Go Digit Health Insurance

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.

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Key Highlights of Go Digit Health Insurance Company

* 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.

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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.

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