Get cover for Coronavirus

Popular

Coverage of

Rs 3 Lakhs

per member

Rs 1,954 /year

Coverage of

Rs 1.5 Lakhs

per member

Rs 981 /year

Coverage of

Rs 50,000

per member

Rs 553 /year

What is covered?

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

(UIN GODHLGP20142V011920)

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).

1

You will be covered for hospitalization expenses if you are diagnosed with and hospitalized solely for COVID-19.

2

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.

3

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

Hospital Expenses

This insurance cushions you against the hospitalization related expenses in this stressful time.

Simple Claims

No hard copies required.

Choice of Coverage

Choose your Sum Insured according to your requirement.

Frequently asked questions

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 indemnity product, covering your hospitalization expenses incurred due to Coronavirus disease (COVID-19).

Anyone between the age group of 18 to 60 years is eligible to buy our coronavirus (COVID-19) cover, but you can cover anyone in your family up to the age of 60 years.

This is an Individual Sum Insured policy. So, if you select a Sum insured of Rs 1 lakh for your family, each member in the family will be covered up to Rs 1 lakh.

  • Discharge summary
  • Consultation papers
  • COVID-19 Positive test report from ICMR authorized labs
  • All other test reports
  • Cancelled Cheque/ NEFT details
  • Valid ID proof (PAN, Voter ID, DL, Passport)
  • All original bills (Final bill, break up, Pharmacy and test bills, etc)
  • Consultation papers
  • COVID-19 Positive test report from ICMR authorized labs
  • Hospital Details
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