI and can vary among insurance companies. They are typically outlined in the policy's terms and conditions. Here are some of the key specific exclusions found in the Digit Health Insurance Plan:

  1. Tests, counselling, or treatments pertaining to external congenital anomalies are not covered.
  2. Any claims made while you are engaged in naval, military, or air force operations.
  3. Any legal repercussions because of mistakes, omissions, etc. of the medical facility or professionals.
  4. Devices that are not fitted internally by way of surgery, like prosthetics.
  5. Items like spectacles, hearing aids, diabetic test strips, etc.
  6. Any kind of procedure related to your teeth or gums, except when caused by an accident and requiring hospitalisation.
  7. Circumcision procedures, except when needed to treat an illness or necessitated by an accident.
  8. Treatment for alopecia, baldness, wigs, toupees, and any other such related treatments are not covered under this policy.
  9. Aesthetic surgeries in any form are not included.
  10. Any losses caused because of the insured’s participation in illicit acts, violation of legal rules, etc.

A Quick Recap Of The Benefits & Limits

Check out this table showing the product benefits and their respective coverage limits:

Product Benefits Coverage Limits
Pre-Hospitalisation Expenses

● Double Wallet Plan: 30 days

● Infinity Wallet Plan: 60 days

● Worldwide Treatment Plan: 60 days

Expenses are covered up to the sum insured.

Post-Hospitalisation Expenses

● Double Wallet Plan: 60 days

● Infinity Wallet Plan: 180 days

● Worldwide Treatment Plan: 180 days

Expenses are covered up to the sum insured.

Daycare Treatment Coverage Up to sum insured
Domiciliary Treatment Coverage Up to sum insured
Organ Donor Coverage Inpatient expenses up to the sum insured
Non-Medical Expenses Coverage Up to sum insured, if you opt for an add-on
Modern Treatment Coverage Up to 50% of the sum insured
Room Rent Limit No limit
Cumulative Bonus 10 or 50% increase in the base sum insured for each claim free year; subject to maximum of 100%
Multiplier Benefit A bonus of 50% of the sum insured for every policy year without a claim, max up to 100%.
Sum Insured Back-Up Restoration of 100% of sum insured available
Pre-Existing Diseases Covered after a waiting period of 36 months
Specific Diseases Covered after a waiting period of 24 months
Questions about Car Insurance

FAQs

Go Digit Infinity Wallet Plan, a comprehensive health cover, offers a coverage of up to Rs 1 Crore. With this plan, you can be assured knowing that your health expenses will be taken care of, allowing you to focus on what matters most, your well-being.

Yes, the Digit Health Insurance Plan offers coverage in the unfortunate event of death caused by an accident that occurs within the same year. This means that your nominee will be provided with financial protection and support during such difficult times.

With Digit Health Insurance Plan, you have the freedom to choose any room that suits your preferences and needs. Whether you prefer a Single Private Room for added privacy and comfort, a Share Room to reduce costs while still receiving quality care, or even a Deluxe Room for a more luxurious experience, or any other room, the plan has got you covered.

The Digit Health Insurance Plan covers domiciliary treatments. This means that if you or your loved ones require medical care at home due to the unavailability of hospital beds or the severity of the patient’s condition, you can still receive the necessary treatment without worrying about the financial burden.

Yes, absolutely! Go Digit Infinity Wallet provides coverage for non-medical items or consumables if you go for the add-on at an additional cost.