Go Digit Group Health Insurance Policy – Coverages, Features, Benefits, Exclusions, Claim Process, Eligibility Criteria, Quotes | Buy & Renew Online

What is Go Digit Group Health Insurance Policy?

GoDigit Group Health Insurance Policy is a comprehensive Group Health Insurance Policy which provides several comprehensive Health Insurance Coverage to company employees and their family members. The Policy covers expenses incurred by the Insured Employee towards Room Rent, Doctor’s Fees, Surgery, Medicines etc. A Group Health Insurance Plan insures a group of employees under a common Health Insurance Plan thereby making it more affordable than Individual Health Insurance Plans.

About GoDigit General Insurance Company

GoDigit General Insurance Company is one of the newest players in India’s General Insurance Industry offering a range of Insurance Policies such as Health Insurance, Motor Insurance, Fire Insurance, Group Health Insurance Insurance, Marine Insurance, etc. The Company was established in 2016 and is headquartered in Bangalore.

What are the Key Features of Go Digit Group Health Insurance Plan?

The features of GoDigit Group Health Insurance Policy are as follows:

1. Coverage for Hospitalization Expenses

GoDigit Group Health Insurance Policy provides coverage for hospitalization expenses including expenses for Room Rent, Doctor’s Fees, Nursing Charges, Pharmacy Charges, Surgery Charges, and other medical expenses incurred. The Policy can be customised to have No Room Rent Limit and No Co-Payment Clause

2. Coverage for Pre and Post-Hospitalization Expenses

GoDigit Group Health Insurance Policy also provides coverage for Pre and Post-Hospitalisation Expenses incurred for the Insured Employee for a period of 30 days and 60 Days respectively. Pre and Post-Hospitalisation Expenses constitute a substantial amount of medical expenses in the form of Diagnostic Reports, Follow-Up Consultations, Pharmacy Bills and coverage for the same provides a big support to the Insured.

3. Coverage for Domiciliary Hospitalization

GoDigit Group Health Insurance Policy provides coverage for expenses incurred towards Domiciliary Hospitalization exceeding 3 days.

4. Cashless Claims Settlement

Go Digit Group Health Insurance Policy offers Cashless Claim Settlement facilities across a network of more than 16,400 network hospitals across India. The Insured Person can avail of cashless hospitalization by showing their health card at the network hospital. As a result, the Insured Employee does not have to pay any money out of his own pocket and the claim is directly settled by GoDigit with the Hospital.

You can view the list of Go Digit network hospitals at this Link – https://www.godigit.com/health-insurance/digit-cashless-network-hospitals-list

5. Coverage for Pre-Existing Diseases

Go Digit Group Health Insurance Policy covers Pre-Existing Diseases without any waiting period. Pre-Existing Diseases are covered from Day 1, which is a big benefit of Group Health Insurance Policy.

6. Maternity Benefits

GoDigit Group Medical Insurance Policy provides coverage for maternity expenses including Normal and C-Section Delivery Expenses and also provides a New-Born Baby Cover without any waiting period. This is very helpful for female employees as well as spouses of male employees as maternity expenses. Coverage for Daycare Procedures The Policy also covers a wide range of daycare procedures like Cataract Surgery and Tonsillectomy that do not require hospitalization.

7. Tax Benefits

Employers can claim deduction for the Premiums Paid towards Go Digit Group Health Insurance Policy for Employees thus making the Policy more affordable for themselves. The Tax Benefits of a Group Health Insurance Policy make it an attractive option to provide employee benefits for employers.

What are the Major Exclusions in GoDigit Group Health Insurance Policy?

The major exclusions in GoDigit Group Health Insurance Policy are as follows:

1. GoDigit Group Mediclaim Policy does not cover any expenses related to any admission primarily for enforced bed rest and not for receiving treatment.
2. Treatments availed outside India are not covered under the Insurance Policy
3. Change of gender treatments or cosmetic surgeries/procedures are not covered by the Policy
4. Expenses relating to treatment of obesity or treatment for weight control are not covered unless the conditions mentioned in the policy are covered
5. Expenses incurred for any treatment required due to injuries caused by participation in hazardous or adventure sports are not covered by GoDigit Group Health Insurance Policy
6. Expenses incurred for admission mainly for investigation or diagnostic purposes are excluded under the Group Health Insurance Policy
7. GoDigit Group Health Insurance Policy does not cover expenses for treatment for Injuries caused in riots, strikes or wars

What is the Claim Process for Go Digit Group Health Insurance Policy?

The claim process for GoDigit Group Health Insurance Policy is similar to the Claims Process for a regular Group Health Insurance Policy. The Policyholder can file a Claim in 2 ways:

1. Reimbursement Claim
2. Cashless Claim

What is the Reimbursement Claims Process for GoDigit Group Health Insurance Policy?

1. Intimate the Claim to the GoDigit General Insurance Company The Company will provide a Claim Intimation Number to Track the Claim Status.
2. Make the payment to the hospital for the medical expenses incurred and submit original copies of all the Bills, Reports and other documents to the Insurance Company
3. On receipt of the relevant documents, GoDigit examine the details and then approve or reject the Claim.

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

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

1. ID Proof and E-Card
2. Duly Filled and Signed Claim Form
3. Diagnostic Reports
4. Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Final Hospital Bills
7. Discharge Summary

What is the Cashless Claims Process under GoDigit Group Health Insurance Policy?

In case of cashless Claims Settlement, GoDigit issues a E-Card to all the Insured Employees. The employee just needs to show the E-Card at any of the Network Hospitals and he will be able to avail Cashless Claim Settlement. Thus, the employee does not have to bear any of hospitalisation expenses in a Cashless Claim as the Insurance Company directly settles the claim with the hospital.

What is the Eligibility Criteria for Go Digit Group Health Insurance Policy?

Usually, Employers purchase GoDigit Group Health Insurance Policy for Employees. However, other non-employee groups like customers of a bank, members of a club or a professional association can also purchase the Group Health Insurance Policy. GoDigit requires a minimum of 200 employees for a Group Health Insurance Policy

How to purchase a Go Digit Group Health Insurance Policy for Employees with Qian?

Qian is a licensed Group Health Insurance Broker and can assist you to purchase a Comprehensive Group Health Insurance Policy for Employees. Employers need to follow the below mentioned steps to purchase a Go Digit Group Health Insurance Policy for employees:

1. Contact Qian: If you wish to purchase a GoDigit Group Health Insurance Policy, contact the Group Health Insurance Team at Qian by mailing them at insurance@qian.co.in. Provide them with the employee data such as employee name, date of birth and gender.
2. Finalise Coverage and Quote: The second step is to finalise Group Health Insurance Coverage based on the budget and requirements. The team at Qian will provide you with quotes from top Group Health Insurance Companies so that you can finalise the Policy
3. Onboard Employees: After purchasing GoDigit Group Health Insurance Policy, the team at Qian will assist you with the onboarding process for employees, share E-Cards and also assist you claims under the Policy.

What are the Benefits of Go Digit Group Health Insurance Policy

1. Affordable: GoDigit Group Health Insurance Policy is affordable and the premiums are lesser than Individual Health Insurance Policies.
2. Comprehensive Coverage: GoDigit Group Health Insurance Policy provides comprehensive coverage for hospitalization expenses, including pre and post-hospitalization expenses, ambulance charges, and maternity benefits.
3. Cashless Hospitalization: The policy offers cashless hospitalisation facilities across a network of more than 6,000 hospitals across India. This means that the Insured Employee can avail cashless treatment across all major hospitals in India and does not have to worry about arranging cash for hospitalization expenses.

Is Medical Check-up Required Before Buying Go Digit Group Health Insurance Policy?

GoDigit Group Health Insurance Policy does not require pre-medical check-up for any of the Insured Employees. This is a big advantage of GoDigit Group Health Insurance Policy.

Download GoDigit Group Health Insurance Policy Wordings

GoDigit Group Health Insurance Policy Wordings can be downloaded at the following link: GoDigit Group Health Insurance Policy Wording.pdf

Buy GoDigit Group Health Insurance Policy With Qian!

GoDigit Group Health Insurance Policy offers comprehensive coverage at very reasonable premiums. At Qian, we customize the features of Group Health Insurance Policy as per the needs and the budgets of the employer and also assist in providing a hassle-free claim settlement process. If you wish to purchase a Group Mediclaim Policy for employees, you can email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you