Go Digit Health Insurance

  • No-age Based Copayment
  • Get Wider Coverage of upto 1Cr
  • Paperless Buying Process


Digit Insurance is an insurtech start-up in Bangalore, India's developing tech city recognised for its start-up culture. Mr Goyal launched the firm in 2016, gaining regulatory certification from the Insurance Regulatory and Development Authority (IRDA) of the Indian government in September 2017. Fairfax Holdings, a Go Digit Infoworks partner, invested $45 million (£35 million) in Digit Insurance in July of last year, increasing its total investment to $94 million (£72 million). It takes a customer-centric strategy and focuses on making insurance services more accessible than ever before.

The following are the honours and honours that Digit Health Insurance has received in recent years:

  • In 2021, Digit was awarded “Digital Insurer of the Year” at the Asia Insurance Industry Awards.
  • In 2020, “General Insurance Company of the Year” at the 24th Asia Industry Awards.
  • In 2020, India, by Insurance Asia Awards, awarded DIgit Insurance “Insurance Start-up of the Year.”
  • In 2020, Digit was awarded “General Insurance Company of the Year” at the 23rd Asia Insurance Industry awards.

Digit Health Insurance at a Glance:

The major characteristics of Digit health insurance are listed below.

Particular Specifications
Network Hospitals 10500+
Incurred Claim Ratio (2020-21) 63.80
Claim Settlement Ratio (less than three months) (2020-21) 94.24
Solvency Ratio (2020-21) 2.01
Equity Share Capital(2020-21) 824.69 Crore

*Data has been sourced from the annual report of IRDAI 2020-21

Key Features of Digit Health Insurance

Digit health insurance monitors individual appropriateness and matching criteria for insurance seekers and proposes insurance plans based on health history and income.


Solvency Ratio

A solvency ratio is a crucial indicator used by potential business lenders to assess a company’s capacity to satisfy its long-term debt commitments. A solvency ratio determines if a company's cash flow is adequate to cover its long-term commitments and so serves as a measure of its financial health. Digit has a solvency ratio of 2.01, which indicates a good sign, as it exceeds the mandatory solvency ratio of 1.5 according to IRDAI.


Claim Settlement Ratio

It is the ratio of claims paid to claims submitted; the greater the ratio, the better for the insurance. It is the total number of death claims settled by the insurance company. Digit Insurance has a CSR of 94.24% as per the IRDAI annual report 2021.


Network Hospitals

Any insurance company has arrangements with a select specific hospitals, known as Network hospitals. Only network hospitals might reap the benefits of cashless transactions. With Digit, you will get access to more than 10500 network hospitals, making it easier for you and your family.

Health Insurance Plans Offered By Digit Health Insurance

DIgit health insurance provides a variety of health insurance plans designed to meet the medical needs of every person and family. Check out the below section that classifies it into different categories:

Individual and Family Health Insurance Plan

Critical Illness Health Insurance Plan

Why Select Digit Health Insurance

Choosing the right health insurance company for you and your family might be tough due to the abundance of health insurance companies on the market. To make things easier for you, we have compiled a summary of the benefits of selecting Digit Health Insurance as your preferred health insurance provider:


Simple Online Process

The entire procedure of purchasing health insurance coverage to filing claims is paperless, simple, quick, and straightforward! Digit offers a simple online health insurance process.


Cover Pandemics

When it comes to COVID-19, India is one of the worst affected countries. Digit cover it as part of our health insurance, so you don't need to get a separate coronavirus coverage.


No Age-Based Copayment

Digit health insurance has no age restrictions. This implies you don't have to spend anything out of cash when filing a health insurance claim.


Cumulative Bonus

A cumulative bonus is a financial benefit you receive for one policy year of no claims. The idea of a no-claim bonus in car insurance is similar to this. However, the benefits you receive vary depending on the health insurance.


Treatment at any Hospital

Choose from over 10500 hospitals in the Digit network in India for cashless treatment or reimbursement.


No Room Rent Restriction

Everyone has different tastes. As a result, Digit Health Insurance have no room rent limits. You can select your preferred hospital room.

Digit Health Insurance Exclusions

Below are the things not covered under Digit Health Insurance plans.


Pre/Post Natal Expenses

Prenatal and postnatal medical bills are not covered unless hospitalisation is required.


Pre-Existing Diseases

In the case of a pre-existing ailment, the claim cannot be lodged until the waiting time has expired.


Hospitalization without Doctor’s Recommendation

Any ailment for which you are hospitalised that does not correspond to the doctor's prescription is not covered.

Digit Health Insurance Buying Process

You can buy a Digit health insurance policy from the official website of Digit health insurance and "RenewBuy.com". The following are the purchasing procedures for Digit health insurance plans:

Buy from "RenewBuy.com"

  • Visit the official site of "RenewBuy".
  • Tap on the "Health Insurance Plan" tab.
  • Select the desired health insurance plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Proceed with the payment.

Buy from the official website of Digit health insurance

  • Go to the company’s official website
  • Click on the "Go Digit Health Insurance" tab.
  • Fill the form that shows on the next page.
  • Select your desired health plan.
  • Click on the "Buy Now" button
  • A pop-up window will provide the plan specifics and other rider information.
  • Click on the "Proceed to Buy" button.
  • After you make an online payment, the insurance provider will email you the policy documentation.

Why Buy Digit Health Policies From RenewBuy?

RenewBuy offers the top Digit Health Insurance plans available on the market. The following are the main reasons why you should consider us:

Digit Health Insurance Renewal Process

Digit Health Insurance makes it simple and quick to renew health insurance coverage. Policyholders can also contact our POSP advisors for Digit health insurance renewal, or they can follow the four procedures outlined below to renew Digit health insurance coverage.

  • Visit the website of "Digit Health Insurance".
  • Click on the “Renewal” tab.
  • Enter your existing health insurance details such as policy number, date of birth, etc.
  • Click on the ‘Renew' tab.
  • Pay your health insurance premium online and renew your Digit health insurance plans.

Digit Health Insurance Claim Process

Digit offers two ways to file a claim, and it is important to understand both the ways so that you get the clarity. See the section below for further information on both claim processes:

Reimbursement Claims: Digit health insurance claim process is a simple, and hassle-free procedure. If you are hospitalised, you can call at 1800-258-4242 or email at healthclaims@godigit.com within two days of admission, and the company will offer you a link where you may upload your hospital bills and other applicable papers to complete the reimbursement.

Cashless Claims: Select the network hospital. The entire list of network hospitals is given on the official website. Show your e-health card to the hospital helpdesk and obtain a cashless request form. If everything goes well, your claim will be handled right away.

    Factors Affecting Health Insurance Premiums

    Do you know why health insurance premiums vary? Your health insurance premium is determined by a combination of the following factors:



    While health conditions for both young and elderly individuals are improving, younger people are still healthier due to better immune systems. Furthermore, the younger you are, the more time you have to finish your waiting period for various illnesses and insurance policies. As a result, the younger you are, the lower your premium!



    Due to unhealthy lifestyle habits, people are prone to get dangerous diseases. As a result, such as whether or not you smoke, will have an impact on your health insurance premium.



    Because every city has distinct risks and medical expenses, your premium will be impacted by where you reside.



    Individuals can tailor their health insurance plan to their own needs and medical problems. As a result, when you add extra coverage, such as a Maternity Benefit or an AYUSH benefit, your premium rises.


    Type of Health Plan

    The kind of health plan you select will affect the cost of your health insurance. For instance, a family floater plan often costs less than an individual coverage since it is more likely that one person would get sick.


    Medical History

    You run a greater chance of developing a condition like heart disease, cancer, Alzheimer's, etc. if your immediate family members (such as your parents or grandparents) have a history of it. Your premium rate will rise as a result.

    Documents Required for the Claim

    There are certain documents that are needed to ensure that your claim process is smooth. So, let’s take a look at the documents:

    • Original duly filled and signed claim form
    • Original Photo-ID proof
    • Referral letter and prescription of the Doctor
    • Original bills and receipts from the hospital or medical practitioner
    • Original bills from pharmacy or chemists
    • Original Reports
    • First Information Report (FIR) and final police report (if required)
    • Post mortem report
    • Any other document as required by the Digit health insurance company to assess the claim

      Digit Health Insurance Contact Details

      If you have any questions concerning Digit Health Insurance policies, please contact the care health insurance using the details provided below:

      Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095

      Email ID: hello@godigit.com

      Contact Number: 1800-258-5956


      The details, facts, or figures given here are intended solely for the reader's informational purposes and should not be relied upon for personal, medical, legal, or financial decisions. Please visit the insurer's website for the latest updates. We do not endorse any particular insurance company or insurance product provided by any insurer.