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Digit · GODHLIP27048V052627

Digit Health Care Plus Policy

Digit Health Care Plus Policy (IRDAI UIN GODHLIP27048V052627) is an individual and family floater health insurance plan.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Digit Health Care Plus Policy is a health insurance plan from Digit. Key specifications: plan type Individual and family floater, room rent Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit

Pros

  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Entry age From 91 days (no maximum stated)
Room rent Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit
Co-payment Optional co-payment 0% to 50%

Benefits

Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B
No-claim bonus Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule
Maternity Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000
OPD Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000

Insurer

Health incurred claim ratio (insurer) 83.78%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 9000+
IRDAI UIN GODHLIP27048V052627

About the Health Care Plus Policy

Digit Health Care Plus Policy (IRDAI UIN GODHLIP27048V052627) is an individual and family floater health insurance plan. It is one of 53 health insurance plans on Comparezi, from Digit.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Entry age: From 91 days (no maximum stated)
  • Room rent: Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit
  • Co-payment: Optional co-payment 0% to 50%

Benefits

  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B
  • No-claim bonus: Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule
  • Maternity: Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000
  • OPD: Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000

Premium

It depends on your age, cover, city and options. Digit does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Digit's health incurred claim ratio was 83.78% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Digit states a network of 9000+ hospitals.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Care Plus Policy

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Aditya Birla Health

Activ One NXT

  • Individual and family floater Plan type
  • No capping - actuals up to base sum insured Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Niva Bupa

Aspire

  • Individual and family floater Plan type
  • No limit (any room); optional room type modification Room rent
Premium depends on your profile

SBI General

Health Alpha

  • Individual and family floater Plan type
  • Up to actuals or Single Private AC Room or Twin Sharing Room, as opted Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹7,219 a year*

Head to head

Compare the Health Care Plus Policy

Questions

Health Care Plus Policy FAQs

It depends on your age, cover, city and options. Digit does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

GODHLIP27048V052627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

Room rent as stated by the insurer: Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit.

Co-payment as stated by the insurer: Optional co-payment 0% to 50%.

Maternity as stated by the insurer: Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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