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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.
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.
Read through this page to know these features 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!
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 Injury | Scale of Compensation |
---|---|
Death | 100% of the Sum Insured |
Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% of the Sum Insured |
Loss of one limb or sight of one eye | 50% of the Sum Insured |
Permanent total disablement from injuries other than named above | 100% of the Sum Insured |
Note: Above-mentioned situations should happen within 6 months of the occurrence of the accidental bodily injury.
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.
Under accidental hospitalization cover, this plan also covers day care procedures (treatments that do not require 24-hour hospitalization) and road ambulance charges.
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.
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.
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.
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.
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).
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.