Claims Process
To register a claim, please follow one of the following:
Email us at : healthclaims@godigit.com
Visit us Online at :
https://www.godigit.com/
Write to Us at : Claims Department, Go Digit General Insurance Co Ltd
Atlantis, 95, 4th B Cross Road,
Koramangala Industrial Layout, 5th Block,
Bengaluru, Karnataka 560095
Other Claims:
- For International Travel Insurance Claims :
- Call : +91-7303470000 (This is a missed call only number for customers dialing from outside India)
- Email : travelclaims@godigit.com
- For COVID-19 Claims
- Email : covidclaims@godigit.com
- For Other Queries & Claims
- Call : Toll Free 1800-103-4448
- Email : hello@godigit.com
Cashless Hospitalization Process - Claims Journey
Follow below steps to avail Cashless facility through our In house Health Claims Management:
| 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 |
Reimbursement Claim Process - Claims Journey
Reimbursement claim is when the expenses incurred during Hospitalization or bills of Hospitalization are directly settled by the Insured with the Hospital and post discharge from Hospital claimed by the Insured from the Insurer for reimbursement. Follow below steps to lodge your Health Insurance Claim through our In house Health Claims Management:
| 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 |
For reimbursement claim, documents to be submitted within 15 days from the date of discharge from hospital
Claims FAQ's
What is a Health Card?
It is an Identity card which is issued to each and every person covered under the Health policy. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals.
What are the benefits of a health card?
A health card mentions the contact details the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. You need to show the health card at the hospital.
How to make a claim if you are detected with Coronavirus COVID-19?
If you are tested positive for Coronavirus disease (COVID-19) from any authorized centers of ICMR – National Institute of Virology, Pune and hospitalized for the treatment, intimate Digit immediately by calling at 1800-258-4242 or write to healthclaims@godigit.com. If you are a senior citizen, email us at seniors@godigit.com
What are some of the details required at the time of intimating a claim to Go Digit?
Insured’s name
Policy number
Patient’s name
Relationship with the Proposer
Hospital name/ address
Admission & discharge dates
Diagnosis and treatment details
Estimated/ Actual expense
Employee ID number (If applicable)
What is a TPA?
Third Party Administrator is a service provider appointed by your insurance company to provide various necessary services related to benefits mentioned in the health policy to you.
Which family members can get covered in one policy?
In case of a planned hospitalization or emergency services, use your Health ID Card at any of network hospitals and avail cashless service. In case the hospital is not listed in the network of hospital, then pay the cash and submit the claim to TPA for reimbursement with relevant documents and bills.
What is a Network Hospitals?
These are the hospitals that form part of the TPA's network to provide cashless service to you upon presentation of health-card.
What is a Non-network Hospitals?
Hospitals which are not part of TPA's hospital tie-up list are called Non-network hospital. The bills are settled by patient & the relevant documents and bills are then submitted to the TPA. The amount, accordingly, is reimbursed to the patient.
How long does it take to get an approval from TPA?
TPA will issue the letter of admissibility of the claim within 3-6 hours provided all the relevant documents are submitted.
Within how many days should I submit the claim?
The claim must be filed within 15 days from the date of discharge from the Hospital or completion of treatment.
What is the maximum number of claims allowed over a year?
Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.
