Health Insurance

What is a Health Insurance?
A health insurance or a medical insurance is a type of general insurance that safeguards you against financial losses by covering for you when you're faced with a health condition or medical emergency such as due to a disease, illness or even an accident.

This includes expenses incurred during pre and post-hospitalization, annual health check-ups, psychiatric support, critical illnesses and maternity-related expenses amongst others, as per your customized health insurance plan.

Think of it like that one friend who you know will always be there for you whenever you're sick or even just feeling low.

I don't need Health Insurance
India's covid outbreak is currently the fastest growing in the world!

Sedentary lifestyles are reported to cause 61% of hospitalizations

Younger Cancer Patient cases increasing day by day

Medical Inflations are making treatments unaffordable

Mental Health Illnesses have been on a rise in India.

Heart diseases have killed more people in India than any other non-communicable disease.

What's great about a Health Insurance by Digit?
Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!

Additional sum insured available- Get additional coverage specifically for Accidental Hospitalizations and Critical Illnesses, at zero cost!

Covers pandemics like the coronavirus- India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance so you needn't really get a separate coronavirus policy.

No age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.

No room rent restriction - Everyone has different preferences, and we understand that. That's why, we have no room rent restrictions. Choose any hospital room you prefer.

2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.

Cumulative Bonus - A reward for staying healthy! You can get yearly cumulative bonus for claim-free years.

Get treated at any hospital - Choose from 5000+ of our network hospitals in India for cashless treatment or opt for a reimbursement.

Health Insurance options suited for everyone

Health Insurance for the Young & the Restless: We understand that young people are a lot healthier and are often apprehensive to get a health insurance so early in life. However, getting a health insurance whilst you're young means you will have cheaper premiums, cross waiting periods faster, can avail maternity benefits when the time comes and even use our OPD cover for minor treatments and injuries that can happen to just about anyone!

Health insurance for the Great Indian Families: When you want to be that guardian angel and not only protect yourself, but your lovely family too. A health insurance for your family can be bought in the form of a family floater plan or an individual health insurance plan for each family member. With our special benefits such as refill sum insured, maternity benefit and newborn baby cover and more, our health insurance is perfect for families both big and small.

Health Insurance for the Old & the Wise: Whether you're looking to protect yourself or, your beautiful parents. Our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalization, no room rent capping and hospitalization for coronavirus; our health insurance understands exactly what our parents need.

Health Insurance for Fitness Enthusiasts: We understand that fitness enthusiasts are some of the most health conscious people out there. Whilst people like you are less prone to illnesses, buying a health insurance now can reap benefits such as cheaper premiums and tax savings whilst also coming to use in case of common workout injuries through our OPD benefit.

Health Insurance for Corporate Hotshots: Maybe you already have your corporate medical insurance covering for you. But do you know they're often really limited? Even if you don't want to get a standard health insurance like say the Arogya Sanjeevani policy, you can instead opt for a top-up health insurance to cover for amounts over and above your corporate plan. It's a win-win!

Health Insurance for Employees: Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy a health insurance for your employees at an affordable premium which won't only ensure they're protected but, also keeps them happier as an employee health insurance is a benefit all employees value!

Health Insurance for Value Seekers: For those looking for affordable yet valuable health insurance plans, you could go for standard health insurance plans like the Arogya Sanjeevani Policy or even a top-up health insurance that even though has a deductible, comes with lower health insurance premiums.



What's not covered?
Pre-Natal & Post-Natal Expenses: Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

Pre-Existing Diseases: In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor's Recommendation: Any condition you get hospitalized for, that doesn't match with the doctor's prescription is not covered.



Types of Health Insurance options in India
Family floater health insurance: A family floater health insurance is a health insurance plan shared by the entire family!

Individual Health Insurance: An independent, individual health insurance plan customized just for you!

Health insurance for Senior Citizens: A customized senior health insurance plan designed to suit those above the age of 60 years.

Super Top-up health insurance: A super top-up plan comes to your rescue when you've exhausted your corporate plan or can't pay from your pocket anymore.

Group Medical Insurance: A group medical insurance can be bought for multiple people such as for employees of a company.

Maternity Health Insurance: A maternity health insurance is dedicated to cover for hospitalization expenses when your bundle of joy is on the way!

Personal Accident Insurance: A personal accident insurance covers for injuries & falls during unforeseen circumstances on the road!

Arogya Sanjeevani policy: A standard health insurance that works well for value seekers. That's what the Arogya Sanjeevani policy precisely is!

Corona Kavach: A one-time shield to cover for hospitalization expenses due to the coronavirus.

Corona Rakshak: A type of coronavirus health insurance that helps cover for the expenses incurred due to the covid by offering a lumpsum amount.

Why should you get Health Insurance?
Here's why more and more people are opting for a health insurance in India.
1. Because it helps cover for medical expenses!
The primary benefit of a health insurance is that it covers for your pre and post hospitalization related expenses in case of an unfortunate accident or illness, which would otherwise eat your bank balance away! This includes treatment costs of the coronavirus too, which given the situation in India is the dire need of the hour.

2. Because it can help maximize your tax savings!
Who doesn't want additional tax savings, right? According to Section 80D of the Income Tax, anyone who buys a health insurance for themselves, or their parents can claim tax benefits on the annual premium!

3. Because it can safeguard you from critical illnesses
Contrary to popular belief, many critical illnesses like cancer and heart diseases are today diagnosed in young people 40. A health insurance ensures you will be financially covered in the likelihood of the same.

4. Because it keeps you financially secure!
More than anything else, a health insurance is a smart investment to make that not only helps safeguard your health by always being there you financially but, also helps you with benefits like no claim bonuses which are an ultimate win-win for the long run!

5. Because it ensures you get the right treatment at the right time!V
Imagine that because of some reason, you or a family member need treatment but don't have enough funds for it so you put it off for some time. This can often make matters worse.
A health insurance is important as it prevents this from happening and ensures you get your required treatments done on time. Additionally, with annual health checkups included in health insurance plans, you will always be aware of your health which can otherwise often go unnoticed.

6. Because it gives you some peace of mind!
How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health insurance to have your back in times of need.

Common Health Insurance terminologies simplified
Waiting period: The amount of time you need to wait before you can start using any benefits of your health insurance policy.

Copayment: Copayment means you and your insurer are going to split the bills, i.e. While your insurer will pay for a large share of the bill, some part of it would have to be paid by you.

Pre-existing disease: Any disease or health condition that you already have had symptoms of or have been treated for before getting your health insurance policy is considered as a preexisting disease.

Daycare procedures: When one needs to be admitted to the hospital for a treatment or operation, but for less than 24-hours only. These treatments are referred to as daycare procedures.

Pre-hospitalization expenses: Medical bills go beyond what you need to pay for your stay at the hospitalization. Medical expenses incurred before hospitalization are called pre-hospitalization expenses. For eg: Expenses due to diagnostic tests.

Cumulative bonus: When you don't make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called as cumulative bonus.

Deductible: Some health insurance plans require you to pay from your pocket before they can cover for you. This amount is called a deductible. This amount is usually decided by you while buying your health insurance policy.

Sum insured: This is the maximum amount your health insurer will be able to cover for you in one year.

Portability: When you're not too happy with your current health insurer and want to switch without having to lose out on waiting periods. This process is called portability in health insurance.

Popular myths about Health Insurance
Health Insurance covers for only serious illnesses: Many people are under the impression that health insurance plans cover for only serious and critical illnesses. However, that's not true! A health insurance plan covers for regular illnesses, accidents, psychiatric support, child-delivery and also basic annual health checkups!

I don't need a health insurance, cause I'm too young for illnesses: Contrary to popular belief, no matter how old you are- you can be prone to illnesses both big and small. Especially, in the times we live in today- more and more younger people are being diagnosed with health conditions like PCOS, cancer and lung diseases due to our climate change driven lifestyles and unhealthy eating habits.

Health Insurance processes are time consuming: This honestly just depends on the kind of health insurance plan you have, and your insurance provider! Thanks to technology, the best health insurance plans are now a lot quicker and hassle free!

If you have savings, a health insurance isn't important: We're so optimistic sometimes, aren't we? While our savings can help us in time of need, the limit of the same can never be foreseen. The best health insurance on the other hand, is a dedicated investment you make solely towards your health so you don't need to shell out your savings or face any financial pressure in the future!