Travel Insurance 108 views June 17, 2021

Digit International Travel Insurance Basic Option

Go Digit General Insurance provides International Travel Insurance – Basic Option to secure you financially against common mishaps encountered on an international trip. This travel insurance ensures your safety in an abroad country both medically and financially. Key features Digit International Travel Insurance – Basic Plan are as follows:

  1. Premium starts from INR 206
  2. A smartphone-enabled process claim process for easy settlement
  3. Zero paperwork
  4. 24×7 missed call facility for assistance
  5. Coverage across 216 Countries & Islands
  6. Flight Delay Benefit of INR 500-1000
  7. Zero deductible
  8. Coverage against adventure sports, trip cancellation, medical expenses, flight delay, etc.

Read this post further and know more about the Digit International Travel Insurance – Basic Option coverage and exclusions.

Digit International Travel Insurance – Basic Option Cover

If you purchase this policy, you’ll get coverage against the following:

  1. Emergency Accidental Treatment & Evacuation
  2. Emergency Medical Treatment & Evacuation
  3. Personal Accident
  4. Accidental Death & Disability
  5. Delay of Checked-in Baggage
  6. Total loss of Checked-in Baggage
  7. Loss of Passport

What is Not Covered?

The insurer isn’t liable to make payment in respect of the following:

  1. Claim arising out of war or any act of war, invasion, an act of a foreign enemy, hostilities or warlike operations
  2. Participation in any naval, military or air force operations
  3. Ionizing radiation or contamination by radioactivity from any nuclear fuel or waste
  4. Accidents involving radiations, nuclear wastes and lightning-fast planes
  5. Committing breach of law
  6. Consequential loss
  7. Suicide or attempted suicide
  8. Self-inflicted injury or illness
  9. Consumption of alcohol or drugs
  10. Depression
  11. Any incident that happens after the trip duration limit
  12. Tropical disease/contagious disease
  13. Vaccination
  14. Accidents arising due to driving a Motorized Two-Wheeler without wearing a crash helmet. The same rule applies when you are a passenger.
  15. Travel or accommodation arranged by air miles, loyalty or points-based ownership schemes, timeshares or similar promotions
  16. Refund of any course or tuition fees, project costs, sponsorship fees or similar unless specifically covered under the policy
  17. The trip is specifically planned to avail treatment for an existing medical condition
  18. Participation in any hazardous activities

Digit International Travel Insurance – Basic Option Extension

This policy can be extended as per the following conditions:

  1. Submit the duly filled Good Health Declaration form to the insurer
  2. Apply for an extension seven days before the expiry of the existing policy. Otherwise, the policy can’t be extended
  3. In case you have filed any major claim under the policy, it can be extended with the exclusion of the ailment/injury for which you have already claimed.
  4. Sum Insured won’t be enhanced on policy extension
  5. A single trip policy can be extended up to 95 days if the insured age is less than 70 years
  6. No extensions are allowed after the age of 70 years.

Claim Process

You can file a claim under this policy by following the steps shown below:

  1. Give a missed call on +917303470000 from your registered mobile number
  2. You’ll receive a call back within 10 minutes
  3. You can also notify the insurer about the claim by sending an email at travelclaims@godigit.com
  4. Upload the required documents
  5. And wait for the approval

Free Look Period

You will have a free look period of 15 days from the date of receipt of the policy, before the start of the trip, to review the terms and conditions of this policy. If you disagree with any of the terms and are conscious, you can return the policy stating your reason. On such cancellation, you will get a refund of the paid premium after a deduction of the expenses incurred on medical examination and stamp duty charges, provided the risk has not commenced. If the risk has commenced, the stamp duty charges, medical examination charges and proportionate risk premium for the period on the cover would be deducted from the refund amount. Where the risk has commenced only on a part of the cover, such proportionate risk premium commensurate with the risk covered during the free look period.

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