Digit Health Care Plus

Key features

• ✓Two separate sum-insured 'wallets' in the same policy year (Double Wallet)
• ✓Sum Insured Backup — full restoration once per policy period for related and unrelated illnesses
• ✓No co-payment at any age or zone
• ✓No room rent capping — any room category covered
• ✓Pre-hospitalisation cover (30 days) and post-hospitalisation cover (60 days)
• ✓All daycare procedures covered up to sum insured
• ✓Domiciliary hospitalisation covered
• ✓AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) inpatient treatment
• ✓Psychiatric / mental illness inpatient cover
• ✓Bariatric surgery covered (subject to medical criteria)
• ✓Road ambulance cover
• ✓Health check-up benefit every 2 claim-free years (up to ₹1,000)
• ✓Personal accident cover — ₹50,000 lump sum on accidental death
• ✓Cumulative bonus: 10% of base SI per claim-free year (max 100%)

What’s included

• ✓In-patient hospitalisation (room, ICU, surgeon, anaesthesia, OT, drugs, diagnostics)
• ✓Pre-hospitalisation expenses (30 days)
• ✓Post-hospitalisation expenses (60 days)
• ✓Daycare procedures (under 24 hours) — dialysis, chemotherapy, cataract, etc.
• ✓Domiciliary hospitalisation
• ✓AYUSH inpatient treatment
• ✓Road ambulance charges
• ✓Psychiatric illness (inpatient)
• ✓Bariatric surgery
• ✓Cataract treatment up to sum insured
• ✓Joint replacement surgery up to sum insured
• ✓Organ donor expenses
• ✓Modern treatments / advanced procedures
• ✓Dental treatment necessitated by accident
• ✓Annual / biennial preventive health check-up
• ✓Personal accident — accidental death lump sum (₹50,000)

What’s excluded

• ✕Maternity and childbirth expenses
• ✕Cosmetic or aesthetic surgery (unless medically necessary)
• ✕Self-inflicted injury and attempted suicide
• ✕Treatment for alcohol or drug abuse
• ✕War, nuclear, biological or chemical contamination
• ✕Adventure / hazardous sports injuries
• ✕Treatment outside India (Double Wallet — Indian treatment only)
• ✕Dental treatment unless arising from accidental injury
• ✕Refractive error correction below specified diopter
• ✕Unproven / experimental treatments

Eligibility

Min age

0 years

Max age

99 years

Max entry age

65 years

Covers

Self, Spouse, Children, Parents

Policy term

1, 2, or 3 years

PED waiting period

3 years

Initial waiting

30 days (waived for accidental hospitalization)

Co-payment

No co-payment (no age-based or zone-based co-pay)

Room rent

No room rent capping; any room category covered

No-claim bonus

10% of base sum insured per claim-free year, up to 100% (Double Wallet); reduces proportionally with claims