Insurance Plans September 21, 2020

Digit Health Care Plus Policy

Go Digit is one of the known insurance companies that sell health insurance plans. These health plans give you huge protection against health risks. There is one such plan known as Digit Health Care Plus Policy that covers multiple health risks. There are 16 different types of sections that include the coverage of various types of health problems. The company will reimburse the expenses incurred during hospitalization like ambulance expenses, daycare treatment expenses, and many more. So, you must go through all the features and benefits of this health plan and see how it will be your helping hand during a medical emergency.

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Coverage of the Health Care Plus Policy

You can see the various benefits of this policy and the risk covered under it. There are 16 sections in this plan that are all about the health problems covered in it. So, you must go through all the treatments and the benefits of this health insurance plan.

Hospitalization Cover

TreatmentCover
Accidental Hospitalization Cover· Room’s Rent
· ICU’s Expenses
· Professional Fees
· Medication Charges
· Diagnostic Tests
· Theatre Fees
Daycare TreatmentAll the expenses done for the treatment done in a day are covered in this plan.
Pre-Hospitalization ExpensesThis plan will give you the reimbursement for the pre-hospitalization expenses under this plan.
Post-Hospitalization ExpensesThis plan will also give you the reimbursement for the post-hospitalization expenses under this plan.
Dental TreatmentThe dental treatment expenses are also covered in this plan.
Road AmbulanceExpenses related to ambulance will be reimbursed by the company
Second Medical OpinionIf you are taking a second medical opinion then those expenses are also covered.

Infertility Treatment Cover

If in case you are going for an infertility treatment then this plan will cover all the expenses related to it. But you will get this benefit only once during the policy tenure.

Organ Donor

Organ Donor’s expenses are also covered in this plan. If you are going through the organ transplantation surgery then the donor’s expenses and the surgery expenses will be reimbursed by the company.

AYUSH Treatment Cover

AYUSH Treatment includes Ayurveda, Unani, Siddha, and Homeopathy treatments. So, this insurance plan covers all the expenses incurred for the above-mentioned treatment.

Emergency Air Ambulance Cover

If in case of a health emergency you have to travel to another city through air ambulance then all the expenses related to it will be covered in this plan. This cover will only be provided if your hospitalization claim is accepted by the company.

Long Hospitalization Cash Benefit

In this cover, the company will pay you the lump sum amount as a cash benefit if you are hospitalized for a minimum number of consecutive days at the time of inception of the policy.

Maternity and New Born Expenses

If you have opted for this cover of the Digit Health Care Plus Policy then the company will indemnify all the expenses done during maternity. This option will cover all the expenses related to the delivery of the child. On the other hand, if there is any complication with the newborn child then those expenses will also be reimbursed. Then cover for the newborn baby will be up to a maximum of 90 days.

OPD Benefits

If you have opted this option as well then you will get a cover for the following expenses:-

  1. Doctor’s Fees
  2. Diagnostic Tests
  3. Surgical Treatments
  4. Medication
  5. Out-Patient Dental Treatment
  6. Hearing Aids
  7. Psychiatric Illness

Home Hospitalization Cover

Sometimes due to the unavailability of beds in the hospital or due to any other issue the doctor advice the patient to take care of him at home. So, all the expenses incurred for the domiciliary treatment are covered in this plan.

Sum Insured Refill

In this option, the company will refill the sum assured to 100% if gets exhausted. So, you have to decide this option at the time of the inception of the policy.

Hospital Daily Cash Benefit

In this benefit, the company will pay you daily cash if you are hospitalized. If in case you are hospitalized in an ICU then the company will pay the cash twice in a day.

Critical Illness Cover

In this option, the company will pay you the sum assured that was decided at the time of inception of the policy if you are diagnosed with the critical illness mentioned below:-

  1. Cancer of Specified Severity
  2. Myocardial Infarction
  3. Open Heart Replacement or Repair of Heart Valves
  4. Surgery to Aorta
  5. Primary (Idiopathic) Pulmonary Hypertension
  6. Open Chest CABG
  7. End-Stage Lung Failure
  8. End-Stage Liver Failure
  9. Kidney Failure Requiring Regular Dialysis
  10. Major Organ/ Bone Marrow Transplant
  11. Apallic Syndrome
  12. Benign Brain Tumour
  13. Coma of Specified Severity
  14. Major Head Trauma
  15. Permanent Paralysis of Limbs
  16. Stroke Resulting in Permanent Symptoms
  17. Motor Neurone Disease with Permanent Symptoms
  18. Multiple Sclerosis with Persisting Symptoms
  19. Loss of Independent Existence
  20. Aplastic Anaemia

Critical Illness Hospitalization Cover

If in case you are hospitalized due to any critical illness then the following expenses will be covered:-

  1. Room’s Rent
  2. ICU’s Rent
  3. Doctor’s Fees
  4. Medication Charges
  5. Diagnostic Tests Charges
  6. Operation Theatre Fees

Cancer Cover

In this option, the company will pay you the sum assured that was decided at the time of inception of the policy if you are diagnosed with cancer for the first time in life.

Cancer Hospitalization Cover

If in case you are hospitalized due to cancer then the following expenses will be covered:-

  1. Room’s Rent
  2. ICU’s Rent
  3. Doctor’s Fees
  4. Medication Charges
  5. Diagnostic Tests Charges
  6. Operation Theatre Fees

Wellness Program Benefit

If you have opted for this benefit then you will get the following services from the company.

  1. Doctor on Call
  2. Wellness Coach
  3. Lab Services (Home Collection)
  4. Pharmacy (Home Delivery)
  5. Vital/Physical Activity Monitoring Services
  6. Reminder Notifications
  7. Medical Wallet
  8. Report Aggregation
  9. Home Care Services
  10. Ambulance Arrangement Services
  11. Pick-up and Drop Services for Consultation
  12. Prioritizing Appointments

Other Details of Go Digit Health Care Plus Policy

ParticularsDetails
Minimum Age of Entry for Hospitalization Cover18 Years
Maximum Age of Entry for Hospitalization CoverNo Limit
Minimum Age of Entry for Critical Illness Cover18 Years
Maximum Age of Entry for Critical Illness Cover65 Years
Policy Term Options1 Year, 2 Years, and 3 Years
Minimum Sum AssuredRs.10000
Maximum Sum AssuredRs.3 Crores

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