Go Digit Double Wallet Plan Review

Overview

The Go Digit Double Wallet plan has a second wallet equal to the base Sum Insured (SI), available for another eligible hospitalization.

Key Features

Double Wallet Structure: The backup equals 100% of the SI and can be used once for a later hospitalization involving a related or unrelated illness.
Room Eligibility: There is no room-rent restriction under hospitalization cover.
Co-Payment: There is no mandatory co-payment under hospitalization cover.
Cumulative Bonus: The cover increases by 10% of the SI for each claim-free year, up to 100%.
Personal Accident Cover: The proposer gets a built-in accidental death benefit of ₹50,000.

Limitations & Exclusions

Consumables: Non-medical items and consumables require an optional additional cover.
Modern Treatments: Listed modern treatments are capped at 50% of the SI unless Advance Care is selected.
Waiting Periods: The plan has a 7-day initial waiting period, 24 months for specified diseases, and 36 months for pre-existing diseases.

A plan called "Double Wallet" sounds like your cover doubles the moment you need it. So what do you actually get?

With the Go Digit Double Wallet Plan, the second wallet is a backup equal to your base sum insured, available for a later eligible claim during the policy year.

That makes the name easy to understand, but the plan's real value depends on how this backup works alongside the rest of the cover. So it’s worth looking beyond the headline feature before deciding whether it fits your needs.

In this Go Digit Double Wallet Plan review, we break down how the second wallet works, the key features and add-ons, eligibility, Digit’s claim metrics, and the major pros and cons.

What Is the Go Digit Double Wallet Plan?

The Go Digit Double Wallet plan is a health insurance policy from Go Digit Health Insurance that comes with a backup cover equal to your base sum insured. Essentially, this works like a restoration or refill benefit, giving you additional coverage after you make an eligible hospitalization claim during the policy year.

Key Details of Go Digit Double Wallet Plan

Parameter	Details
Policy Type	Individual and family floater
Sum Insured (SI) Options	₹2 lakh to ₹3 crore
Policy Tenure	1/2/3/4/5 years
Family Floater Structure	Maximum up to 2 adults and 4 children
Room Eligibility	No room-rent restriction
Co-Payment	No mandatory co-pay under the hospitalization cover. An optional Network Hospital Discount can introduce a co-pay of up to 20% for treatment outside the applicable network.
Disease-Wise/ Treatment Sub-Limits	No general disease-wise cap, but some treatments have sub-limits: 50% of SI for listed new-age (modern) treatments and cochlear implants, and 5% for certain injections/medications.
Waiting Period	7-day initial waiting period (except accidents, which are covered from day 1), 24 months for specific diseases/procedures, and 36 months for pre-existing diseases.
Pre- and Post-Hospitalization	30 and 60 days, respectively
Road Ambulance	1% of the sum insured, capped at ₹10,000

Eligibility Criteria for Go Digit Double Wallet Plan

Adult Entry Age

The proposer must be at least 18 years old, with no maximum entry age.

Child Entry Age

Children can be covered from 91 days of age, with no maximum entry age.

Financially Independent Children

Once financially independent, children should have their own policy instead of continuing as dependents.

Go Digit Double Wallet Plan: Key Features and Riders

Features	Details
Bonus	10% of base SI for each claim-free year, up to 100% of base SI.
Day Care, AYUSH & Domiciliary Treatment	Covered up to SI
Bariatric & Psychiatric Hospitalization	Covers eligible bariatric surgery and psychiatric hospitalization up to the sum insured
Personal Accident Cover	Includes an in-built accidental death benefit of ₹50,000, subject to policy terms
Health Check-Up	0.25% of SI, capped at ₹1,000, after every 2 continuous policy years.

Source: Go Digit Double Wallet policy wording

Riders Offered by Go Digit Double Wallet Plan

Consumables Cover

Covers specified non-medical items and consumables used during an admissible hospitalization, such as eligible gloves, masks, syringes, and similar expenses that may otherwise be excluded.

Advance Care

Improves cover for listed new-age or modern treatments by raising the applicable limit from 50% of the hospitalization sum insured to 100%, subject to policy terms.

Infinite Cumulative Bonus

Lets your cumulative bonus grow beyond the regular cap by adding 100% of the base sum insured for eligible policy years, subject to the option selected and policy conditions.

Health Check-Up From Day One

Makes the health check-up benefit available from the start of the policy instead of waiting for the usual two continuous policy years.

These are some of the more relevant optional covers available with Double Wallet. For the full list and exact conditions, refer to the prospectus and policy wording.

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How the Second Wallet Works When Your Base Cover Runs Out

The second wallet gives you a backup equal to your base sum insured. Once you make an eligible hospitalization claim, the backup becomes available for a later claim during the policy year. It can be used for a related or unrelated illness of the same insured person.

Here is how it works with a ₹10 lakh base cover:

Claim 1 is ₹4 lakh. You still have ₹6 lakh of base cover left, and the ₹10 lakh second wallet becomes available. So you effectively have ₹16 lakh available for later eligible claims.
Claim 2 is ₹9 lakh for a complication of the same illness. The claim can use the remaining base cover and then the second wallet, because the backup works for related and unrelated illnesses.
If the first claim itself is ₹12 lakh, Digit will not use the second wallet to cover the ₹2 lakh excess on that same hospitalization. A single claim is still capped at the base sum insured.

Important: Under Double Wallet, this backup is available only once in the policy period, unlike the Infinity Wallet plan, which offers restoration an unlimited number of times during the policy year.

Go Digit: Performance Metrics

Metrics ( Average FY 2024-26)	Go Digit	Industry Average
Claim Settlement Ratio (CSR)	99.01%	92.02%
Incurred Claims Ratio (ICR) (Average FY 2023–25)	83.17%	81.88%
Complaints Received per 10,000 Claims	19.08	29.35
Annual Business - Total Health (In Crore)	₹1,666.04	₹4,504.48
Network Hospitals	9,000+	10,000+ (Benchmark)

Source: This information comes from IRDAI annual reports and Go Digit public disclosures. For more data on other insurers, explore Ditto Data Lab.

Pros and Cons of the Go Digit Double Wallet Plan

Pros	Cons
Covers eligible in-patient psychiatric treatment and bariatric surgery, useful inclusions for a relatively simple base plan.	The second wallet is available only once in the policy period, so it cannot support repeated refills after multiple large claims.
Includes a built-in ₹50,000 accidental death benefit, adding a small personal accident cover without a separate add-on.	Consumables are not built in and require an optional cover.
Has the highest three-year average CSR (99.01%) among insurers.	Pre- and post-hospitalization cover is limited to 30 and 60 days, which is shorter than several comprehensive plans.
-	Its claim-independent infinite bonus is not built in and requires an optional add-on with claim protection.
-	Listed new-age treatments are capped at 50% of SI unless you opt for Advance Care.

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Conclusion

The Go Digit Double Wallet Plan keeps things relatively simple: one backup equal to your base sum insured, which you can use for another eligible hospitalization involving a related or unrelated illness. That said, Digit also offers its Infinity Wallet plan, which provides unlimited restoration during the policy year. So, if you specifically want to go with Digit and prefer repeated refills instead of a one-time backup, the Infinity Wallet Plan may be worth considering alongside Double Wallet.

At the same time, the plan has clear limits. Consumables need an add-on, listed modern treatments are capped unless you opt for Advance Care, and pre- and post-hospitalization cover is relatively short at 30 and 60 days. So Double Wallet makes more sense for someone who wants a simpler plan with one refill rather than a feature-heavy policy with repeated restoration and broader built-in benefits.

If you want to compare it against stronger comprehensive options, you can also check Ditto’s guide to the best health insurance plans in India.

Frequently Asked Questions

How is the Go Digit Double Wallet different from a standard restoration benefit?

The Double Wallet gives you a backup equal to your base sum insured after an eligible hospitalization claim. It is available only once in the policy year and does not carry forward if unused. This makes Double Wallet more limited than plans offering unlimited restoration, which can refill the cover multiple times for eligible claims during the same policy year.

Can I use the second wallet in the Go Digit Double Wallet plan for the same illness in the same year?

Yes. You can use the second wallet for a later eligible hospitalization involving the same illness or an unrelated condition. However, it cannot be combined with the base cover to pay for one oversized first claim. The refill is available once in the policy period.

What sum insured options are available under the Go Digit Double Wallet plan?

The Go Digit Double Wallet Plan offers base sum insured options from ₹2 lakh to ₹3 crore. The second wallet equals the selected base sum insured. So, if you choose ₹15 lakh as your base cover, the backup wallet can provide up to another ₹15 lakh for an eligible hospitalization, subject to the policy terms.

Does the Go Digit Double Wallet plan have a room-rent cap?

No. The Go Digit Double Wallet Plan does not impose a room-rent restriction under the hospitalization cover. This means your room eligibility isn't capped at a fixed amount or room category. However, other policy conditions, exclusions, and treatment-specific limits still apply, so unrestricted room eligibility does not mean every hospitalization expense is covered without limits.

Is the Go Digit Double Wallet plan better value than a base plan with a super top-up?

It depends on the type of protection you want. Double Wallet gives you one refill equal to your base sum insured after an eligible claim, while a super top-up starts paying only after eligible expenses cross the deductible. At Ditto, we prefer a comprehensive, adequately sized base health plan first, because with a super top-up, you must still meet the deductible before the extra cover kicks in.

Does the unused second wallet under the Go Digit Double Wallet plan carry forward to the next year?

No. The second wallet is a backup available within the applicable policy year and does not accumulate as unused cover for future policy periods. At renewal, the policy starts with the benefits applicable to the renewed policy rather than adding an unused previous wallet to the new year’s cover. The separate cumulative bonus works differently and can accumulate, increasing cover over claim-free years.

How many cashless network hospitals does Go Digit offer under the Double Wallet plan?

Go Digit has a network of 9,000+ hospitals where policyholders can avail cashless treatment, subject to authorization and policy terms. The network applies across Digit’s health insurance portfolio, not exclusively to Double Wallet. This is slightly below Ditto’s 10,000+ network hospital benchmark, so it is worth checking whether your preferred hospitals are currently part of Digit’s cashless network before buying. You can do this through the Go Digit health insurance hospital list.

What is the Go Digit health insurance customer care number?

The Go Digit health insurance customer care number is 1800-258-4242 for health reimbursement claims. For cashless health claims, you can call 7709996079 or email healthclaims@godigit.com. Senior citizens can also use the dedicated helpline at 1800-258-4242 or email seniors@godigit.com. Digit also lists 7026061234 as its WhatsApp self-service number for general policy queries.

Last updated on: 4 Oct, 2026

Go Digit Double Wallet Plan: Features & Review