Digit Group Health Insurance
Digit Group provides health insurance to protect employees working in your organization. Group Insurance is regarded as a helpful benefit, especially in current times.
Digit aims at providing more straightforward and transparent insurance solutions rather than complicated policy wordings.
In a small amount of time, Digit has done reasonably well and is regarded as a trusted Insurance Partner.
Tell us about your company
Thank you!
You’ll get the ebook in your email.
Key statistics of Digit group health insurance*
GHI Premiums
GHI lives insured
Health lives insured
Health claims Processed
Health claims settlement ratio***
Health claims Settled within 3 months
Awards and recognitions
Fintech 250 List
General Insurance Company of the year
Insurance Startup of the year
Great Place to Work Certified Organization
Hottest startups in India
Insurtech of the year
SKOCH Order of Merit
Highlights of Group Care Insurance
Digital friendly, no paperwork for claims
No room rent capping
A separate plan for Covid-19
20% rise in sum insured, for claim free first year.
Benefits of Digit group health insurance
Here is a comprehensive summary of the Digit Group Health Insurance Plan. The features mentioned below can be customised as per your organisation’s requirements.
Standard Benefits
Benefit
Description
Digital process
Digit Insurance is a digital-friendly company that enables policy buying to claim to process in digital formats.
Cashless claims
Digit Insurance provides cashless claims at 6500+ hospital partners, where you go with your health card and get the treatment done.
Affordable premiums
Group Health Insurance with Digit comes at a reasonably affordable premium owing to the most operation being done digitally.
Post hospitalization benefit
With Digit health Insurance, the insured get a post-hospitalization lump sum benefit to manage different medical, like medicine, diagnostic test, reports, etc., without providing separate bills.
Dedicated contact
With Digit Insurance, the point of contact remains fixed at digit only, and there is no need to chat or call third-party customer care. To ensure maximum customer service, all the customer care functions are duly performed within the organization.
Caters to all organisations
With Digit Health Insurance, your group can access a massive network of hospitals all over India. To access the cashless health benefits, just go to any of the 6500+ network hospitals.
Additional Benefits
Benefit
Description
Accidents
If the insured needs hospitalization because of an accident, digit policy provides cover for the same, inclusive of room rental, ambulance charges, etc.
COVID-19
If the group member tested positive for COVID, he can get the hospitalization benefits from this corporate insurance plan.
Other Illness
Many other illnesses require hospitalization, Digit group plan provides cover to the members during any such hospitalization.
Cash Cover
When hospitalized, many expenses start culminating; daily cash cover is provided under the policy to protect those financial expenses.
Critical Illness
Digit group Plan provides cover for critical illness to the employee and their dependents.
Maternity
When opted for, Digit group health plan provides maternity benefits to the insured or their spouse. Additionally, the policy also covers infertility treatment.
Other Benefits
Ayush Treatment, Organ Donations, Infertility, and more.
Please note that Plum has collated and presented this data for informational purposes only and at a particular point in time. Plum does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The final terms, conditions, and premiums may vary depending upon factors including group size, age, location, and applicable taxes.
The rationale behind group insurance is as follows
Aids retention
Employee wishes to work at a place where he/she is valued and has a sense of belongingness. Employer-provided group health insurance plan that covers employees and their families will enable financial protection and a sense that their employer cares about them.
Tax advantages
In addition to being beneficial to employees, a company that chooses a group mediclaim policy also receives tax advantages. Group health insurance premiums are tax-deductible as business expenses, which helps to reduce overall taxable income.
A motivating factor for employees
With rising medical expenditures, providing health insurance for an employee and his family can motivate employees. The value of health insurance has been highlighted in recent years, and when an employer offers one, it helps foster a sense of belonging to the firm.
Improve your mental health
An employee considers his or her wage and the work atmosphere and other perks that come with the employment. When it comes to health insurance, an employer's health cover helps an employee get relief both from the expense of health insurance now and from the fear of medical expenses.
Make Digit group health insurance better with Plum
Buying medical insurance for your employees can benefit you and your organization in many ways. Here are the benefits that you can get by purchasing group insurance.
Dashboard
A single dashboard is available to the employers, from where they can access all the information about insurance cover, claims process, etc.
WhatsApp based claims
The Plum claims procedure can be initiated using Plum’s WhatsApp chat, which provides employees with a great deal of ease and comfort.
Flexible dashboard access
Using the Plum dashboard from any device of choice enables the mobility and flexibility of the process for the employer.
Plum wellness
Plum arranges various wellness activities that act as an additional benefit to employees from time to time.
Teams of any size
No matter the type and size of the organization, reach out to Plum and get a desirable solution.
Best prices
Plum provides the best quotes from the top general insurance companies in India.
Documents required for Claims process
The documentation depends on the type of claims process you have chosen - Cashless or Reimbursement.
Claim form
Doctor's certificate
Summary of the discharge
Medical bills
Prescriptions
Reports from diagnostic tests, X-rays, scans, and ECGs, as well as other films
Whether opting for a Planned procedure or an Emergency one Cashless facilities are available with hassle-free documentation. The documents required are:
E-health card membership number
Frequently Asked Questions
Can I add or remove members after the initial setup?
Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.
This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.
How are premiums calculated for additions?
Yes, you can add new employees, add new dependents (at the time of marriage or childbirth), and remove employees who exit the company. Additions and deletions can be done using the Plum dashboard.
Do I get refunded for deletions?
Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in. Read all about how a deductible works here.
How do I pay for additions and deletions?
No, the policy doesn’t cover same-sex or unmarried couples.
Can an employee convert the group plan to an individual plan if they leave the company?
No, the policy doesn’t cover same-sex or unmarried couples.