Health Insurance 939 views May 20, 2021

If you are looking to purchase a policy that can provide you comprehensive coverage, Digit Complete Care Policy could be suitable for you. This policy from Digit general insurance protects policyholders by providing coverage against different expenses incurred on hospitalization, ambulance, day care procedures, etc. Policyholders can also enjoy protection against any loss related to the building and its contents.

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Let’s check out the prominent features of the Digit Complete Care Policy mentioned below so that you can have a brief idea about the plan.

  1. Personal Accident protection
  2. Daily Hospital cash cover
  3. Out-patient (OPD) benefit
  4. Day Care Procedures coverage
  5. Road Ambulance charges 
  6. Coverage against accidental hospitalization
  7. Personal belonging protect (Burglary and Robbery and Accidental Damage cover) 
  8. Legal Assistance cover
  9. A 15-day free look period 

Read through this page to know these features in detail.

Let’s Understand the Features of Digit Complete Care Policy in Detail

Digit Complete Care Policy provides a wide range of benefits to the policyholders. We are discussing them below so that you can understand them clearly. Please check!

Personal Accident Protect

This plan from Digit Insurance provides a definite sum insured (according to the scale of injury) if an insured person faces bodily injuries due to an accident. To know more, check the below table.

Nature of InjuryScale of Compensation
Death100% of the Sum Insured
Loss of two limbs or sight of two eyes or one limb and sight of one eye100% of the Sum Insured
Loss of one limb or sight of one eye50% of the Sum Insured
Permanent total disablement from injuries other than named above100% of the Sum Insured

Note: Above-mentioned situations should happen within 6 months of the occurrence of the accidental bodily injury.

Accidental Hospitalization Cover

In case a policyholder meets with an accident and needs hospitalization, Digit Complete Care Policy will provide the coverage against expenses incurred on the following up to the sum insured limit.

  1. Room Rent (Hospital accommodation in a ward, shared or private room)
  2. ICU Charges
  3. Professional Fees (Treatment fees by specialists, physicians, qualified nurses, surgeons and anesthetists)
  4. Charges on drugs, medicines, consumables, prescribed by a specialist or medical practitioner. This also includes anesthesia, blood, oxygen, patient’s diet, surgical appliances, and cost of prosthetic and other devices or equipment if implanted during a surgical procedure
  5. Expenses on necessary procedures such as x-rays, pathology, brain and body scans (MRI, CT scans), etc.
  6. Operation theatre fees

Under accidental hospitalization cover, this plan also covers day care procedures (treatments that do not require 24-hour hospitalization) and road ambulance charges.

Daily Hospital Cash Cover

With this cover, the policy will pay a daily cash allowance to policyholders for each continuous and completed 24-hours of hospitalization arising out of accidental bodily injury. If the insured person is hospitalized in the ICU of a hospital, the policy will pay twice the daily hospital cash.

Outpatient Department (OPD) Benefit

With this benefit of the Digit Complete Care Policy, policyholders will also get coverage against OPD expenses for AYUSH, as well as medically necessary procedures such as X-ray, pathology, brain and body scans, etc.

Personal Belonging Protect

Digit Complete Care Policy will pay the market value of the lost personal belongings (at the time of loss) or replace the same with another one of a similar make-model in case it is physically lost during the policy period due to burglary. However, you must report the loss of your belongings within three days from the date of the incident.

Other than this, Digit Complete Care Policy will also cover the personal belongings in case they are physically damaged during the policy period due to the following perils.

  1. Fire & Lightning
  2. Explosion/Implosion
  3. Riot, Strike and Malicious Damage
  4. Earthquake (fire and shock damage)
  5. Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, Frost
  6. Accidental external means
  7. Landslide, Rockslide

Building and Content Protect

If the policyholder faces any accidental or physical loss or damage by any of the following perils during the policy period to his/her building and/or its contents, the policy will provide coverage up to the sum insured.

  1. Fire
  2. Lightning
  3. Explosion/Implosion
  4. Aircraft Damage
  5. Riot, Strike and Malicious Damage
  6. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  7. Impact Damage
  8. Subsidence and Landslide including Rock Slide
  9. Bursting and/or Overflowing of Water Tanks, Apparatus and Pipes
  10. Missile Testing Operations
  11. Leakage from Automatic Sprinkler Installations
  12. Bush Fire

The sum insured basis option for the building will be of two types – Market value basis (depreciation due to age, usage and condition) and Reinstatement value basis ( value of the similar property without considering depreciation due to age, usage and condition).

Legal Assistance Cover

Digit Complete Care Policy provides coverage against legal expenses (incurred by the insurer for defending a criminal trial/penal offense arising solely due to vehicle accident) and OPD treatment expenses, up to the sum insured. Under this cover, policyholders will get coverage against professional fees, diagnostic, surgical treatment, medication and OPD dental treatment.

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