Go Digit Health Insurance

6 min read

Overview of Go Digit Health Insurance

Go Digit Health Insurance is an insurance provider offering an extensive number of health plans to protect you and your precious ones in the family from diseases and medical emergencies. Go Digit supports all your health insurance needs with cost-effective premiums that can fit into every budget. They have health plans for both individuals and family floater plans.

Go Digit insurance company is backed by Fairfax Group, a Canada based financial services group with presence in more than 30 countries. Go Digit, which is also known as Digit Insurance, offers numerous products in the insurance sector.

The Go Digit Health Plans protects the insured, his/her spouse, Children (dependent), and dependent parents in the family floater plans. The Go Digit health plans cover insured in case of hospitalization due to any emergency/accident, diseases, maternity cover, and even covers critical illnesses.

Along with Health Plans, Go Digit offers a range of products in the insurance sector such as, Motor Insurance (car and bike), Travel Insurance, commercial insurance, shop insurance, home Insurance, Mobile Insurance and so on.

The policies under Go Digit Health Plans are so designed that they cover you financially at the time of an emergency to protect your family and you from any sudden health issues which might harm your savings. Thus, you can carry on with the health treatment of yourself and your family members without any worry  of money, thereby making sure of the good health and happiness of your family.

Go Digit is a Bengaluru based company that works on the principles of multi-channel insurance distribution and uses online or digital platforms for all their insurance facilities including claims settlement and customer service etc.

Key Highlights of Go Digit Health Insurance Company

Key Features Specifications
Network Hospitals Available 6400+
Waiting Period (Pre-existing Ailments) 2 years
Claims Settlement Ratio 63.56%
Policies Issued 20, 000
Covid-19 Cover Available
Renewability Lifelong

* Year 2019-20 Data

Awards and Achievements of Go Digit Health Insurance Company

  • At the 23rd and 24th Asia Insurance Industry Awards 2019 and 2020 respectively, Go Digit was awarded as the ‘General Insurance Company of the Year’.
  • Awarded the Insurance Startup of the Year – India by Insurance Asia Awards 2020.
  • Great Place to Work Certified Organization.
  • Ranked among the top Indian start-ups in 2018 and 2019.
  • Receiver of the 10th CMO Asia Awards 2019 – Insurtech of the year
  • Receiver of CMO Confluence & Corporate Awards 2019 – Best General Insurance Company
  • Receiver of SKOCH Awards – SKOCH Order of Merit for two consecutive years – 2018 and 2019
  • Featured in List of Fastest-Growing Fintech Startups 2018

Key Features of Go Digit Health Insurance Plans

Below are some of the key features of the Go Digit Medical Insurance Plans:

  • Complimentary Health Check-up – Go Digit insurance plans offer the facility of complimentary Health Check-up with Rs. 5000 or 0.25% of the Sum Insured as the maximum compensation.
  • Sum Insured Restored – With Go Digit health plans, the amount of sum insured gets restored once it exhausts in family floater plans.
  • Cumulative Bonus – Under the Go Digit health insurance plans, you are eligible to receive cumulative Bonus at the time of policy renewal if you have not utilized your policy or not filed any claims for a policy year. In this case, your sum insured of the policy gets increased without paying an extra amount of premium.

Other key features of Go Digit Health Insurance include:

  • Reasonable Premiums
  • Immediate Online Quotes
  • Transparent Policy Claims
  • Quick Settlement of Claims
  • Cashless Treatment Facilities
  • Transport Allowance Coverage
  • 24/7 Customer Assistance
  • Easy Online purchase of policies and renewal

Eligibility criteria for Go Digit Health Insurance Plans  

  • Minimum Entry age – 1 year
  • Maximum Entry Age – 60 years

Top Digit Health Insurance Plans

1. Digit Healthcare Plus Policy

The Digit Healthcare Plus Policy protects you as well as your family members in case of hospitalization for a wide range of medical costs.

  • Eligibility  – between 1 and 65 years
  • Policy term – 1, 2, or 3 years

Features:

  • cover in-patient hospitalization costs.
  • Cover daycare procedures
  • Cover pre and post hospitalization costs
  • Cover dental treatment (caused due to accident)
  • Cover road ambulance expenses
  • Cover second e-opinion expenses
  • Cover bariatric surgery expenses
  • Cover AYUSH treatments
  • Cover complementary health check-up

 

2. Digit Arogya Sanjeevani Policy

This is a cost-effective health insurance policy that protects the insured and his/her family against basic healthcare costs during hospitalization.

  • Eligibility – 3 months and 65 years
  • Policy sum insured – Rs. 1 lakh and Rs. 5 lakh

Features:

  • This policy stays valid for one year, and requires annual renewal after one year.
  • In-patient hospitalization costs are covered under this policy.
  • Pre, post hospitalization costs covered as part of this policy.
  • Road ambulance costs also covered
  • AYUSH treatment costs are also compensated under this policy.
  • Costs of daycare treatments are taken care of as part of this policy.

Scope of Coverage of Go Digit Health Insurance plans

Below are the coverage benefits that permit an insurer to get a better digit health insurance review.

  • The plans allow coverage for pre, post hospitalization costs.
  • Covers in-patient hospital treatment, which includes hospital room rent, doctor’s consultation fee, cost of medicines, etc.
  • Covers maternity hospitalization costs.
  • Covers Daycare Procedures.
  • Protects the insured against Domiciliary treatment.
  • Newborn baby cover.
  • Emergency road and air ambulance cover.
  • Critical illnesses cover.
  • Expenses incurred for organ transplantation is also covered.
  • Covers Dental treatment or surgery if the damage is caused due to an accident.

Exclusions of Go Digit Health Insurance Plans

  • The Go Digit health policies doesn’t cover costs if the hospitalization is caused owing to a health condition that is not related to what the doctor has stated.
  • These plans don’t cover the cost of life support machines or other artificial machines for treatment.
  • They do not cover expenses that are incurred by the insured due to his/her involvement in illegal activities.
  • They also do not cover pre-existing illnesses until the completion of the waiting period.
  • The plans do not cover if the insured gets injury while attempting suicide.
  • It also does not cover conditions caused due to the use of narcotics, drugs or alcohol consumption and so on.

How to File a Go Digit Health Insurance Claim?

Cashless Claims Procedure

Go Digit health insurance has associated with MediAssist to support the policyholders with cashless claims process. The insurer offers cashless hospitalization with network hospitals of more than 6400. The insured person can check the hospital list online using the MediAssist account. Here are the steps to take for cashless treatment:

  • For cashless treatment get the pre-authorization form at the TPA helpdesk of the hospital.
  • Submit the properly filled and signed form at the helpdesk. This form will then be shared with the MediAssist team.
  • Once the MediAssist team assesses the documents of the insured, they will approve the form.
  • Once approved, the insured can start with the cashless treatment at the network hospital.
  • The insured can also call at 1800-103-4448 to initiate the cashless claims.

 

Reimbursement Claim Procedure

  • For the reimbursement process, the insured can get the treatment done in any hospital including non-network hospitals.
  • The insured needs to submit the applicable documents received from the hospital to get compensation in lieu of the hospitalization costs.
  • You can apply for online claims by offering some documents. But before that you have to notify the insurer about the claim by calling them at their support number.
  • The insurer will send you a link on your email id that is registered with them or over the phone. The insured needs to submit original documents including hospital bills, reports etc. as well as the bank details of the insured to transfer the compensated money.
  • The documents should be self-attested with the signature of the insured and the date.
  • Also, in some cases, the insured might have to submit original documents after getting discharged from the hospital or within 30 days.
  • The documents will be verified and then your claim will be processed. The compensation amount will be received within a month’s time.

Documents Required  to Claim a Go Digit Health Insurance Plan

Without the knowledge of what all documents you need to submit, it becomes difficult to file a claim for insurance.  Below are the documents you require to file a claim for Digit Health insurance plans:

  • Claim form – duly filled and signed
  • Hospital discharge summary
  • Health insurance policy papers
  • Medical records
  • Hospital bills – original copy
  • Pharmacy bills – original copy
  • Hospital bill break-up
  • Prescriptions
  • Investigation reports
  • KYC details (if required)
  • FIR/ MLC report (if required)
  • Post Mortem Report (if applicable)
  • Disability certificate (if applicable)
  • Doctor’s certificate who attended the patient
  • Bank details with a canceled cheque
  • Death certificate (If applicable) etc.

For best Go Digit health insurance reviews, one must consider all the possible aspects of Go Digit health insurance plans to understand and to have a better idea of the plans and to benefit from them accordingly.

FAQs on Go Digit Health Insurance

Why Go Digit Health Insurance?

With a claims settlement ratio of 93 percent, Digit insurance is one of the best health insurance providers in the country. It is also emerging as one of the reputable general insurance providers in India. Go Digit offers the best Individual Health Insurance policy in the country with best Coverage and benefits.

What are the benefits of buying Go Digit health insurance plans?

Here are some of the benefits of buying Go Digit health insurance plans:
Complimentary Health Check-up - Go Digit insurance plans offers the facility of complimentary Health Check-up with Rs. 5000 or 0.25% of the Sum Insured as the maximum compensation.
Sum Insured Restored - With Go Digit health plans, the amount of sum insured gets restored once it exhausts in family floater plans.
Cumulative Bonus - Under the Go Digit health insurance plans, you are eligible to receive cumulative Bonus at the time of policy renewal if you have not utilized your policy or not filed any claims for a policy year.
Lifelong Renewability: Under Digit health insurance plans, you get lifetime renewability benefits. So, regardless of age as long as you pay the required premium on time, you keep on getting the health benefits.

Can I port out my current plan to any of the Go Digit health insurance plans?

Yes, you can port your health insurance policy to Go Digit but for that you have to wait till the policy renewal time. So, when your existing health insurance policy is due for renewal you can inform your current insurer and switch plans to avail Go Digit policies. To make sure the portability is taken care of on time, apply at least 45 days prior to the expiry of your existing policy.

What is the process to make a claim through The Go Digit Insurance Company?

For Reimbursement Claims inform the insurer within two days of hospitalization by making a call at 1800-258-4242. Or you can email the insurer at healthclaims@godigit.com.
The insurer will send you a link where you can upload your hospital bills and the relevant documents to help you process the reimbursement claim.

What kind of insurance policies are offered by the Go Digit Insurance Company?

Following are the different types of General Insurances offered by Go Digit in India:
Health Insurance
Travel Insurance
Motor Insurance
Marine Insurance
Home Insurance
Commercial Insurance
Mobile Insurance
Bicycle Insurance

How to make The Go Digit Insurance online payment to renew the policy?

Here are the steps to follow:
Go to the official website of Digit General Insurance.
Go to the Renewals page by clicking on the renewal tab.
Enter your registered mobile number and ‘Login’.
Select the renewal quote of your choice and make the payment online via a secured payment gateway.

What are the health insurance claim settlement options offered by Go Digit?

Claim settlement process allowed by Go Digit health insurance company are cashless claim settlement and reimbursement claim settlement.

What are the documents required for the claim settlement process at Go Digit?

Claim form - duly filled and signed
Hospital discharge summary
Health insurance policy papers
Hospital bills - original copy
Pharmacy bills - original copy
Hospital bill break-up
Prescriptions
Investigation reports
KYC details (if required)
FIR/ MLC report (if required) etc.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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