Digit Health Insurance
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.
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.
Digit Health insurance claim process
Digit Health Insurance 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:
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
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
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.
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.
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.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
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