Digit health insurance provides comprehensive coverage against health emergencies. You or your insured family members will be protected financially against vector-borne diseases, COVID, heart-related ailments, or any other illness while receiving treatment at a hospital with Digit health insurance. It is common for
health insurance policies to require hospitalization for at least 24 hours in order to be covered. Nevertheless, Digit health insurance plans will cover you even if you are admitted for a shorter period of time. In contrast, it may not apply to all treatment procedures, but a very large number of them. How about the pre-and post-hospitalization coverage offered by Digit health insurance? Considering Digit health insurance might be a good idea in the future.
You and your family are protected from unforeseen medical emergencies that would otherwise devastate your financial condition with Digit health insurance plans. By having a Digit
medical insurance policy, you will not have to worry about running from one place to another at the last minute for your medical treatments. With their network of hospitals, you can find a hospital near you that makes this possible. In order to ensure the health and happiness of your loved ones, you can apply for Digit health insurance.
Benefits of The Go Digit Health Insurance Plan
A Digit health insurance policy can provide the services you require, whether you want one that lets you choose from a range of benefits or one that allows you to consult with various health professionals. Digit health insurance offers the following benefits:
a. A sense of peace - When you're preparing for retirement, life can throw you some curveballs. A pre-existing illness or a major health issue can cause financial woes in the short term, and they can easily lead to larger problems we weren't prepared for. Medical insurance is a financial safety net that protects our families from unexpected medical expenses and medical problems. When your medical insurance plan authorizes medical care, you may be able to obtain cash through a policy. If necessary, the policy money can be used to pay for treatments and drugs related to your illness.
1. Amount of additional insurance - Healthcare coverage is a priority for Digit health insurance. In order to cover accidental hospitalizations and critical illnesses, it provides free supplementary coverage. You don't have to worry if an accident or illness causes you to be hospitalized unexpectedly or if you are hospitalized because of a critical illness. Since we understand what it means to take care of yourself first, Digit Insurance can cover the costs associated with either situation with no out-of-pocket expenses.
2. Coverage under COVID - There are many countries that are affected by COVID, including India. There is no need to purchase a separate Coronavirus policy with Digit, as it is covered under its standard medical insurance.
3. Co-payments are not based on age - When shopping for health insurance, you might have noticed that each insurer has different co-payment rules. How do you get the right to control your health insurance funds? Digital health is the future. With Digit health insurance, co-payments are not based on age. Medical insurance claims are free of charge.
4. Rent is not restricted - Every individual has their own tastes, and Digit knows that. As a result, hospital room rents are not restricted. The hospital room of your choice is up to you. Without paying anything extra, you can choose a private room.
5. Network of large hospitals -Digit offers coverage to people of all ages when it comes to finding the best cashless hospitals in India. Through its network of over 6400 hospitals and clinics across the country, you can find the nearest hospital for cashless treatment and get all your medical needs met.
6. Plans for group health insurance-Medical insurance coverage has become an increasingly important component of worker benefits packages offered by employers in recent years. A single master plan covers a set number of people under Digit Insurance. In addition to your firm's benefits program and your employees' health, Digit health insurance provides coverage for such things as in-patient hospitalization, daycare therapy, organ donation expenses, and infertility treatments.
7. Benefits of taxation - Section 80D of the Income Tax Act provides tax benefits for digital health insurance.
8. Digital Health Insurance Claims Settlement - Check the CSR or Claim Settlement Ratio of different health insurance companies before choosing one. In a particular period, we can calculate this ratio by comparing the total number of claims the company received to the total number of claims it settled. Your insurance provider will be more reliable if the ratio is higher. Inclusions of The Go Digit Health Plan
Digit health insurance policies cover the following scenarios:
1. Hospitalisation for inpatients - Upon admission to a medical facility for a period exceeding 24 hours due to sickness or injury, Digit will cover any healthcare expenses incurred. Accommodation expenses, doctor's appointments, diagnostic tests, blood, oxygen, drugs, etc.
2. The pre-hospitalization period - Any medical expenses incurred 60 days before hospitalization related to the treatment of the applicable illness will be reimbursed by the insurance company.
3. The post-hospitalization period - In the following 90 days after the patient leaves the hospital, Digit will cover any medical expenses incurred.
4. Therapy for daycares - In addition to paying for medical expenses arising from daycare procedures, it also covers funeral expenses. Medical procedures that do not require a longer stay in the hospital, such as daycare procedures and surgeries, are often referred to as daycare procedures.
Exclusions of The Go Digit Health Plan
In the Digit health insurance policy, you will have access to various health care benefits, but there are also exclusions, which can either be accidental or not. As a policyholder, you should be aware of some of the common exclusions under your insurance policy.
1. Costs associated with prenatal and postnatal care - Medical bills for pregnancy and postpartum, unless hospitalization is necessary.
2. Conditions that preexist - Until the waiting period expires, a claim cannot be filed for a pre-existing condition.
3. An un prescribed hospital stay - Ailments for which you are hospitalized but are not diagnosed by a doctor are not covered.
Claim Process of The Go Digit Health Plan
A number of medical insurance firms in India offer cashless coverage at a number of partner medical facilities. Cashless therapy is available at any of these facilities. In other words, Digit Insurance pays directly to the medical facility for the healthcare services associated with the bills.
Taking admission to any Digit Insurance partner medical facility in the event of a life-threatening situation allows the insured to receive medical treatment without thinking about cash.
Here's how it works:
- Whenever possible, inform Digit at least two to three nights prior to a scheduled hospitalization or within 24 hours of an unexpected hospitalization.
- At the hospital's Mediassist help desk or insurance help desk, present your e-health card and request pre-approval paperwork.
- Return the form to the helpdesk after filling it out, signing, and submitting it.
- The cashless option can be used if everything checks out. As soon as the therapy is authorized, it should be completed within 15 days.
