Digit Health Insurance Review

Founded in 2016 by Kamesh Goyal, Digit Insurance started as a tech-driven general insurer. In 2023, it entered the life insurance space and later became a publicly listed company in 2024, demonstrating rapid growth over a short period. Digit Health Insurance has gained strong visibility with brand ambassadors like Virat Kohli, reinforcing its customer-friendly image.

This guide walks you through Digit Health Insurance performance metrics, plans, features, benefits, and key considerations to help you choose the right coverage.

Note: The complaint numbers shown above reflect all of Digit’s products (health, motor, and others), as the insurer does not publish product-wise complaint data separately. All this data is sourced from IRDAI Annual reports and Insurers’ public disclosure. The insurer ranks 2nd among the top 10 health insurance companies in India by CSR. Check out the infographic to see which other insurers are featured in it.

Premium Comparison for Digit Health Insurance

Note: The premiums above are for a ₹15 lakh cover, assuming the insured person lives in Delhi (110010). These illustrative premiums include add-ons for consumable cover, cumulative bonus, and modern treatments for the first three profiles, while for senior citizen the consumable cover add-on. The listed figures can vary according to the medical underwriting and the city you reside in. 

While Digit health plans state no age-based or zone-based co-pay, the policy document mentions that a 10% zone-based co-pay may apply if the address proof does not match the selected pricing zone.

Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra.

Digit ranks 7th in our top 10 health insurers list. Our methodology for identifying the best health insurance companies evaluates factors like CSR, GWP, and complaints to provide a balanced and comprehensive view.

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Conclusion

Digit Health Insurance is a strong option for young, tech-savvy individuals who prefer a modern insurer with simple, digital processes. Its smooth claims experience and easy onboarding make it convenient to use.

However, Digit’s premiums are currently very competitive and attractively priced. However, like many newer insurers, this aggressive pricing may not always be sustainable in the long run, as it depends on future underwriting performance and claim experience.

If you are looking for more specialized coverage, shorter waiting periods, or a longer track record, you may want to explore established insurers like HDFC Ergo. Overall, Digit is growing quickly and showing promising performance. If this trend continues, it could become a major player in the coming years.

Disclaimer: Digit Insurance is not a partner insurer of Ditto. Our assessment here is completely independent and based solely on publicly available data and the evaluation framework we use for all insurers. Please check the insurer’s official website for the latest available information.