Go Digit Health Insurance 

Go Digit Health Insurance, a new entrant in the health insurance segment, has designed simple and transparent Health Insurance Policies with comprehensive coverage. The policies are designed not only to protect the insured from financial distress in medical emergencies but also to facilitate the best healthcare attention without compromising, in 5900+ network hospitals PAN India.  Go Digit Health Insurance Plans are laced with a range of benefits that is hard to find in any single health Insurance policy in the market today.

What is Go Digit Health Insurance?

The guiding philosophy of Go Digit Health Insurance is to cut the clutter and make things simple, so that even the common layman is comfortable with a suitable health insurance plan from them. The idea is to safeguard the health of the insured by complimentary health check-ups, to prevent precipitation of health crisis through prevention, rather than offering solace when the crisis has already set in. But when the chips are down, and the insured is headed for hospitalization, either induced by accident or sickness, Digit Health Insurance provides the means to absorb the financial and emotional shock through a wide coverage and benefits not restricted by unnecessary limits, whatever the age of the patient.

Go Digit General Insurance Ltd. was incorporated in 2016, etching fresh footprints in the non-life insurance segment in India. It is backed by the singular expertise of Fairfax Financial Holdings Ltd. of Canada, with vast experience in General Insurance, Reinsurance and Investment Management in more than 30 countries in different corners of the World. Based in Bengaluru, Go Digit Health Insurance has established its presence in 70 cities through 1500 strategic partners like brokers, agents, dealers and distributors like Flipkart and Cleartrip for a pan India reach. It has been ranked among the top startups in India in 2018 by LinkedIn and featured in Global 250 list by CP Insights.  The differentiating hallmark of Go digit Health Insurance from others is in their simplistic customer interface, backed by quality service that the insured can relate to.

Why Choose Go Digit Health Insurance?

Digit Health Insurance prides in changing the contours of health insurance in how they are viewed by the vast multitudes, purchased and claimed in pursuit of protection from financial woes arising out of medical contingencies, which are bound to surface to the peril of individuals and their families. Their no-frill health insurance plan is the outcome of their missionary zeal in reimagining and redesigning processes for simple and transparent insurance solutions which earn the confidence of people. In simple words, the following can be termed as unique to Digit Health Insurance, making it the ideal choice for health safeguard.

• Paperless Processes: It is truly online in every respect, right from purchase, renewal to claim settlement in an easy, quick and hassle-free interface. Hard copies are a thing of the past in this digital paperless environment promoted by Digit Health Insurance.
• Attractive to all Age Groups: A host of features make Digit Health Insurance alluring to the young generation with nuclear families; guardian angel to larger families and a boon to the seniors, who have been equally thought of. Thus the plans have:
• Maternity Benefit
• Additional sum insured for Accidental and Critical Illness Hospitalization.
• Refill of the sum insured to the extent of 2X to ensure it is never short in a health emergency
• Cover up to 70 years suiting senior citizens with Ayush treatment and Domiciliary (Home) Hospitalization
• No age-based Co-payment, turning claims practically free
• No Room Rent Capping: Allows the insured to choose the hospital room in harmony with personal preference.
• Cumulative Bonus: It is a reward for staying healthy, adding up for every claim-free year, signifying the theory of staying healthy pays.
• Eclectic Choice of Cashless Hospitals: A large network of 5900+ partner hospitals helps the insured to walk into any hospital for cashless or reimbursement treatment.

Go Digit Health Insurance Features

The simplistic digital interface of Go Digit Health Insurance is designed to extend ease and comfort to the insured. It is also supported by a plethora of features to make it a comprehensive health insurance cover for the discerning, with the confidence to lead a worry-free healthy lifestyle with the knowledge that there is a shield for health emergency protection. Some reassuring features to highlight are:

• Digital Platform: Possibly the only insurer with a fully functional Digital Platform Interface, covering the entire life cycle of the health insurance policy, which makes service delivery fast, accurate and transparent.
• Cashless Hospitalization: In-patient cashless hospitalization for illness and accident-related medical conditions for a comprehensive cover in one of the widest networks of 5900+ Partner Hospitals.
• Pre and Post Hospitalization: Liberal coverage for pre and post hospitalization expenses very similar to the cover for hospitalization.
• Comprehensive Maternity and Infertility Cover: It takes care of all medical expenses related to maternity and infertility medical issues and childbirth, including C-Section, Medical Termination of Pregnancy, New Born Baby vaccinations etc.,
• Daycare Treatment: A comprehensive cover for a range of Daycare procedures.
• Domiciliary Hospitalization: The cover is for the full amount of the sum insured but is restricted to the seniors only.
• Ambulance Cover: Road evacuation and well as Air Ambulance cover is provided with a limit of 1% of the sum insured for the former.
• Critical Illness Benefit: Ailments covered for management are Heart Attack, Cancer, Kidney Failure and Paralysis, suitably enhancing the Sum Insured.
• Daily Hospital Cash: The expense during the stay in the hospital is a severe drain on the financial resources of the insured. A daily cash allowance serves the purpose of mitigating the burden substantially beyond the hospital bill.
• Complimentary Annual Health Checkup: Prevention is better than cure is the guiding philosophy at Go Digit, where the insured is made aware of health status from second year onwards.
• Mental Health Benefit: Psychiatric issues are common in modern society and are also on the rise for several unavoidable factors. The benefit absorbs hospital expenses arising from mental trauma and related illnesses.
• Zone Upgrade: The cost differential in different cities is accommodated by an upgrade to enable the insured to access healthcare facilities anywhere in India.
• Ayush Treatment: It is specifically meant for senior citizens, who can enjoy the benefit of alternative modes of treatment, so commonly effective in our country.
• Second Medical Opinion: It is truly essential for Critical Illness Diagnosis obtained from a list of empanelled doctors during the policy period.
• Cumulative Bonus: This is applied at the time of renewal which amounts to 20% of the sum insured for the first claim-free year. 

Benefits of Go Digit Health Insurance

The primary reason for the purchase of a health insurance plan is for financial protection to tide over the crisis of medical emergencies, which is unpredictable, presents with complicated issues to tackle. This is where Go Digit Health Insurance plays a prominent role in easing the ordeal with a range of benefits to bank upon. It is not for nothing that the Go Digit Health Insurance Plan has achieved a pole position as an important component of financial planning in the country today. Some of the noteworthy benefits to highlight are:

• Financial Safeguard: It protects the financial resources of the individual from severe erosion when hospitalization leads to a big hole in the pocket.
• Disease Prevention: Complimentary Annual Health Checkup is ideal for ringing the alarm bells when a medical condition is in the offing with ominous signs revealed in the investigations. It provides ample scope to initiate remedial measures before the crisis is precipitated.
• Access to Quality Healthcare: Go Digit Health Insurance Policy is the ideal ticket to avail of the best medical care in the state of the art hospitals anywhere in India without any financial worry.
• Attractive Tax Benefits: There is ample scope for savings on tax liabilities for an individual who can not only buy health insurance plans for the immediate family, but also dependent parents. The tax deduction is permitted for both self and parents separately under Section 80D of the Income Tax Act, 1961.

*Tax benefit is subject to change as per the income tax laws.

Types of Go Digit Health Insurance

Go Digit Health Insurance offers two distinctive plans to the customers for choosing one that suits their health profile and budget. The plans are:

• Digit Health Care Plus Policy
• Go Digit Arogya Sanjeevani Policy

Go Digit Health Insurance Plan Comparison

The question that arises at this stage is why comparison of health insurance plans is so important? Reading and browsing lengthy health insurance prospectus or customer information sheets is not only cumbersome and time-consuming but also difficult to decipher at times because of the liberal use of unfathomable jargon. In such a scenario, a grid highlighting the salient features affords an overall view of plans at a glance, to help the customer to form an informed opinion of the pros and cons of any plan, in the shortest yet effective period. Accordingly, the grids below provide the basis for a customer to analyze the various inclusions without much strain. 

Go Digit Health Insurance Policies Explained

After one has a reasonable knowledge of all the salient features in each of the listed Digit Health Insurance Plans, it is important to delve into each plan in greater detail to expand upon the at a glance view already achieved. This helps the customer in proper analysis, which will go a long way when the final stage of purchase arrives. Merely learning about the inclusions in only part of the exercise, as a clear conception of the exclusions is what determines the claim settlement experience. It is vital as the final assessment of the health insurance is the feedback obtained from the claim settlement experience. It is further necessary to obviate repudiation due to the oversight to gauge the importance of various aspects of waiting periods and permanent exclusions. Go Digit Health Insurance has a unique feature in waiting period management. There are various options. The policyholder is free to flexibly choose the period that suits their profile.

Permanent Exclusions: The list described below is only indicative. It is prudent for the policyholder to consult the Product Prospectus for full details. 

• Artificial Life Maintenance including use of life support system
• Breach of the law, Criminal activities, Self-inflicted injury including attempted suicide
• External congenital disorders.
• Sexually transmitted disease and AIDS or HIV.
• Participation in hazardous activities, extreme sports
• Coverage provided in geographical limits of India only but extended worldwide on payment of extra premium
• Reproductive medicines and other maternity issues like birth control, infertility etc.
• Sleep disorders
• Corrective devices and prosthetics
• Self-medication and consultation of unregistered medical practitioners
• Cosmetic or Plastic surgery, not medically imperative.
• Perils of war or similar situations.
• Substance, drug and intoxication abuse including alcoholism
• Nuclear, Biological or Chemical contamination peril

Digit Health Care Plus Policy

In consonance with the ethos of Go Digit Health Insurance, the policy aims not only to protect the policyholder from the unforeseen medical emergency but also provides a cushion to absorb the high healthcare cost and lessen the financial burden arising out of it. Some of the salient cover inclusions are described below.

• Plan Variants: Smart Option and Comfort Option
• Plan Option: Individual and Family Floater
• In-patient hospitalization cover up to the full sum insured amount
• Additional Sum Insured: Applicable to Accidental and Critical Illness Hospitalization
• Pre and Post Hospitalization: cover up to sum insured
• Copayment: No age-based copayment
• Domiciliary Hospitalization: Applicable only to senior citizens up to the sum insured
• Room Rent: There is no capping of room rent
• ICU Rent: No capping of charges
• Complimentary annual Checkup: Limited to 0.25% / 0.5% of Sum Insured up to Rs 5000 maximum
• Hospital Daily Cash: Limited to Rs 500 per day
• Road Ambulance: The amount is limited to 1% of sum Insured maximum Rs 5000
• Post Hospitalization Lump Sum Payment: Restricted to 3% of Approved Claim Amount
• Psychiatric Cover Amount: Depending on the choice, 5% to 20% of the sum insured
• Bariatric Cover: Depending on the choice, 5% to 100% of the sum insured
• Refill Sum Insured: Limited to Comfort Plan only once in a policy year for an unrelated illness.
• Organ Donor Expenses: Applicable only to Comfort Plan
• Maternity and New Born Baby Benefit: Limited to a maximum of 2 kids up to 10% of sum insured
• Alternative Treatment: Only offered to senior citizens only
• Zone Upgrade: Co-pay will be applicable if the residence and treating hospitals are different cities. Three Zones A, B, and C have been defined for the purpose. The rate of Copayment applied in multiple combinations is between 10% and 20%.

Go Digit Arogya Sanjeevani Policy

Considering the multiplicity of health insurers churning a range of health insurance plans in India, customers experience enormous confusion while selecting suitable health insurance policy in harmony with individual requirements. The Insurance regulator, IRDAI designed a standard template for health insurance plans for rolling out by all the non-life insurers, operating in India. Accordingly, all insurers have complied with the stipulation, and the plan has been offered for sale throughout the country from 1^st April 2020. It is unique for the fact that the features are uniform across the country, at an affordable cost. The salient highlights of the health insurance policy are:

• Sum insured is in the range of minimum Rs 1 lakh and maximum Rs 5 lakh.
• The premium can be paid in Half-yearly, Quarterly or Monthly instalments.
• Persons between 18 and 65 years of age are eligible to apply for this health insurance plan.
• The policy term is fixed at 1 year.
• Self, Spouse, Dependent children between 3 months to 25 years, Parents, Parents-in-Law are considered to have an insurable interest in Family Floater plan options.
• Individual policy option accommodates up to 8 insurable persons in a single policy.
• Room rent entitlement in the policy is limited to 2% of sum insured with a cap of Rs 5000 per day.
• ICU charge is 5% of the sum insured with a cap of Rs 10000 per day.
• Inpatient Hospital and Daycare treatment are covered for the full amount of sum insured.
• Pre and Post Hospitalization cover is restricted to 30 and 60 days respectively, to the extent of the sum insured.
• Ambulance expenses to a maximum of Rs 2000 per hospitalization.
• Ayush treatment is covered for the full amount of sum insured.
• Cataract treatment is limited to 25% of sum insured with a cap of Rs 40000.
• Dental and Plastic Surgery procedures are admissible, provided they are the outcome of disease or injury.
• Pre policy medical test is compulsory, if the policyholder is 61 years and above in age.
• Cumulative Bonus for every claim-free year redeemed at 5% at each renewal till 50% of the sum insured is reached.
• Co-payment of 5% for all medical expenses is mandatory.
• Modern treatment methods and use of advanced technology entails loss-sharing up to 50% of the sum insured.

However, the policy doesn’t offer coverage for hospitalization merely for investigation, evaluation, rest, convalescence and recuperation, Bariatric Surgical treatment for obesity etc. 

Eligibility Criteria for Buying Go Digit Health Insurance

The below table shows the comparison of health insurance plans on age parameter for eligibility:

How to Buy Go Digit Health Insurance?

The preponderance of digital platform and promotion of paperless environment at Go Digit Health Insurance implies an online mode of purchase of the chosen plan. Meticulous analysis and navigation in the aggregator portal like Paisawiki.com and equally robust insurer portal can help to compare plans, before homing in on the perfect combination of features to include in the health insurance plan worthy of purchase. The online options are presented in a few simple steps at comfort round the clock.

• Visit the portal atcom to find the window for "Get Quote" button.
• The input to be given are name, gender and click on "Get Quote" Button".
• A new page opens seeking some other information such as age, type of policy, member, health condition etc.
• On submission, the next page will suggest vital information regarding the cover and options along with their premiums, features and benefits, rider covers with additional sum insured. The last input is if inflation driven increment of a fixed sum every year is necessary. Click on "Continue".
• The next page seeks other detailed information to "Continue."
• The final quote is given for acceptance and payment through a secure gateway and available payment options is ensured.
• Comply with other mandatory requirements for acceptance of the proposal and generation of Policy Document for preservation.

Go Digit Health Insurance Policy Claim Process

Go Digit health insurance offers two claim processes, cashless and reimbursement. The claim steps are as mentioned below:

Cashless Claim

Cashless claims can be availed at network hospitals only. The insured has to product the e-health card of Go Digit at the reception to cashless request. The further formalities will be done through the TPA at the hospital desk, starting form filling up the pre-authorisation letter to submit to the insurance company. On approval, the cashless treatment can be availed, where the hospital bills are to be settled directly by the insurer.

Reimbursement Claim

When treatment is availed from a non-network hospital, the insured has to pay the bills initially and register a claim later. The insurer has to be informed within a specific days of window. The claim form has to be submitted along with the relevant documents such as medical report, discharge summery, bills and receipts etc. Upon verification, the insurer settles the claim up to an admissible amount, paying through NEFT.

Documents Required for Claim Go Digit Health Insurance Policy

As already enunciated, Go Digit Health Insurance operates fully on a digital platform. Thus there is no provision of hard copies including with claims. However, it is in the interest of the policyholder to keep a list of documents required handy, to be used in case of need.   It should be noted that KYC documents are mandatory if the settlement amount exceeds the threshold of Rs 1 lakh.

• Duly filled in signed Claim Form
• Prescriptions, Consultation Papers and Requisition slips
• Diagnostic Investigation Reports in Original and Digital Images and Plates / CD etc.
• Original hospital bills with breakup duly authenticated
• Attending Doctor’s Certificate
• Bank Details with a cancelled cheque
• Additional Documents, if required.
• Police FIR and/or MLC
• Post Mortem Report
• Death Certificate

How to Renew Digit Health Insurance?

Like the purchase which is best done online at the insurer portal, so is the case with Digit Health Insurance Renewal. The user-friendly option is to navigate to the top of the home page of Paisawiki.com and select "Renewal" and accomplish the task in a few simple steps.

• The first page seeks the input of the registered Mobile Number for OTP verification for security reasons.
• The next input is the Policy Number and DOB.
• On the next page, the Policy details are displayed along with the payable renewal premium.
• Pay the premium and preserve the renewal Acknowledgement Receipt for reference in future.

FAQs