Go Digit Health Insurance Review

Founded in 2016 by Kamesh Goyal, Go Digit Insurance began as a tech-driven general insurer. It became publicly listed in 2024, marking rapid expansion across India’s insurance market.

With high-profile brand ambassadors like Virat Kohli and a strong digital-first approach, Go Digit has built visibility in the health insurance market. This guide covers its plans, features, performance metrics, benefits, and key limitations to help you assess the coverage.

Not sure whether a Go Digit Insurance plan is the right fit for your medical needs? Book a free call or WhatsApp us and let our expert advisors help you.

Note: The presented data is sourced from the IRDAI annual reports and Go Digit public disclosures. To explore other insurer metrics, explore Ditto Data Lab.

Go Digit Health Insurance Plans: Features & Coverage

The insurer offers three flagship health plans: Double Wallet Plan, Infinity Wallet Plan, and Worldwide Treatment Plan. These plans cover hospitalization due to accidents, illnesses, and critical illnesses, subject to policy terms.

Go Digit Double Wallet

• Sum Insured Refill: One refill is available during the policy period for related or unrelated illnesses. There is no exhaustion clause.
• Cumulative Bonus: Adds 10% of the base sum insured for every claim-free year, up to 100%.
• Room Rent: No room rent capping, subject to policy terms.
• Ambulance Cover: Road ambulance cover is 1% of the base sum insured, up to ₹10,000. Emergency air ambulance is not covered.
• Health Check-Up: Covers 0.25% of the base sum insured, up to ₹1,000, once every two years.
• Other Benefits: No age or zone-based copayment. Pre- and post-hospitalization expenses are covered for 30 and 60 days, respectively.

Go Digit Infinity Wallet

• Unlimited Reinstatement: The sum insured can be reinstated unlimited times during the policy period for related or unrelated illnesses. There is no exhaustion clause.
• Cumulative Bonus: Adds 50% of the base sum insured for every claim-free year, up to 100%.
• Room Rent: No room rent capping, subject to policy terms.
• Ambulance Cover: Road ambulance cover is 1% of the base sum insured, up to ₹15,000. Emergency air ambulance is also covered.
• Health Check-Up: Covers 0.25% of the base sum insured, up to ₹1,500, every year.
• Other Benefits: No age or zone-based copayment. Pre- and post-hospitalization expenses are covered for 60 and 180 days, respectively.

Go Digit Worldwide Treatment

• Worldwide Treatment: Provides coverage for eligible medical treatment outside India, subject to the policy terms and conditions.
• Sum Insured Refill: One refill is available during the policy period for related or unrelated illnesses. There is no exhaustion clause.
• Cumulative Bonus: Adds 50% of the sum insured for every claim-free year, up to 100%.
• Room Rent: No room rent capping, subject to policy terms.
• Ambulance Cover: Road ambulance cover is 1% of the sum insured, up to ₹10,000. Emergency air ambulance is also covered.
• Health Check-Up: Covers 0.25% of the sum insured, up to ₹2,000, every year.
• Other Benefits: No age- or zone-based copayment. Pre- and post-hospitalization expenses are covered for 60 and 180 days, respectively.

Note: The insurer offers various health insurance policies, including individual, family floater, and super top-up plans.

Go Digit Health Insurance Sample Premium Illustration

The premiums shown are illustrative for a ₹15 lakh sum insured, based on an insured person residing in Delhi (110010). The first three profiles include add-ons for consumables, cumulative bonus, and modern treatments, while the senior citizen profile includes the consumables add-on. 

Actual premiums may vary based on medical underwriting, age, location, and other policy details.

Note: Although Go Digit’s health plans state that they do not have age-based or zone-based copayments, the policy wording specifies that a 10% zone-based copay may apply if the address proof does not match the selected pricing zone. Check the policy schedule and applicable terms before purchase.

How to Buy & Claim Go Digit Health Insurance Online?

Buying Process

1) Step 1: Enter Your Basic Details

Start by visiting Go Digit’s website or app. Enter your PIN code, mobile number, age, and details of the family members you want to cover. This information helps Go Digit show health insurance plans that match your requirements.

2) Step 2: Choose Your Policy

Next, select the plan or variant, sum insured, and policy structure. You can choose between individual and family coverage and add eligible optional covers. Any applicable discounts will also be reflected in the premium.

3) Step 3: Provide Insured-Member Details

Enter the personal and health details of everyone you want to insure. Be accurate when disclosing medical history. Mention conditions such as diabetes, hypertension, thyroid disorders, previous surgeries, medications, investigations, and other relevant health conditions.

4) Step 4: Complete KYC and Pay the Premium

Once you finalize the policy, complete the required KYC and pay the premium online. Depending on the application, Go Digit may ask for documents such as identity and address proof, KYC records, or medical and income documents.

5) Step 5: Complete Underwriting

Paying the premium does not always mean automatic policy acceptance. Go Digit may ask for additional health information, previous medical reports, diagnosis details, or medical tests. The insurer then decides whether to accept, modify, or decline the application based on its underwriting process.

6) Step 6: Receive Your Policy

After the application is approved, Go Digit issues the policy digitally. You can access your policy documents and health e-card through the Go Digit app, making it easier to manage your coverage and access policy details when needed.

Cashless Claim

You can complete Go Digit claim intimation online through the Go Digit app or website and track your claim status digitally.

1) Choose a Network Hospital: Visit a hospital listed in Go Digit’s cashless network.

2) Show Your Policy Details: Present your health e-card or policy information at the insurance desk.

3) Request Preauthorization: Ask the hospital to submit a cashless preauthorization request to Go Digit.

4) Claim Assessment: Go Digit reviews the request and checks whether the treatment is covered under your policy.

5) Cashless Settlement: Once approved, Go Digit settles the eligible hospitalization expenses directly with the hospital.

6) Pay Your Share: You may need to pay for exclusions, non-covered expenses, deductibles, or applicable copayments.

Reimbursement Claim

Go Digit Health Insurance: Pros and Cons

Pros of Go Digit Health Insurance

• No Room Rent Restriction: Go Digit's main retail variants do not impose a room rent cap. This can reduce the risk of proportionate deductions when you choose a higher-category room, subject to the policy terms.
• No Standard Age or Zone-Based Copayment: The Double Wallet, Infinity Wallet, and Worldwide Treatment variants do not apply age-based or geographical copayments by default. This means your share of eligible expenses does not increase simply because of your age or the hospital's location.
• Strong Pre- and Post-Hospitalization Coverage: Infinity Wallet and Worldwide Treatment offer 60 days of pre-hospitalization and 180 days of post-hospitalization coverage. This gives you a longer window for eligible medical expenses around a hospitalization.
• Strong Digital Claims Infrastructure: Go Digit reported that 82.9% of cashless approvals were completed within 30 minutes and 92% of reimbursement claims were processed within one week in FY 2025-26. These figures indicate a largely digital claims process. The Go Digit Health Insurance claim settlement ratio stood at 99.21% in FY 2025-26.

Cons of Go Digit Health Insurance

• Unlimited Reinstatement Does Not Mean Unlimited Cover for One Claim: Infinity Wallet can restore your sum insured multiple times, but an individual hospitalization claim remains subject to the applicable base sum insured. Restoration may not help if a single large claim exceeds that limit.
• Consumables Coverage Requires an Add-on: Even with comprehensive hospitalization coverage, certain non-medical expenses may not be covered by default. You may need to purchase the relevant consumables add-on to reduce these out-of-pocket costs.
• Worldwide Treatment has a Restoration Limitation: Under the Worldwide Treatment configuration, the restored sum insured is restricted to hospitalization in India. The worldwide treatment benefit does not mean the restored amount can automatically be used overseas.
• Relatively New Insurer with Limited Scale: Go Digit has a shorter operating history and lower business volumes than several established insurers. This makes it harder to assess whether its current performance and claims metrics will remain consistent as the business grows.

Go Digit Insurance: Contact Details and Address

Go Digit customer care is available 24/7 to assist with policy-related queries, claims, and other support needs.

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

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 12,00,000 customers choose the right insurance policy. Why customers like Pallavi love us:

• 100% Free Consultation
• No Spam. No Sales Pressure.
• Rated 4.9/5 on Google Reviews by 30,000+ Happy Customers
• Backed by Zerodha
• Dedicated Claim Support Team
• Compare Plans and Premiums with a Trusted Insurance Advisor

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat with us on WhatsApp. Slots fill up fast!

Conclusion

Go Digit Health Insurance may suit young buyers who prefer digital-first insurance services, simple onboarding, and online claims support. Its plans offer useful features and competitive premiums.

Go Digit’s current pricing is attractive, but its long-term sustainability will depend on future claims experience, underwriting performance, and business growth. Buyers should compare premiums, coverage limits, waiting periods, exclusions, and renewal terms before choosing a policy.

For specialized benefits, shorter waiting periods, or a longer operating track record, you can also consider established insurers such as HDFC ERGO. Comparing multiple best health insurance plans can help you match coverage with your needs.