Hospitalization cover for Coronavirus disease (COVID-19)
Pre/post-hospitalization expenses: up to 30/60 days
No limit or restriction on Room rent or ICU
Anyone between the age group of 18 to 60 years is eligible to buy our coronavirus (COVID-19) cover, Child below 18 yrs can be covered if either parent also takes the policy.
Road Ambulance: 1% of the Sum Insured, max up to INR 5,000
Second Medical Opinion covered
You can read more about the policy in the detailed policy wordings available here.
Digit Illness Group Insurance
Getting diagnosed with this dreadful virus is heart-breaking. Digit understands this and offers a cushion which will reimburse you for the expenses incurred due to hospitalization for Coronavirus disease (COVID-19).
You will be covered for hospitalization expenses if you are diagnosed with and hospitalized solely for COVID-19.
Hospitalization expenses incurred due to being quarantined in a government, military or government approved hospital are also covered, if you are suffering from COVID-19 as an inpatient and hospitalization was solely due to COVID-19 during the Policy Period.
Hospitalization shall be applicable for all hospitals. However, claim will be admissible only after the insured member is tested positive for Coronavirus disease (COVID-19) conducted from any of the ICMR Authorized test Centres in India.
What is not covered?
Patients only under investigation (PUI) with inconclusive reports will not be qualified
We will not cover the insured person, if they 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.
Hospitalization shall be applicable for all hospitals. However claim will be admissible only after the insured member is tested positive.
Initial waiting period of 15 days. PED (Pre-existing disease)/ Specific illness Waiting Period is 4 years & 2 years respectively
Symptomatic treatment in absence of Coronavirus Disease (COVID-19).
Testing done in a center other than the ones authorized in India by the ICMR.
Insured Member(s) is/are not suffering/suffered from diabetes, hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication or the insured members(s) is/are due for any medical treatment, at the time of buying this policy
Treatment taken outside India.
Any pre-existing condition whether declared or undeclared.
Hospitalisation expenses for any other treatment apart for Coronavirus disease (COVID-19) will not be covered
Insured members already treated for or quarantined for Coronavirus disease (COVID-19) before the policy issuance
Home hospitalisation (Domiciliary hospitalisation) expenses
What we offer you
This insurance cushions you against the hospitalization related expenses in this stressful time.
No hard copies required.
Choice of Coverage
Choose your Sum Insured according to your requirement.