Digit Health Insurance FAQs

As a Digit consumer, you can file as many health insurance claims as you like throughout a policy year, as long as the overall amount of individual claims does not surpass the policy's overall sum insured amount.

If you need assistance with a claim, please contact Digit at 1800-103-4448 or email hello@godigit.com.

Yes. If you are dissatisfied with the amount insured on your Digit family medical insurance, you can get it amended. You may do the same while renewing your coverage.

Yes, if you renew your insurance with the company without a gap, you will receive a health care check-up. Digit medical insurance covers medical screening costs up to the amount indicated in your insurance paperwork.

Yes, Digit may terminate the policy for misrepresentation, fraud, or failure to disclose relevant information by issuing you a 15-day notice by registered delivery to your last recorded address/e-mail ID, with no return of premium.

No, Digit doesn't offer a medical insurance plan specifically for children. However, children can be included under different Digit policies with their families.

Yes, maternity coverage is available under Digit plans. The insurance covers maternity expenditures such as labour and delivery and care for any pregnancy complications.

Parents under the age limit of 60 years are eligible for coverage under Digit's health insurance.

Yes, the costs of AYUSH therapy are covered under Digit's medical insurance plan.

You may pay the premium amount for the Digit Health Insurance policy using any of these methods - cash, credit card, debit card, cheque, or digital payment channels.

If you fail to renew your Digit health insurance policy on time, your plan will lapse, forfeiting all your cumulative bonuses. If you want health coverage, you will need to go through a new policy purchase procedure all over again.

You should check with your coverage plan and renew your policy before the end of its respective term year or expiry period. You can get it done online, where you will get many Digit health insurance online payment options.

Yes, your age does affect the premium value, and you will be required to pay more premiums for the health care coverage plan as you get older. This is because older people are more prone to medical complications than younger individuals. Maybe not every year. But the premium will rise after a gap of nearly five years, depending on the Digit health insurance plan variant you choose.

The documents required to renew an expired policy vary from plan to plan. Here are some general document details that you might need to produce for the renewal process:

• Medical history 
• Details of the previous health insurance policy.
• Valid ID, address and age proof
• Passport-sized photos.

Yes, if you don’t renew your Digit health insurance on time (even during the grace period), the waiting period norms will apply afresh. The policy will lapse, requiring you to buy a fresh plan and contend with all those waiting period norms from the date of new purchase.

The Third-party Administrator or TPA is the IRDAI-approved middle-man between the policyholder and the insurer. They take care of the health-related claims filed under the insurance policy.

No, Digit is digital-friendly and only requires you to upload the documents via the shared link. Hence there’s no need to send hard copies of the documents.

You can make as many health claims as you want within a year, as long as the costs are within the sum insured value of your plan.

With Digit health insurance, a reimbursement claim can take up to 30 days to get settled.

The cashless claim feature is available within the 6400+ network hospitals under the Digit health insurance.

Yes, you can settle your Digit health insurance policy download by policy number settled through your mobile device, as well as, your computer.

Some of the crucial details of the plan that you can get access to after getting the Digit health policy document download completed are:

• Policy duration
• Exclusions
• Coverage
• Benefits
• Terms and conditions
• Claim details

The original copy of the Digit health insurance policy document is sent out to the registered email address of the policyholder. They can also download the document online from the official Digit health insurance website with ease.

You can download the Digit health insurance policy document from the official Digit Insurance App available on both the Play Store and App Store. After downloading the application, just log in with your registered mobile number, and click on the option called “My Policies” to get access to all your Digit health insurance policy documents. From there, you can select the choice of policy you like and download them by clicking on the “Download Policy” option.

Yes, you can contact the official Digit Self-Serve WhatsApp client at 70260 61234 by sending “Hi”, and then selecting the “policy soft copy” option by replying with “2.” After that, you will have to click on the “health policy” option and reply with the 10-digit policy number that starts with the letter “D.” Thereafter, you will have your Digit health insurance document ready for download. 

As per Section 80D of the Income Tax Act, you are eligible for annual tax exemptions to certain amounts with the Digit health insurance policy.

You can easily get in touch with Digit by calling its toll-free number, which is 1800-258-5956, and sort out any of your queries related to the matter. It offers quick and professional help via its trained personnel. 

Digit health insurance has 6400+ network hospitals that offer cashless treatment facilities to the insured so they can get high-tier medical care without needing to pay the bills. This is a crucial benefit that the massive range of PAN India network hospitals under Digit health insurance provides to its policyholders.

Yes, you can earn a cumulative bonus for every claim-free year under Digit health insurance, which will increase your sum insured value without charging you more money.

Yes, one of the Digit Health Insurance plan benefits is that it covers pandemics like COVID-19. So, you don’t need to buy a separate policy for it.

Yes, you can also pick the reimbursement option under the Digit health insurance at a network hospital. In this case, you will have to pay for the treatment upfront from your own pocket and then file a claim. You can find network hospitals from the official Digit health insurance cashless hospital list.

Generally, the remaining amount has to be paid by you in this case. However, if applicable under the Digit health insurance policy’s terms and conditions, you can also get the option where the insurer will refill your sum insured amount after exhaustion.

No, you are not eligible for cashless treatment under a non-network hospital with Digit health insurance.

You can refer to the Digit health insurance hospital list for non-preferred hospitals near your location from their website.

You are supposed to inform your insurer about the planned hospitalisation process 72 hours in advance. 

Yes, the sum insured value affects the overall estimated premium price of your plan on the Digit health policy calculator.

Yes, the age of the insured is a very important factor involved in the process of determining the premium price of the plan.

You can visit the official website of the insurer to use Digit health insurance calculator online.

No, with the Digit health insurance calculator, you are not required to talk to any insurance advisor and can use the tool at your own pace.

The Digit health insurance premium calculator is a tool that gives you a general estimated value on the plan prices, however, the actual payable premium may differ at the time of buying a policy. This is due to the various other determining factors such as lifestyle habits, BMI, cover type, add-ons, etc.

No. The deductible amount can be self-funded so you do not need to have existing health insurance coverage.

Yes. The deductible amount must be paid for the top up plan to kick in.

Yes. This policy covers AYUSH treatment expenses.

The minimum age requirement to purchase a Digit health top up policy is 18 years.

The highest amount of tax deduction I can get from paying premiums of Digit health top up policy is INR 1 lakh given that you are above the age of 60 years and you have another senior citizen on the same policy.

To purchase Digit health critical illness policy, you need to visit the company’s website and follow the application procedure. Alternatively, you can go over hundreds of health insurance plans on Paytm Insurance and purchase the one which best suits your needs from here.

Yes. Policyholders can get family coverage from Digit health critical illness plans.

Yes. Digit health insurance critical illness plan covers cancer treatment.

Yes. Digit health insurance critical illness plan covers organ transplants.

To intimate a critical illness policy claim from Digit, you need to contact it by calling 18002595956 or texting them on Whatsapp at 7026061234. You can also send them an e-mail at hello@godigit.com.