Insurance Plans September 19, 2020

Digit Total Protect Policy

Go Digit General Insurance Company has various health and investment plans. It has always amazed its customers with the services. You can cover a lot of health risks and expenses by taking the health plan from this company. Recently, it has launched the Digit Total Protect Policy that covers all the risks related to your health. This insurance plan covers accidental damages and hospitalization expenses and 27 different types of problems. There is a flexibility of adding the cover to this insurance plan among the 27 options. You must explore all the 27 covers available under this plan and their minimum and maximum coverage.

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Covers in the Total Protect Policy

Now, you must explore all the coverage that you can avail of in this policy. These covers will cover various types of health risks. You can explore all of them in detail.

Accidental Death

The company will pay 100% of the Sum Assured if in case the insured dies due to an accident. The minimum sum assured for the accidental death benefit is Rs.5000 and it is a maximum of up to Rs.20 Crore.

Permanent Total Disability

If you have opted for this cover then the company will pay you 100% of the Sum Assured. The insured can enjoy this benefit only if he has become permanently and totally disabled. The minimum Sum Assured for this cover is Rs.5000 and it is a maximum of up to Rs.20 Crore.

Permanent Partial Disability

The minimum sum assured in this option is Rs.5000 and a maximum of up to Rs.20 Crore. You can see the percentages of the sum assured for different types of Permanent Partial Disability.

InjuryPercentage of the Sum Assured
Loss of each arm at the shoulder joint70%
Loss of each leg above the center of the femur70%
Loss of each arm to a point above elbow joint65%
Loss of each leg up to a point below the femur65%
Loss of each arm below elbow joint60%
Loss of each hand at the wrist55%
Complete and irrecoverable loss of sight of an eye50%
Loss of each leg to a point below the knee50%
Loss of each leg up the center of the tibia45%
Loss of each foot at the ankle40%
Loss of hearing in each ear30%
Loss of each thumb20%
Loss of each index finger10%
Loss of sense of smell10%
Loss of each other finger5%
Loss of each big toe5%
Loss of sense of taste5%
Loss of each other toe2%

Loss of Income Cover

If in case your body is severely injured due to an accident then the company will pay you the loss of income benefit. The minimum income in a week starts from Rs.1000 and it is a maximum of Rs.2 Lacs per week.

Children Education Benefit

In this benefit, you will get a cover for your child’s education in case of accidental death or permanent total disability. The sum assured in this cover starts from Rs.5000 and it will be a maximum of Rs.50 lacs.

Child’s Marriage Expenses Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.50 Lacs is the Maximum Sum Assured for this option.

Orphan Benefits for Child

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.5 Crore is the Maximum Sum Assured for this option.

Funeral Expenses Cover

  1. Rs.1000 is the Minimum Sum Assured for this option.
  2. Rs.25 Lacs is the Maximum Sum Assured for this option.

Transportation Expenses Cover

  1. Rs.1000 is the Minimum Sum Assured for this option.
  2. Rs.25 Lacs is the Maximum Sum Assured for this option.

Trauma Counselling

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.25 Lacs is the Maximum Sum Assured for this option.

Accidental Hospitalization Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.2 Crore is the Maximum Sum Assured for this option.

Home Hospitalization Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.2 Crore is the Maximum Sum Assured for this option.

Long Hospitalization Cash Benefit

  1. Rs.5000 is the Minimum Sum Assured for this option in Digit Total Protect Policy.
  2. Rs.1000 is the Maximum Sum Assured for this option.

Daily Hospital Cash Cover

  1. Rs.100 per day is the Minimum hospital cash benefit that will be provided in this option.
  2. Rs.5000 per day is the Maximum hospital cash benefit that will be provided in this option.

OPD Benefits

  1. Rs.1000 is the Minimum Sum Assured for this option.
  2. Rs.1 Lac is the Maximum Sum Assured for this option.

Emergency Air Ambulance Benefits

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.2 Crore is the Maximum Sum Assured for this option.

Coma Benefit

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.1 Crore is the Maximum Sum Assured for this option.

Fracture Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.25 Lacs is the Maximum Sum Assured for this option.

Burns Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.1 Crore is the Maximum Sum Assured for this option.

Lifestyle Modification Benefit

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.1 Crore is the Maximum Sum Assured for this option.

External Aids Benefits

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.10 Lacs is the Maximum Sum Assured for this option.

Compassionate Visit Benefit

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.5 Lacs is the Maximum Sum Assured for this option.

Miscarriage due to an accident benefit

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.10 Lacs is the Maximum Sum Assured for this option.

Critical Illness Benefit

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.3.5 Crore is the Maximum Sum Assured for this option.

HIV Cover

  1. Rs.5000 is the Minimum Sum Assured for this option.
  2. Rs.1 Crore is the Maximum Sum Assured for this option.

Discounts in the Go Digit Total Protect Policy

You will get a discount on the premium if you take more covers in this insurance plan. You can see the percentage of discounts in the table given below:-

No. of Covers OptedDiscount Percentage
1 to 4 Covers0%
5 to 8 Covers14%
9 to 12 Covers19%
13 to 16 Covers22%
17 to 20 Covers26%
More than 20 Covers28%

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