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Digit Corona Rakshak Health Insurance

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Digit Health Insurance
Corona Rakshak Policy
Claim Settlement Ratio93%
Network Hospitals11,300+
PED Coverage Starting From2 year
Pre-existing Disease Coverage From2 year
PresenceAcross the country
Special BenefitsMultiple Discounts such as Credit Score for Good health

About Digit Corona Rakshak Health Insurance

Go Digit Corona Rakshak Policy is a benefit-based medical insurance policy that provides cover to the insured towards additional expenses arising due to hospitalisation required on positive diagnosis of the pandemic declared COVID-19. The policy pays a lump sum amount equal to 100% of the sum insured if the insured requires hospitalisation for at least 72 hours and can be purchased by anyone aged between 18 years and 65 years. To avail policy benefits, the diagnosis must be done at a government authorized diagnostic center. The policy comes with a minimum sum insured of Rs. 50,000 and a maximum of up to Rs. 2.5 lakh in multiples of Rs. 50,000. There is no deductible or co-payment clause under Go Digit Corona Rakshak Policy.

Go Digit Corona Rakshak Policy is a short term policy that can be purchased for 3.5 months (105 days), 6.5 months (195), or 9.5 months (285 days). The policy shall terminate upon payment of the benefit and can not be renewed. To avail the policy benefits, you will be required to complete a waiting period of 15 days which will be calculated from the date of commencement of the policy. Also, note that the policy does not allow portability or migration.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump-sum benefit equal to 100% of the sum insured on a positive diagnosis of COVID-19 requiring hospitalisation of at least 72 hours
  • Coverage on individual sum insured basis
  • Sum insured options ranging between Rs. 50,000 and Rs. 2.5 lakh
  • Policy tenure of 3.5 months, 6.5 months, and 9.5 months
  • Coverage for people aged between 18 years and 65 years.

What's Not Included

  • Expenses related to admission for the purpose of evaluation or investigation
  • Any diagnosis which is not related to COVID-19
  • Testing done at a diagnostic centre that is not authorized by the government
  • Any COVID-19 related claim arising during the waiting period
  • No cover in case the insured travels to any country placed under travel restriction by the government of India.

5925 Digit Cashless Network Hospitals in India

Digit Corona Rakshak Policy Brochure

  • 204.72 KB
  • PDF Document
  • Aug 04, 2020

Claim Process at Digit Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • Can I purchase Go Digit Corona Rakshak Policy on a floater sum insured basis?

    No. Go Digit Corona Rakshak Policy can not be purchased on a floater basis. You can only purchase this policy on an individual sum insured basis.  

  • What are the sum insured options available under Go Digit Corona Rakshak Policy?

    Go Digit Corona Rakshak Policy is available with sum insured options of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 2.5 lakh. 

  • Do I need to undergo a medical test to be covered under Go Digit Corona Rakshak Policy? If yes, then who will bear the cost?

    On the basis of the proposal form submitted by you, the insurance company will advise if you require any medical tests. You will be required to bear up to 50% of expenses related to pre-policy medical check-up.

  • Can I avail tax benefits on the premium paid for Go Digit Corona Rakshak Policy?

    Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for Go Digit Corona Rakshak Policy. 

  • What is the prescribed time limit to submit documents to the company in case of claim?

    You are required to submit the required documents to the company within 30 days from the date of discharge from the hospital following positive diagnosis of COVID-19. 

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