*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
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.
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.
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.
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:
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:
*Tax benefit is subject to change as per the income tax laws.
Go Digit Health Insurance offers two distinctive plans to the customers for choosing one that suits their health profile and budget. The plans are:
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.
Comparison of Go Digit Health Insurance Plans |
|||
Policy => |
Digit Health Care Plus |
Arogya Sanjeevani |
|
Parameters |
Smart |
Comfort |
|
Sum insured |
Rs. 2 lakhs to Rs.25 lakhs |
Rs.1 lakh to Rs.5 lakhs |
|
Policy Term |
1, 2 and 3 years |
1 year |
|
Plan option |
Individual and Family Floater |
||
Hospitalization |
Y |
Y |
Y |
Pre Hospitalization |
Y |
Y |
Y |
Post Hospitalization |
Y |
Y |
Y |
Post Hospitalization Lump Sum |
Y |
Y |
|
Additional SI –Critical |
X |
Y |
X |
Additional SI – Accident |
X |
Y |
X |
Daycare Procedures |
Y |
Y |
Y |
No Age-Based Co-payment |
Y |
Y |
Flat 5% |
Cumulative Bonus |
Y |
Y |
X |
Refill of Sum Insured |
X |
Y |
X |
Room Rent Capping |
Y |
X |
Y |
ICU Room Rent |
Y |
Y |
Y |
Road Ambulance |
Y |
Y |
Y |
Organ Donor Expenses |
X |
Y |
X |
Daily Hospital Cash |
X |
Y |
X |
Domiciliary / Home Hosp |
X |
Y |
X |
Ayush Treatment |
Y |
Y |
Y |
Health Checkup |
Y |
Y |
X |
Maternity |
Y |
Y |
X |
Bariatric Surgery |
Y |
Y |
X |
Psychiatric Illness |
Y |
Y |
X |
Zone Upgrade |
Y |
Y |
X |
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.
Choice of Waiting Period Options Offered to Policyholders |
|
Description |
Waiting period options |
Initial Waiting Period |
None, 2 days, 7 days, 15 days and 30 days |
Specific Waiting Period |
None, 1 year and 2 years |
Pre-existing Disease Waiting Period |
None, 1 year, 2 years, 3 years and 4 years |
Infertility Treatment Waiting Period |
None, 1 year, 2 years, 3 years and 4 years |
Maternity and New Born Baby |
None, 1 year, 2 years, 3 years and 4 years |
Critical Illness Waiting Period |
None, 30 days, 60 days and 90 days |
Cancer Benefit Waiting Period |
None, 30 days, 60 days and 90 days |
Defined Survival Periods |
|
Cover Description |
Compulsory Survival Period |
Critical Illness Waiting Period |
30 days |
Cancer Benefit Waiting Period |
30 days |
Standard T&C Apply |
Permanent Exclusions: The list described below is only indicative. It is prudent for the policyholder to consult the Product Prospectus for full details.
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.
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 1st 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:
However, the policy doesn’t offer coverage for hospitalization merely for investigation, evaluation, rest, convalescence and recuperation, Bariatric Surgical treatment for obesity etc.
The below table shows the comparison of health insurance plans on age parameter for eligibility:
Policy |
Digit Health Care Plus |
Arogya Sanjeevani |
|||
Parameter |
Entry Age |
Minimum |
Maximum |
Minimum |
Maximum |
Hospitalization & Daily Cash |
Proposer |
18 years |
No limit |
18 years |
65 years |
Child |
91 days |
No limit |
91 days |
25 years |
|
Adult Insured |
18 years |
No limit |
18 years |
65 years |
|
Critical Illness |
Proposer |
18 years |
65 years |
|
|
Child |
181 days |
NA |
|
|
|
Adult Insured |
18 years |
65 years |
|
|
|
* The policy will terminate on the settlement of the claim |
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.
Go Digit health insurance offers two claim processes, cashless and reimbursement. The claim steps are as mentioned below:
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.
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.
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.
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.
A: The usual modes are Cashless and Reimbursement, to be submitted separately.
A: The points to be importantly remembered are:
A: If the hospitalization is planned, the time for pre-authorization is 72 hours and for emergency hospitalization, it is 24 hours.
A: The valid minimum age for undergoing Bariatric Surgery is 18 years.
A: The basis for creation is the premise that medical costs vary across cities. If a policyholder resident in a particular city intends to seek hospitalization in a city with higher medical cost, the policyholder has to apply for Zone upgrade.
A: The alternative treatments that comprise Ayush are Ayurveda, Unani, Siddha and Homeopathy.
A: The Free look period permitted by Go Digit Health Insurance is 15 days from the receipt of Policy Document.
A: The claim intimation should be given to 1800-258-5956 or through email with the prescribed timelines. The insurer will revert with a link where the digital documents have to be uploaded for claim registration, processing and settlement.
A: The sum insured is enhanced by 25% each, at no extra cost.