Digit Group Illness Insurance

Yes, in addition to the insured amount, you are eligible to 25% of your Sum Insured as a fixed benefit, (up to a maximum of Rs 30,000) irrespective of your actual expenses. This Fixed Benefit shall be part of the total Sum Insured chosen for hospitalization. Please note that Fixed benefit is payable only if the Customer tests positive for COVIS-19 and gets Hospitalized.

For example

- At the time of your claim, if your Sum Insured is Rs 2 lakh, you would be receiving Rs 30,000 as a benefit without submitting any bills, irrespective of the actual claim amount. You would still be eligible to reimburse the remaining 1.7 lakhs in lieu of hospitalization expenses.

You can make a claim if you are diagnosed and tested positive for COVID-19 and hospitalized solely due to COVID-19.

This is an Individual Sum Insured policy. Thus if you select a Sum Insured of Rs 3 lakh for your family, each member in your family will be covered up to Rs 3 lakh.

Yes, the policy is for inpatient treatment in any hospital (Government, Private – government authorized, Military).

Yes. Applicable even if tested negative for Covid-19 later (Minimum 24 hours of Hospitalization is mandatory). However, Benefit amount will not be payable if tested Negative.

Yes. The Digit Group Illness Insurance has an initial waiting period of 15 days and shall be applicable for anyone who avails of this policy.

Exclusions under the Digit Group Illness Insurance plan include:

• Hospitalisation expenses in case of texting negative for Coronavirus disease (COVID-19.
• Charges towards treatment or quarantine for Coronavirus disease (COVID-19) before the policy issuance will not be covered
• Charges towards any other medical treatment for insured members such as fever, diabetes, hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication at the time of buying this policy
• Should not have travelled to the countries listed in the "Travel Advisory for COVID-19 on Home Isolation" issued by Ministry of Health & FW, Government of India as applicable on date of policy purchase, since 60 days prior to the policy inception date and any time after the policy inception date. You can find the list of countries here: https://www.mohfw.gov.in
• Home hospitalisation (Domiciliary hospitalisation) expenses will not be covered
• Hospitalisation expenses for patients only under investigation with inconclusive medical report will not be covered
• Treatment taken outside India will not be covered
• Test report for Coronavirus disease (COVID-19) conducted from centres other than Govt/ICMR Authorized test Centre in India will not be considered

The term coronavirus is a collective unit of viruses that are zoonotic in nature, i.e., can be transmitted from animals to humans and spread thereafter. The effects of coronavirus can range from being as innocuous as the common cold to severe diseases such as Middle East Respiratory Syndrome (MERS-CoV) and Severe Acute Respiratory Syndrome (SARS-CoV). The current virus that has seen afflictions on a global scale is the COVID-19 strain of the coronavirus family, this virus has not been previously identified in humans and was first discovered in 2019.

 

Initial symptoms of the coronavirus infection include respiratory symptoms & fever, cough, shortness of breath and breathing difficulties. However in more severe cases, the infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death. Thus, even if you have any minor symptom such as cough/fever it is important that you have yourself checked for the coronavirus infection.

Given the nature and rampant proliferation of the Covid-19 virus, across the world, it is highly important for you to have insurance plans that will cover treatment specifically. This in the unfortunate event of your or your loves one’s testing positive/requiring quarantined in a hospital will help via covering for hospitalization as well as out of pocket expenses etc.