Health Insurance 277 views December 18, 2021

Go Digit Personal Accident Insurance is a type of additional health insurance that protects you financially in case of an accident. This policy shall cover expenses like hospitalization charges, fractures, etc. The company will pay a fixed benefit in case of any unfortunate accident (covered under the policy). Let’s learn more about the coverage and benefits of the Go Digit Personal Accident Insurance by reading this page further.

What are the Key Features of Go Digit Personal Accident Insurance?

The following are the highlights of this Go Digit Health Insurance Plan.

Fixed Payout – The company will pay a fixed benefit, as specified in the policy, in case of an accident.

No Medical Check-up – You don’t need to undergo any medical tests to buy this insurance plan.

Extensive Coverage – The plan comes with a wide range of covers for both minor and major injuries.

Home Hospitalization Cover – If you’re unable to go to the hospital for treatment, and the same is carried out at home upon the doctor’s advice, the insurer will cover that too.

Affordable Premium – At a low-cost premium, you can get this policy.

Cumulative Bonus – The company will provide a 10% increase in the sum insured after every claim-free year.

Online Claim Process – By visiting the official website of Go Digit, you can easily apply for a claim online.

Types of Go Digit Personal Accident Insurance

You can choose the coverage plan for Go Digit Personal Accident Insurance from the following –

Fundamental Option – Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Funeral and Transportation Expenses.

Support Option – Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Hospitalization Expenses, Day Care Procedures, Cumulative Bonus, Road Ambulance Charges, Hospital Cash, Child Education Benefit, Home Hospitalization, Pre/Post Hospitalization, Transportation of Imported Medicines.

All-rounder Option – Accidental Death, Permanent Total Disablement, Hospitalization Expenses, Day Care Procedures, Cumulative Bonus, Road Ambulance Charges, Hospital Cash, Child Education Benefit, Home Hospitalization, Pre/Post Hospitalization, Funeral and Transportation Expenses, Transportation of Imported Medicines.

Go Digit Personal Accident Insurance Cover

The insurance company shall provide you coverage against the following –

Disablement – If the accident results in loss of sight, limbs, you’ll get coverage as specified against each disability under the policy schedule.

Accidental Death – When the life assured dies in an accident, the company will pay a sum assured to the dependent as well as cover funeral and transportation expenses.

Hospitalization Expenses – The company will pay for the room rent, diagnosis, daycare procedures, pre and post-hospitalization expenses and road ambulance charges if you get treatment at its network hospital. Otherwise, you can seek reimbursement of these expenses after your discharge from the non-network hospital.

Loss of Income – If the accidental injury results in Temporary Total Disablement, the company will pay a weekly amount to you to compensate for the loss of income.

Benefits for Children – Your dependent children also get financial support as the insurer will cover the cost of their education or marriage in case of permanent total disability or your death due to an accident.

Adventure Sports – The company also covers adventure activities such as scuba diving, bungee jumping, or skydiving-related injuries as long as it is done under professional supervision.

Exclusions from Go Digit Personal Accident Insurance

The insurer won’t cover injury or death related due to the following –

  • War or terrorism
  • Influence of drugs or alcohol
  • Criminal activity

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