Digit Health Care Plus Policy: Features, Benefits & Coverage
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Digit Health Insurance Digit Health Insurance ★ 4.4

Digit Health Care Plus Policy

There are 16 Base Sections and 6 optional covers under this policy whi ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
10+
Pan India presence
99%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,697 reviews
🏥 9,000+ hospitals
📊 3.85 solvency ratio
✅ 99% claim settlement

There are 16 Base Sections and 6 optional covers under this policy which comes with multiple SI options.

Why Do We Recommend This?
  • Choose from 6 optional covers
  • Versatile health coverage
  • High sum insured

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Limit
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
Lifetime
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover

Cons

  • No global cover
  • Illegal activites not covered
  • No obesity covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Go Digit Health Insurance

Go Digit Health Insurance

It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer. It also mentions the Network Hospitals & other Key Benefits.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 18
  • Max. Entry Age: No Limit
  • SI: - Unlimited
  • Initial Waiting Period: - 30 Days

Frequently Asked Questions

The 7 most-asked questions about Digit Health Care Plus Policy, answered.

The Health Care Plus Plan offers coverage against multiple critical illnesses like Cancer Coma of Specified Severity Major Organ Transplant Nervous System Ailments Paralysis of Lims and more
Yes, individuals are eligible to avail tax benefits under the Income Tax Act of India, 1961.
Yes, Digit Health Care Plus policy offers insured individuals maternity benefits.
Yes, OPD expenses are covered under the Digit Health Care Plus policy.
with long hospitalization cash benefit insured individuals are given a lump sum in case they are hospitalized for a minimum number of consecutive days as opted by you.
For most Digit Health Insurance plans, individuals can be covered from 18 years up to a maximum entry age of 65 years, though some plans may have no upper limit for adults. Dependent children can be included from 91 days old, with no upper age limit for their coverage under most family plans.
Digit Health Insurance covers a wide range of medical expenses including hospitalization (room rent, ICU, doctor fees, surgery), day care procedures, pre- and post-hospitalization costs, road ambulance, and sometimes AYUSH and outpatient (OPD) treatments, depending on the specific plan chosen. Plans can also include benefits like maternity cover, newborn care, critical illness cover, and dental treatment, with many offering optional covers for more comprehensive protection.

Conclusion

Digit Health Care Plus is a flexible and customizable health insurance plan offering multiple covera

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 9 Oct 2024

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