GoDigit General Insurance Company - History, Policy, Quotes, Claims, Features, Benefits | Buy and Renew Policy Online

About GoDigit General Insurance Company Ltd

Go Digit General Insurance Company was established in 2016 and is headquartered in Bangalore. The Company is one of the newest players in India’s rapidly growing General Insurance Industry and offers a range of insurance policies such as Health Insurance, Motor Insurance, Fire Insurance, Cyber Insurance, Marine Insurance, Liability Insurance etc.Go Digit General Insurance Company Limited is a subsidiary of Go Digit Infoworks Services Private Limited. Go Digit Infoworks Services is promoted by Kamesh Goyal, Oben Ventures LLP and FAL Corporation. FAL Corporation is a wholly owned subsidiary of Fairfax Financial Holdings Limited. GoDigit General Insurance Company reported a Gross Written Premium of Rs9,016 crores in FY24 vs Rs7,243 Crores in FY23 while the Profit After Tax stood at Rs182 Crores in FY24 vs a Profit After Tax of Rs36 Crores in FY23. The Market Share of GoDigit stood at 3.1% in FY24. GoDigit sold 1.1 Crore Insurance Policies in FY24.

History of GoDigit General Insurance Company Ltd

GoDigit General Insurance Company Ltd is a relatively new player in India’s General Insurance Industry. GoDigit was incorporated in December 2016 and received regulatory approval to operate as a general insurer in July 2017.

GoDigit commenced operations in July 2018 with the launch of motor insurance products. As of March 2024, the company had served over 4.7 Crore customers in India. GoDigit has a strong distribution presence with tie-ups with individual agents, POSPs, corporate agents, motor insurance service providers and Insurance Brokers.

GoDigit General Insurance Company Ltd: An Overview

Insurance Policies Offered by GoDigit General Insurance Company Ltd

GoDigit General Insurance provides a comprehensive range of Insurance Policies for both, individuals and businesses.

GoDigit Business Insurance Plans

GoDigit General Insurance Company provides a range of Insurance Policies for businesses such as Marine Insurance Policy, Fire Insurance Policy, Product Liability Insurance Policy, Group Health Insurance Policy, Workmen’s Compensation Insurance, Professional Indemnity Insurance Policy, Cyber Insurance Policy etc.

Employee Benefit Insurance offered by GoDigit General Insurance Company Ltd

GoDigit Group Medical Insurance Policy

GoDigit Group Medical Insurance Policy offers comprehensive coverage for hospitalisation expenses of employees and their family members. The Insurance Policy also covers Daycare Procedures and Pre and Post-Hospitalisation Expenses.

Key Features of GoDigit Group Medical Insurance Policy

1. GoDigit Group Medical Insurance Policy covers Hospitalisation Expenses, Pre And Post-Hospitalization Costs, Daycare Procedures and also offers coverage for critical illnesses, maternity expenses, and new-born baby coverage
2. Coverage for hospitalization due to illnesses, accidents, COVID-19 etc. Plans can be customized with various benefits.
3. Cashless claim settlement through 16,400+ networked hospitals pan-India
4. Paperless and digital process for filing Group Health Insurance Claims
5. Affordable premiums compared to Individual Health Insurance Plans
6. Employers can claim Tax deductions for Premium paid towards Group Health Insurance Policy

GoDigit Group Personal Accident Insurance Policy

GoDigit Group Personal Accident Insurance Policy provides compensation to employees in case of Disability or Death resulting from an accident. The Policy provides coverage for Accidental Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), and Temporary Total Disability (TTD).

Key Features of GoDigit’s Group Personal Accident Insurance Policy

1. Coverage for Accidental Death and Disabilities: GoDigit GPA Insurance Policy provides lumpsum payment in case of Accidental Death, Permanent Total or Partial Disability.
2. Add-on Covers: Additional benefits can be added like coverage for dependent children, loss of income due to accident, fractures, burns, ambulance charges etc.
3. Online Purchase & Claims: Go Digit Group Personal Accident Insurance can be conveniently purchased through online insurance platforms. The claim process is also digital and fast.

GoDigit Workmen’s Compensation Insurance Policy

GoDigit Workmen’s Compensation Insurance Policy provides coverage to employers against their legal liability to pay compensation to employees in case of injury, disability or death caused due to accidents arising during the course of employment as per the Employees’ Compensation Act, 1923.

Key Features of GoDigit Workmen’s Compensation Insurance Policy

1. GoDigit Workmen’s Compensation Insurance Policy covers Bodily Injury, Disability or Death of employees caused during the course of employment. This includes worksite accidents, injuries during work-related travel etc.
2. The Policy also provides coverage for Occupational Illness and Diseases
3. Medical Expenses Extension under the GoDigit WC Policy provides coverage Hospitalisation expenses for treating injuries because of accidents suffered during the course of employment.
4. The Policy pays a Lumpsum benefit to the employee’s nominee in case of employee’s demise due to workplace accident or occupational hazard.
5. The Policy pays Compensation to the employee for permanent total or partial disablement suffered by the employee during the course of employment in the form of percentage of monthly wages.

Fire Insurance Policies offered by GoDigit General Insurance Company Ltd

GoDigit Standard Fire and Special Perils Insurance Policy

Go Digit Fire Insurance Policy provides coverage for loss or damage to insured assets caused by fire and allied perils. The Policy can cover buildings, plant and machinery, stocks, furniture, fixtures and fittings where the total value of assets at risk across all insurable asset classes at one location exceeds Rs50 Crores.

Key Features of GoDigit’s Standard Fire and Special Perils Insurance Policy

1. GoDigit SFSP Policy provides coverage against Perils such as fire, lightning, explosion, aircraft damage, riot, strike, malicious damage, storm, flood, impact damage, subsidence etc.
2. Add-on covers available like architect fees, debris removal, deterioration of stocks, earthquake, loss of rent etc.
3. Claim Settlement can be on Reinstatement Value or Market Value Basis.
4. Exclusions like war, willful negligence, mechanical breakdown, theft, weather damages etc.

GoDigit Bharat Sookshma Udyam Suraksha Policy

GoDigit Bharat Sookshma Udyam Suraksha Policy provides coverage for damage to buildings and structures, fittings and fixtures, plant and machinery, stocks, and other business assets policy.. The Policy can be purchased by companies where the Total Value at Risk across all Insurable Asset Classes at one location does not exceed Rs5 crores at the Policy commencement date

Key Features of GoDigit Bharat Sookshma Udyam Suraksha Policy

1. The Insurance Policy covers damage to Insured Assets by Perils such as fire, explosions, Impact Damage, Theft etc. up to Rs5 crore at a single location.
2. The Policy has built-in covers for expenses like debris removal, start-up costs, professional fees.
3. The Policy excludes damage to assets for causes like cessation of Work, Construction Defects, loss caused by change of temperature, mechanical breakdown etc.
4. The Insurance Policy is ideal for small factories, shops, restaurants, workshops etc.

GoDigit Bharat Laghu Udyam Suraksha Policy

GoDigit Bharat Laghu Udyam Suraksha Policy provides coverage loss or damage to assets because of fire and other perils. The Policy can be purchased by companies where the Total Value at Risk across all Insurable Asset Classes at one location does exceeds Rs5 crores does not exceed Rs5 crores but does not exceed Rs50 Crore at the Policy commencement date

Key Features of GoDigit Bharat Laghu Udyam Suraksha Policy

1. GoDigit Bharat Laghu Udyam Suraksha Policy provides coverage against Fire, Explosion, Lightning, Earthquake, Flood, Storm and other Perils.
2. Option to customize coverage with add-ons like Terrorism, Loss of Rent etc.
3. Availability of Floater cover and Declaration Policy for greater flexibility.
4. GoDigit Bharat Laghu Udyam Suraksha Insurance Policy provides Waiver of Underinsurance of upto 15%
5. Premium for the Policy depends on factors like nature of business, Sum Insured, Contents Insured and location.

GoDigit Bharat Griha Raksha Policy

GoDigit Bharat Griha Raksha Home Insurance Policy This policy provides comprehensive coverage for residential properties at affordable premiums. The Policy provides coverage for the home building and its contents from any damage or loss by caused perils such as Fires, Thefts, Natural Disasters, riots, strikes, deliberate vandalism, act of terrorism and robbery.

Key Features of GoDigit Bharat Griha Raksha Policy

1. The Building Cover covers loss or damage to the building structure due to Insured Perils. The Sum Insured for building is calculated based on area and current cost of construction.
2. Home Content covers the Physical Loss, Damage, or Destruction of the general contents of your home caused by Insured Perils
3. Underinsurance does not apply to the GoDigit Bharat Griha Raksha Policy.
4. Option to customise coverage with various add-on Covers such as Removal of Debris, Arhitect’s and Engineer’s Fees

Liability Insurance Policies offered by GoDigit General Insurance Company Ltd

GoDigit Directors and Officers Liability Insurance Policy

GoDigit D&O Liability Insurance Policy protects Directors and Officers of a Company against liability arising from actions related to their corporate responsibilities. The Policy provides coverage for Defence Costs and Compensatory Damages.

Key Features of GoDigit Directors and Officers Liability Insurance Policy

1. Godigit D&O Liability Insurance Policy provides Side A Coverage, Side B Coverage and Side C Coverage
2. Retroactive Date Cover - The Policy provides coverage for Claims resulting from all incidents that occur after the Retroactive Date
3. The Policy provides worldwide Territory and Jurisdiction Coverage
4. The Policy provides Add-On Covers such as Advancement of Defence Costs, Emergency Costs, Asset and Liberty Costs and Official Investigation and Inquiries.

GoDigit Commercial General Liability Insurance Policy

GoDigit Commercial General Liability Insurance Policy provides coverage against Legal Liability arising from Third-Party Bodily Injury or Property Damage caused by the Insured’s Business Operations, Products or Injuries that occur within the Insured’s Business Premises. The Policy provides coverage for Defence Costs and Compensatory Damages.

Key Features of GoDigit Commercial General Liability Insurance Policy

1. Policy can be issued as a Claims Made Policy or Occurrence Based Policy
2. Premiums vary based on business risk factors such as nature of operations, turnover, location, past claims history etc.
3. Major exclusions are contractual liability, professional advice and service, pollution, asbestos, expected or intended injury, workers’ compensation etc.
4. The Policy is useful for business in industries such as manufacturing, processing, medical devices, pharmaceuticals, engineering etc.
5. Worldwide Territory and Jurisdiction coverage which is beneficial for businesses with global operations

GoDigit Professional Indemnity Insurance Policy

GoDigit Professional Indemnity Insurance Policy provides coverage for Wrongful Acts resulting in financial losses for a Third Party resulting from failure of the Insured’s product to perform the function or to serve the purpose intended or failure to provide service in accordance with terms and conditions of a contract.

Key Features of GoDigit Professional Indemnity Insurance Policy

1. Policy provides coverage against claims of negligence, unintentional breach of contract, or infringement of intellectual property from their clients
2. The Policy is useful for professionals such as accountants, lawyers, or doctors
3. GoDigit Professional Indemnity Policy provides coverage for defence costs and compensatory damages
4. Policy provides add-on covers such as Public Relation Expenses, Loss of Documents etc.

Marine Insurance Policies offered by GoDigit General Insurance Company

GoDigit Specific Voyage Marine Insurance Policy

GoDigit Specific Marine Insurance Policy provides compensation to the Insured in case of loss or damage to the cargo whilst in transit by land, sea, or air. The Policy insures a single transit and a separate policy has to be issued for each and every transit.

Key Features of GoDigit Specific Voyage Marine Insurance Policy

1. GoDigit Specific Voyage Marine Insurance Policy provides coverage against loss or damage to the Insured Cargo against perils such as collision, sinking, fire, jettison etc.
2. General exclusions apply like wear and tear, inherent vice of cargo, war, insolvency of ship owners etc.
3. The premium charged depends on several factors like duration of the voyage, mode of transport, type and value of cargo etc.

GoDigit’s Marine Open Insurance Policy

GoDigit Marine Open Policy provides annual insurance coverage for all cargo shipments of the Insured taking place within the Policy Period. The Insured just needs to submit a monthly declaration of all the transits that took place in the previous month under a Marine Open Policy. The Policy eliminates the need to insure each transit separately, thus reducing the hassle of issuing a separate policy for each transit.

Key Features of GoDigit Marine Open Policy

1. A Marine Open Policy covers all shipments throughout the year; there is no need to issue a separate policy for each and every transit
2. Policy provides coverage for perils like sinking, collision, fire, lightning, earthquake etc.
3. Premium charged depends on cargo value, transit routes, type of conveyance used.
4. Insured has to make periodic declaration of transits taking place to the Insurance Company
5. Certificates are issued under the Marine Open Policy for Individual Transits
6. The Sum Insured under the Marine Open Policy can be enhanced during the duration of the Policy

GoDigit Marine Sales Turnover Policy

GoDigit Marine Sales Turnover Policy covers all the transits, that is Export Sales, Domestic Sales, Imports, Local Purchases, Inter-Factory Movements, Job Worker Movements, Capital Equipment and Container Movements under a Single Policy. The Insured just needs to declare the Sales Turnover of the Company on a periodic basis rather than making a declaration of all transits taking place as done in a Marine Open Policy. A STOP Policy is suited for large enterprises.

Key Features of GoDigit Marine Sales Turnover Policy

1. Sum Insured under the Sales Turnover Policy is determined on the Insured’s estimated sales for the current year.
2. Covers perils like Fire, Collision, Theft, Damage during transit
3. Covers perils like collision, sinking, fire, lightning etc.
4. Add-ons available for Strikes, Riots etc.
5. No need for individual declarations per shipment
6. All Risk or Basic Risk coverage as per Institute Cargo Clauses

Engineering Insurance Policies Offered by GoDigit General Insurance Company

GoDigit Contractors All Risk Insurance Policy (CAR Insurance)

GoDigit Contractors All Risk Insurance Policy is a specially designed Insurance Policy for the construction industry which provides all-risk coverage for damage to property and third-party liabilities arising during construction projects. The policy can be purchased by the project owner, contractor, or both parties involved. The Policy is suitable for a range of construction projects such as buildings, roads, bridges etc.

Key Features of GoDigit Contractors All Risk Insurance Policy

1. Material Damage: The Material Damage Section of the Policy covers damage to construction materials and property because of Perils such as Fire, Lightning, Theft, and Burglary during the Policy Period.
2. The Third-Party Liability Section provides coverage for the legal liability of the contractor for Bodily Injury or Property Damage caused to third parties because of work conducted on the site.
3. The Premium for the Policy is based on Sum Insured, Project Risk, Risk Location and other factors.

GoDigit Erection All Risks Insurance Policy

GoDigit Erection All Risks Insurance Policy is granted to new projects where civil work is less than 50% of the total cost of the project and the Insurance Policy covers risks associated with storage, erection, testing and commissioning of equipment involved in the project.

Key Features of GoDigit Erection All Risk Insurance Policy

1. The Material Damage section of the EAR Insurance Policy covers loss or damage to project materials against various perils such as Fire, Lightning, Theft and Burglary, Insulation Failures, Short Circuit, Explosions Storm, Floods, Earthquakes etc.
2. The Third-Party Liability section provides coverage against legal liability for injury or damage to third party persons/property.
3. The Policy Period starts from arrival of first consignment at the project site and terminates on completion of erection/testing/commissioning or the plant is taken over, whichever occurs first and the maintenance period thereafter.
4. Add-on covers available like Surrounding Property, Debris Removal, Third Party Liability, Escalation Costs, Air Freight, Extended Maintenance etc.
5. Major exclusions are war, nuclear risks, normal wear and tear, design faults, willful negligence etc.
6. The Policy is suitable for erection of industrial projects, power plants, refineries, factories, infrastructure construction etc.

Personal Insurance Plans offered by GoDigit General Insurance Company

GoDigit offers a range of Insurance Policies for individuals such as motor insurance to cover cars, bikes and commercial vehicles as well Health Insurance Policies which provide coverage for hospitalization expenses, critical illnesses and more. Other retail products include Overseas Travel Insurance, Device Protection Plans and Householder’s Policies

Motor Insurance Products offered by GoDigit General Insurance Company

GoDigit Commercial Vehicle Insurance Policy

GoDigit Commercial Vehicle Insurance Policy provides coverage for vehicles like Taxis, Trucks, Buses etc. The Insurance Policy provides coverage to vehicles against damage from Perils such as Fire, Accidents, Theft, Calamities etc. as well as liability arising due to Third Party Bodily Injury and Property Damage.

Key Features of GoDigit Commercial Vehicle Insurance Policy

1. The Own Damage section covers damage to Insured Vehicle due to accidents, theft etc.
2. The Third-Party Liability Section provides coverage against legal liability for third party bodily injury or property damage.
3. No-Claim Bonus (NCB) of upto 50% on Own Damage Premium
4. Add-On Covers of Zero Depreciation, IMT-23, Towing Charges available
5. A Wide Network of 6000+ Garages to avail Cashless Claim Settlement

GoDigit Motor Insurance Policy

GoDigit Motor Insurance Policy provides coverage for vehicle owners against loss or damage to vehicles because of Accidents, Theft, Fire, Natural Calamities etc. in addition to the mandatory Third-Party Liability. The Car Insurance Policy offers comprehensive coverage against Own Damage as well as Third Party Liability

Key Features of GoDigit Motor Insurance Policy

1. The Own Damage Cover Provides protection against damage to own vehicle due to accidents, damages due to natural calamities etc.
2. The Third Party Liability Extension covers legal liability of the vehicle owner for third party bodily injury or property damage.
3. Provides a range of Add-On Covers to enhance Policy Coverage such as Zero Depreciation Cover, Engine Protector Cover and Consumable Expenses Cover.
4. Cashless Claim Settlement across an extensive network of 6,000+ garages across India
5. No Claim Bonus of upto 50%

GoDigit Two-Wheeler Insurance Policy

GoDigit Two-Wheeler Insurance Policies provide protection for bikes, scooters and other two-wheelers against loss or damage because of Accidents, Theft, Fire, Natural Calamities etc. in addition to the mandatory Third-Party Liability.

Key Features of GoDigit Two-Wheeler Insurance Policy

1. Add-ons like Zero Depreciation, Roadside Assistance etc. available
2. Cashless repairs at 7200+ network garages pan-India
3. No Claim Bonus of upto 50%

Health Insurance Products offered by GoDigit General Insurance Company

GoDigit Infinity Wallet Insurance Policy

GoDigit Infinity Wallet Health Insurance Policy is a comprehensive Health Insurance Plan that offers a wide range of benefits to its policyholders. The Policy provides cover for hospitalisation expenses, daycare procedures and pre and post-hospitalisation expenses. The Entry Age for the proposer and other adult family members is 18 years with no maximum entry age limit while Dependent Children can be covered from the age of 91 days.

Key Features of GoDigit Infinity Wallet Insurance Policy

1. Policy can be issued as a Family Floater Health Insurance Policy
2. GoDigit Infinity Wallet Health Insurance Policy offers various Sum Insured options upto Rs3 Crores
3. Covers In-Patient Hospitalization, Pre and Post-Hospitalization, Daycare Treatments, Organ Donor Expenses, etc.
4. No Room Rent Limit
5. Pre and Post-Hospitalisation Expenses coverage for 60 days - 180 days respectively
6. Policy offers Unlimited Restoration Benefit for Related and Unrelated Illnesses during the Policy Period
7. No Claim Bonus of 50% Base Sum Insured up to a maximum of 100% of the Base Sum Insured.
8. Waiting Period of 24 months for Specific Diseases
9. Waiting Period of 36 months for Pre-Existing Diseases
10. Lifelong renewability of the policy is allowed with no age restriction.

GoDigit Worldwide Treatment Insurance Policy

Go Digit Worldwide Treatment Health Insurance Policy provides Worldwide Coverage for Hospitalization Expenses and Daycare Procedures if the diagnosis is made in India and the Insured travels abroad for treatment.

Key Features of GoDigit worldwide Treatment Insurance Policy

1. GoDigit Worldwide Treatment Health Insurance Policy offers various Sum Insured options ranging from Rs2 lakhs to Rs3 Crores
2. Policy provides Worldwide Coverage for Medical Expenses if the diagnosis is made in India and the Insured travels outside India for treatment.
3. Covers In-Patient Hospitalization, Pre and Post-Hospitalization, Daycare Treatments, Organ Donor Expenses, etc.
4. No Room Rent Limit
5. Pre and Post-Hospitalisation Expenses coverage for 60 days - 180 days respectively
6. Policy offers Restoration Benefit for Related and Unrelated Illnesses, once during the Policy Period
7. Claims for treatment availed outside India are settled on Reimbursement Basis only
8. No Claim Bonus of 50% Base Sum Insured up to a maximum of 100% of the Base Sum Insured.
9. Waiting Period of 30 days for Worldwide Coverage
10. Waiting Period of 24 months for Specific Diseases
11. Waiting Period of 36 months for Pre-Existing Diseases
12. Lifelong renewability of the policy is allowed with no age restriction.

GoDigit Arogya Sanjeevani Policy

GoDigit Arogya Sanjeevani Policy provides comprehensive coverage for medical expenses arising from Hospitalization, Pre and Post-Hospitalisation Expenses, Daycare Procedures etc. The Policy has a minimum entry age of 18 years and maximum entry age of 65 years.

Key Features of GoDigit Arogya Sanjeevani Insurance Policy

1. GoDigit Arogya Sanjeevani Insurance Policy offers various Sum Insured options from Rs3 lakhs to Rs2 Crores.
2. Policy provides coverage for Hospitalization expenses like room rent, boarding, nursing charges, ICU/ICCU fees, surgeon/anesthetist fees, medicines, diagnostics etc.
3. Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
4. Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
5. Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively
6. Sub-Limit of 25% of Sum Insured or Rs.40,000/- whichever is lower, per each eye in one policy period for Cataract Treatment
7. Modern treatments like Robotic Surgery, Stem Cell Therapy etc. are covered upto 50% of Sum Insured.
8. Cumulative Bonus of 5% per year for every claim free year, provided that the policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
9. Co-Payment of 5% on each and every claim
10. Waiting Period of 24/48 months for Specified Diseases
11. Waiting Period of 48 months for Pre-Existing Diseases
12. Lifelong Renewal

GoDigit Health Care Plus Super Top-Up Health Insurance Policy

GoDigit Health Care Plus is a Super Top-up Health Insurance Policy provides additional Insurance Coverage over and above an existing Health Insurance Policy. The Policy helps enhance the overall coverage at relatively affordable premiums.

Key Features of GoDigit Super Top-Up Health Insurance Policy

1. Sum Insured options of Rs10 Lakhs and Rs20 Lakhs with Deductible options ranging from Rs2 lakhs to Rs20 lakhs.
2. Coverage for Daycare Procedures
3. The policy provides Maternity Coverage (Optional Cover) with a Sum Insured of Rs10,000 to Rs5 lakhs. Policyholder can choose the Waiting Period for Maternity Benefits from various options - No Waiting Period, 1 Year, 2 Years, 3 Years, 4 Years
4. Policyholder can choose the Waiting Period for Specific Diseases from various options - No Specific Waiting Period, 3 months, 6 months, 1 Year, 2 years
5. Policyholder can choose the Waiting Period for Pre-Existing Diseases from various options - No Pre-existing Disease Waiting Period,3 months,6 months, 1 Year, 2 Years, 3 Years, 4 Years
6. Premiums paid for the policy are eligible Section 80D deductions of the Income Tax Act, 1961.
7. Lifelong Renewal

Travel Insurance Products offered by GoDigit General Insurance Company

GoDigit International Travel Insurance Policy

GoDigit’s International Travel Insurance Policy provides overseas Insurance Coverage to travelers for Medical Expenses, Trip Cancellation due to specified reasons, Lost or Delayed Baggage, Passport Loss etc. during international trips. GoDigit offers two Travel Insurance Plans - Double Secure and Double Secure Plus. The Double Secure plan covers basic travel risks like medical emergencies, loss of passport, flight delays etc. while the Double Secure Plus plan provides wider coverage for trip cancellation, missed flights, hotel booking cancellation etc.

Key Features of GoDigit International Travel Insurance Policy

1. Emergency Medical Treatment Cover: GoDigit Travel Insurance Policy covers medical expenses incurred due to an accident, injury or sickness requiring hospitalisation whilst on a trip. This includes inpatient hospital charges, ambulance services and prescription drugs. The Insurance Policy also covers OPD Expenses upto 10% of the Hospitalisation Sum Insured
2. Accidental Death and Disability Cover (Common Carrier): This Cover provides compensation to the Insured if the Insured suffers from accidental bodily injury during the trip while riding as a fare paying passenger in a common carrier or boarding or alighting from a common carrier which requires urgent and immediate medical attention that leads to the Insured’s Death or Permanent (Partial or Total) Disability).
3. Adventure Sports Cover: GoDigit Travel Insurance Policy also pays for any medical expenses that need to be incurred following an injury because of participating in adventure sports like Scuba Diving, Bungee Jumping etc.
4. Lost Passport & Documents: The Policy also pays reasonable expenses to get a duplicate passport if the Insured’s Passport is lost or stolen.
5. Bounced Bookings: The Travel Insurance Policy reimburses the Insured in the event of Accommodation provider or Common Carrier being unable to honor confirmed bookings.
6. Emergency Trip Extension: The Insurance Policy reimburses the Insured in the event of his departure being delayed than the original scheduled departure date of the return journey because of the death or emergency hospitalisation of the Insured’s travelling companion or the hospitalisation of the Insured himself or because of Any natural disaster resulting in trip extension or Lost or stolen passport.
7. Compassionate Family Visit: In the event of Insured being hospitalized, the Policy also provides coverage for the cost of visit of one of the immediate family member to the city where the Insured is hospitalized
8. Trip Cancellation: GoDigit Travel Insurance Policy pays compensation to the Insured if the Trip has to be cancelled due to Sickness, Injury or Death to the Insured, Insured’s Travel Companion or Insured’s Immediate Family Member.
9. Common Carrier Delay: The Policy pays compensation to the Insured if the common carrier’s actual departure time is delayed by a duration more than the time excess from the scheduled departure time because of Inclement Weather, Equipment Failure of the Common Carrier, or Cancellation on Rescheduling of flights done at the instance of the Common carrier
10. Baggage Delay: The Travel Insurance Policy compensates the Insured if there is a delay or misdirection of the checked-in baggage by the airline. The Policy pays for the expense of necessary personal items so that the Insured can continue with the trip smoothly.
11. Baggage Loss: The Travel Policy compensates the Insured for lost belongings if the checked-in baggage gets lost in Theft or misdirection by the common carrier or also due to non-delivery at its destination.
12. Missed Connection: GoDigit Travel Insurance Policy compensates the Insured for reasonable extra accommodation and travel costs if he misses his departure or connecting flights due to Bad weather, strike or some kind of equipment failure.
13. Trip Abandonment: The Policy pays for additional travel and accommodation costs, unused and non-refundable accommodation costs if the Insured has to abandon his trip because of injury/illness to the Insured/travelling companion/ immediate family member, loss of passport etc.

How to Purchase GoDigit General Insurance Policy?

The Insured needs to follow the below mentioned steps to purchase a GoDigit General Insurance Policy:

Online Process to purchase GoDigit General Insurance Policy

1. Go to GoDigit Website and select the relevant Insurance Policy such as Car Insurance, Commercial Vehicle Insurance, Health Insurance etc. that you want to purchase.
2. Click on the “View Prices” option and start the Online Purchase Process
3. Provide your details like Name, Date of Birth, Claims History, Policy Expiry Date, etc.
4. The Insurance Premium will be calculated and displayed. Review the premium and coverage details.
5. Make the premium payment online using Net Banking, UPI, Debit/Credit Card, Wallet etc.
6. The Policy Document will be emailed to your registered email id immediately.

Offline Process to purchase GoDigit General Insurance Policy

1. If you prefer to purchase a Policy offline, go to the nearest company branch or to an Insurance Broker’s office.
2. An Insurance Broker will assist you with quote comparisons, negotiations and claims as well.
3. Fill in the proposal form and submit relevant documents.
4. Agent will help you make payment and submit documents to Go Digit
5. Policy will be issued in 2-3 days on your registered email and address

How to File a Claim with the GoDigit General Insurance Company?

Here are the steps to file an Insurance Claim with GoDigit General Insurance Company:

Intimate Claim

You need to intimate GoDigit about the claim by either:

1. Go to the GoDigit General Insurance Website, Click on Claims, select the relevant Insurance Policy and register a claim by providing details like Insured Information, date of incident etc.
2. The Company will provide a Claim Intimation number upon successful registration of the Claim.

GoDigit Health Insurance Claim Settlement Process – Cashless Claim Settlement**

To avail Cashless Claim Settlement under the GoDigit Health Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network hospital covered by the GoDigit Health Insurance Policy to avail treatment
2. Inform the Insurance Company about the hospitalization before 3-4 days in case of a planned hospitalization and within 4-5 hours in case of an emergency
3. Show the Health Card issued by the Insurance Company to the Insurance desk at the hospital
4. The Hospital sends the Pre-Authorization Claim Form to GoDigit General Insurance Company for Claim Settlement
5. The Company inspects the details and informs the Insured about the approval or rejection of the Claim
6. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by GoDigit General Insurance Company.

The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

GoDigit Health Insurance Claim Settlement Process – Reimbursement Claim Settlement

If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:

1. Inform GoDigit about hospitalisation within 24 hours of admission. The Company will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices. 3 Send the Scanned Copies of the required documents to GoDigit General Insurance Company on the email id healthclaims@godigit.com
3. The Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
4. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to GoDigit General Insurance Company to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof, Policy Health Card and Address Proof
2. Duly Filled and Signed Claim Form
3. Pathology Reports
4. Medicine Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Hospital Bills
7. Discharge Summary

GoDigit Motor Insurance Claim Process – Cashless Claim Settlement

In order to avail Cashless Claim Settlement under the GoDigit Motor Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network garage covered by the GoDigit Motor Insurance Policy on <www.godigit.com> and bring the damaged car/bike to the same for repairs
2. Inform GoDigit General Insurance Company about the accident and damage to the vehicle by providing the necessary details such as Policy Number, Date, Time and Description of Accident
3. The Insurance Company will send a surveyor to the Garage to inspect the extent of damage after which the approval to begin repairs is given.
4. Once the approval is received, the Garage can commence repairs.
5. The Insured needs to fill the claim form and provide the related documents as mentioned in the form.
6. Once the vehicle is ready, the Insured needs to pay his share of the Claim consisting of Deductible, Depreciation etc. to the garage and drive off. The balance would be settled by GoDigit General Insurance Company directly with the network garage

GoDigit Motor Insurance Claim Process– Reimbursement Claim Settlement

If the Policyholder chooses a non-network Garage, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement for Motor Insurance is listed below:

1. Inform GoDigit General Insurance Company of the Accident on the Mobile App or Website
2. The Company will send a surveyor to assess the extent of damage
3. The Insured needs to submit the Duly Filled and Signed Claim Form along with the necessary documents as mentioned in the form
4. The Insurance Claim is processed on receipt of documents and the Claim Amount will be credited to the bank account of the Policyholder

Purchase GoDigit General Insurance Company Policies with Qian!

Qian is a licensed Insurance Broker with GoDigit General Insurance Company. We can assist you with all Insurance Policies as well as Claim Settlement Process with GoDigit General Insurance Company. Get a Quote for GoDigit General Insurance Company’s Insurance Policy with Qian at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.