Arogya Sanjeevani policy
- Arogya Sanjeevani Policy is designed to bring about a standardized product which provides basic coverage to the customers intending to ease the problem of vast number of choice and portability.
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Godigit insuranceGo Digit offers their health insurance customers the option of availing quality treatment at more than 5,900+ leading hospitals across the country. With an claims settlement ratio of 87.57%, they also covered less than 1 lac lives during the same year 2018-19, as per the data provided by IRDAI.
Go Digit General Insurance is today one of the fastest growing insurance players in India with a lot of focus on both retail and group insurance products. Today the Go Digit health insurance premium is one of the most competitive in the market across all their plans apart from being competitive in their benefit structure. They are also one of the players who have built a strong hospital network across India with a current strength of 5,900+. Most of the customer’s Go Digit’s health insurance reviews have been positively influencing the growth of their business year on year. One can also follow the Go Digit health insurance renewal link on eindiainsurance for renewal of their existing policies and if one needs to file a claim, all they need to do is to fill in the Go Digit health insurance claim form available on the same website.| Step I | Call the Health Helpline 1800 258 4242 and Intimate your Claim within 24 hrs in case of emergency admission and 48 hrs prior to hospitalization in case of planned admission. |
| Step II | Insured approaches network hospital for cashless treatment; displays the e-health card |
| Step III | Adjudication of the cashless request as per policy T&C. If required, Query raised for any further documents/clarification. Hospital furnishes all the required documents. |
| Step IV | Approval for the treatment is given by Digit through TPA. Amount settled with the Hospital/ Provider directly |
| Step I | Insured calls Digit to register the reimbursement claim or 1800-258-4242 or sends an email on healthclaims@godigit.com, Digit registers the claim and triggers a link for document upload |
| Step II | Insured uploads all the relevant documents post which the claims team assesses the documents and approves/ denies the claim |
| Step III | Claims team checks if any additional documents are required. If not, claim amount is transferred to customers bank account within 3 working days as per terms and conditions of the policy |
This depends on the type and seriousness of the illness. At Digit, we don’t cover for pre-existing illnesses like if you’ve already been diagnosed for Cancer, HIV, Parkinson's disease, Thalassemia, Neuropathy, Liver and Kidney diseases, Down Syndrome, and Alzheimer's disease amongst many others.
Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.
We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-258-4242 and we’ll sort things out for you.
Yes, Digit’s health insurance policy is valid pan India. However, check for which zone your city falls into as in case of treatment in a higher zone, there will be a small % of copayment involved. If you think you’ll need treatment in a higher city zone, you can choose to opt for.
Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example: If you claim for a pre-existing disease-related treatment before completing the waiting period, your claim may be rejected.
Yes, you can if it is a daycare procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.
The right age to buy a health insurance would be while you’re still young. This is because, premiums are a lot cheaper and you complete waiting periods sooner too! Additionally, with healthcare expenses off the roof, if you ever need treatment for an illness – a health insurance will ensure it doesn’t eat up your early savings which you can instead use for your travels.
Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.
No, all benefits shall be payable when incurred in India only, in Indian rupees.
Yes, you may cancel your policy by telephoning us, by email or in writing (see contact us for details). You may cancel your policy during the 15 day free look period. This period commences on the day you receive your policy documentation. We will refund any premium paid at the date of cancellation deducting any charges we incurred towards your medical examination and the stamp duty charges and Proportionate risk premium if cover has already covered, provided you have not used any of the services available on your cover and no claims have been made. After the free look period, refunds will only be given if no incident has occurred which has led to an eligible claim, If you decide to cancel your policy before your renewal date and outside of the free look period, you must give us 7 days notice and you will be eligible for refunds on a pro rata basis.
Health insurance covers you and your family against expenses incurred in a medical emergency. With medical bills on the rise, insurance helps in reducing the financial burden during hospitalization. Also, the cases of critical illnesses and lifestyle-related ailments have increased rapidly. Health insurance allows you to be better prepared for such events.
Go Digit has an extensive network of 5,900+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Go Digit network hospital list available on https://www.eindiainsurance.com/godigit/health/ .
The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now.