List of Various Diseases Covered in Digit Health Insurance Policy

Diseases Covered by Go Digit Health Insurance Plan

In today’s times of uncertainty, illness can come anytime, to anyone. The global COVID-19 pandemic is a true example of this. Not to forget, the growing trend of unhealthy lifestyles followed by most of us is only contributing to the increasing number of illnesses. In such situations, there is one certain hope though. Getting a health cover backup for you and your loved ones to prevent heavy burden of financial expenses in case of illness/disease. There are several health insurance plans in the market today. Go Digit Health Insurance is currently one of the best health insurance in India.

This post offers details on the various diseases covered under Digit Health Insurance policy so that you have a better idea before purchasing their plan.

What Does Digit Health Insurance Policy Cover?

Before buying any insurance policy, it’s always better to check out its scope of coverage – what diseases/illnesses it covers and what it doesn’t. This would help you make an informed decision. If you’re planning to buy medical insurance plans from Go Digit, listed below are all that their health insurance currently covers:

1. Cancer – The treatment for cancer can be quite stressful and expensive both. Depending on the stage of cancer, the patient may have to opt for chemotherapy and similar treatments, which are usually quite heavy on the pocket. Buying a health plan from Digit Insurance, such as Digit Health Plus Policy or Digit Health Care Plus Plan, can help cover the cost of cancer treatment.

2. COVID-19 – A pandemic that shook the entire world due to its rapid spread among people. In the elderly and those with co-morbidity, the infection may pose some serious health implications as well, requiring prolonged treatment.

Digit Insurance therefore provides complete protection against COVID-19 infection through its health plans – Digit Corona Rakshak Policy and Digit Corona Kavach Policy. Besides this, Digit Illness Group Insurance has been specifically designed for companies to provide coverage to their employees for COVID-related treatment costs.   

3. Psychiatric Health Condition – A mental illness that may impact a person’s mind, their thoughts, perception, mood, and even memory. Psychiatric disorders require prolonged treatments which can cost a lot. Digit Insurance provides health insurance plans to cover costs of treatments for mental illnesses.

4. Cataract – An eye disorder that normally affects the elderly, requiring a surgery for treatment. Cataract disease causes the formation of a thin layer over the eye lens that clouds normal vision. Cataract surgery can be quite expensive; however, Digit Aarogya Sanjeevani Policy can help cover the cost.

5. HIV Infection – A virus attacking the body’s immune system, its treatment may last for a long time, thereby involving huge cost. By obtaining the Digit Total Protect Policy, the patient can comfortably get the HIV treatment done.

6. Heart Conditions – Any form of cardiovascular diseases generally involve long durations of treatment and heavy costs as well. In some cases, surgery may be required too to improve the functioning of the heart. Health insurance can help you go ahead with planning such expensive treatments without worrying about the huge costs.

7. Brain Tumor – This is another fatal disease that may even cause damage to the brain and hence involves costly treatment options such as surgery. Digit Health Insurance can help you cover the large cost involved by offering several medical insurance plans.

What is not Covered Under Digit Health Insurance Policy?

Although Go Digit provides health insurance coverage in India for a large number of diseases as mentioned above, there are certain areas that the company does not cover under its coverage scope. These include –

• Treatment for any health condition that involves hospitalization without having been prescribed by a doctor
• Cost for prenatal and postnatal health care except when hospitalization is required
• Treatment cost for any pre-existing health conditions, except for claims made after the end of the waiting period

Digit Health Insurance Review

A quick sum-up of why Go Digit offers the top health insurance in India:

• Provides coverage for pandemics such as COVID-19, including hospitalization and other treatment costs involved.
• Does not put a cap on room rent, meaning that you’re free to choose any type of room during your hospital stay as per your convenience; Digit Health Insurance would cover them all.
• Provides annual cumulative bonus feature if you haven’t made any insurance claims in the year; all that amount adds up and the Go Digit gives it to you as an annual bonus at the end of the year.
• Perfect health insurance for digital nomads – The company supports the ‘cashless movement’ and therefore has more than 6,400 hospitals where you can comfortably opt for cashless treatment. Also, you can make all claims digitally; no hard copies to be submitted.
• Good claim settlement ratio (CSR) – It is one of the top factors to consider when buying an insurance policy from any provider. In this case, Go Digit scores a good 93% CSR, reaffirming its promise of claim-settlement to its policyholders.
• Offers extra sum insured in case of critical illnesses and hospitalization due to accident injury
• Tax-deductible premium – Buying health insurance from Go Digit also entitles you to tax benefits of up to Rs. 25,000, as stated under Section 80D of the Income Tax Act. The elderly are eligible for tax deductions of up to Rs. 75,000 when buying Digit Health Insurance Plan.

To Sum Up

Digit Health Insurance is one of the leading insurance providers in the healthcare market and their pandemic-specific insurance plans further make them attractive to the common man. The CSR is also good and the cashless claim benefit works great at keeping with the digital trend. Besides, there are a number of critical illnesses and health conditions that the policy covers, most of which are prolonged and heavy on the pocket. All in all, a good health insurance company to look out for when considering for medical insurance.

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