Health Insurance
Digit
Digit Insurance is an Insurance tech start-up founded 4 years ago, and is backed by the Financial Services major Fairfax Group. Although it is relatively younger in the industry, it has a wide product list of Health, Travel, Motor, Home, Shop Insurance. There are only two Health policies, but with a decent number of features and even Health check-ups.
Digit Health insurance plans
Digit Insurance Smart Option
Digit Insurance's Smart option is a plain vanilla policy that does a decent job. And while it might not have a lot of benefits that other more sophisticated policies offer, it is an economical option. However we suggest reading the full draft below before finalizing on this policy considering Digit is a relatively new company and we don't have a lot of data on how effective their claim settlement process is.
Worldwide Treatment
Digit Worldwide Treatment Plan is one of the few plans that extend coverage for planned and emergency hospitalizations abroad. It also offers comprehensive protection if you’re considering treatment in India. However, Digit is a relatively new player with a limited track record and it’s something that prospective customers should consider before taking a plan.
Double Wallet
Digit's Double Wallet Plan offers decent protection without many restrictions. You can pick any room you like, you get your sum insured restored if you ever make a claim, and you also get a personal accident cover adding up to ₹50,000. If you consider the price at which this health insurance plan sells, you could be looking at a bargain. Unfortunately, Digit is a relatively new player with a limited track record and we generally don’t recommend taking a gamble here.
Digit Insurance Comfort Option
Digit Insurance's comfort option is a good policy that covers most bases. In fact, it goes one step further and even offers a critical illness cover (for diseases like Cancer) where you get an extra 25% above and beyond the sum insured after you exhaust your cover. The only point of interest is that Digit is a relatively new company and we don't have a lot of data on how effective their claim settlement process is.
Infinity Wallet
Digit Infinity Wallet Plan is a good policy. It has very few restrictions and it extends key benefits that most comprehensive policies do. And unlike Digit’s Double Wallet Plan, you get unlimited restoration benefits, a 50% no-claim bonus and a personal accident cover adding up to ₹1,00,000 with the Infinity Wallet plan. All this for a slightly higher price. However, Digit is a relatively new player with a limited track record and it’s something that prospective customers should consider before taking a plan.
Digit Health insurance claim process
Digit claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Digit's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Digit Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Digit website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Digit health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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