With rising healthcare costs and unpredictable medical emergencies, having a reliable health insurance policy is no longer a luxury—it's a necessity. Among the various insurance providers in India, Go Digit Health Insurance has quickly built a reputation for its customer-centric policies and digital-first approach.

In this in-depth review, we’ll explore Go Digit’s key features, benefits, and plan options, helping you make an informed decision. Whether you’re a first-time buyer or looking to switch, this guide covers everything you need to know.

About Go Digit Health Insurance

Go Digit General Insurance is a tech-driven insurance company founded in 2016, backed by Fairfax Financial. Known for its paperless process, fast claim settlement, and transparent policies, Go Digit has gained traction, especially among digitally savvy users.

It offers a wide range of health insurance products tailored to individuals, families, senior citizens, and corporate groups—making it a flexible option for all needs.

Key Features of Go Digit Health Insurance

Fully Digital Onboarding & Claims

Purchase and renew policies online.

File claims digitally with minimal documentation.

No Room Rent Restriction

Most plans do not cap room rent, giving you more flexibility during hospitalization.

Wide Network of Cashless Hospitals

Access to 6400+ hospitals across India for cashless treatment.

Cumulative Bonus

Get rewarded for staying healthy! Enjoy a 50% increase in sum insured for every claim-free year, up to 100%.

Customizable Plans

Choose from a range of add-ons like critical illness cover, maternity benefits, consumables cover, and more.

Pre-existing Disease Cover

Coverage for pre-existing diseases after a waiting period (as low as 2 years for some plans).

Benefits of Choosing Go Digit Health Insurance

1. Hassle-Free Claim Process

Digit’s digital-first claim process is one of the fastest and most efficient in the industry. Claims can be initiated via phone, email, or mobile app, and their support team assists throughout.

2. Affordable Premiums

Compared to traditional insurers, Go Digit often offers competitive premiums with broader coverage. This makes it ideal for both individuals and families.

3. Comprehensive Daycare Coverage

Covers over 600 daycare procedures, so you’re protected even for treatments that don’t require overnight hospitalization.

4. AYUSH Treatment Coverage

Many plans cover alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

5. In-House Claim Settlement

Go Digit handles claim settlements in-house, leading to quicker processing times and better customer satisfaction.

Popular Go Digit Health Insurance Plans

Here are some of their flagship plans you should consider:

1. Digit Health Care Plus Policy

Individual & family floater options

Sum insured: ₹2 lakh to ₹1 crore

No room rent cap

Optional add-ons like critical illness and maternity cover

2. Digit Arogya Sanjeevani Policy

Standardized, IRDAI-compliant health insurance

Affordable premiums

Ideal for first-time policyholders

3. Digit Super Top-Up Plan

Helps enhance your existing coverage

Ideal for people with corporate or base health insurance plans

Inclusions in Go Digit Health Insurance

Hospitalization expenses (pre & post)

Daycare procedures

ICU charges

Ambulance costs

AYUSH treatments

Organ donor expenses

Domiciliary hospitalization

What’s Not Covered? (Exclusions)

While Go Digit offers wide-ranging benefits, here are some common exclusions:

Injuries due to self-harm or substance abuse

Cosmetic treatments

Experimental or unproven treatments

Pre-existing conditions (until completion of waiting period)

Always read the policy brochure and terms and conditions before buying.

 How to Buy Go Digit Health Insurance Online

You can easily compare and purchase Go Digit Health Insurance online via Quickinsure. Just follow these simple steps:

Visit the Go Digit Health Insurance page on Quickinsure.

Enter your basic details for a quick quote.

Compare plans and features

Buy the policy in a few clicks – fully paperless!

Final Verdict: Is Go Digit Health Insurance Worth It?

Absolutely! If you're looking for modern, flexible, and affordable health coverage, Go Digit ticks all the boxes. It’s particularly attractive for:

Digital-first customers

Young professionals and families

People looking for quick claims and customizable coverage

Its no-nonsense claim process, competitive pricing, and modern features make it a strong contender in the Indian health insurance space.