Digit Group Health Insurance

Digit Group provides health insurance to protect employees working in your organization. Group Insurance is regarded as a helpful benefit, especially in current times. Digit aims at providing more straightforward and transparent insurance solutions rather than complicated policy wordings.  In a small amount of time, Digit has done reasonably well and is regarded as a trusted Insurance Partner.
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Key Statistics of Digit Group Health Insurance company
GHI Premiums
₹174 crores
FY 2021
GHI lives insured
32 thousand
FY 2020
Health lives insured
43 thousand
FY 2020
Claims Processed
8,270
FY 2020
Claims Settlement Ratio
83.08%
FY 2020
Claims Settled within 3 months
63.31%
FY 2020
*Source - IRDAI and IBAI annual reports  **GMC - Group Medical Cover
***Claims Settlement Ratio (CSR) is the percentage of claims settled by the insurance company against the no. of claims obtained in a financial year. A high claim settlement ratio indicates the good financial health of the insurance group.
GHI Premiums
₹1,009 crores
FY 2021
GHI lives insured
53 lakhs
FY 2020
Health lives insured
1.72 crores
FY 2020
Claims Processed
1,67,673
FY 2020
Claims Settlement Ratio
86.52%
FY 2020
Claims Settled within 3 months
86.42%
FY 2020
Awards and Recognitions
Fintech 250 List
CB Insights 2010
General Insurance Company of the year
ASIA Insurance Company Awards 2020
Insurance Startup of the year
Insurance ASIA Awards 2020
Great Place to Work Certified Organization
Hottest startups in India
2019
Insurtech of the year
CMO Asia Awards 2019
SKOCH Order of Merit
SKOCH Awards 2019
Excellence in Financial Reporting
ICAI Awards 2015-16
Top Projects in India
SKOCH Order-of-Merit
Best Customer Experience Award of the Year
Financial Sector
iAAA rating
ICRA
iAAA rating
ICRA
Best Insurance Company in Private Sector
General 2014
Gold Shield
ICAI Awards 2012-13
HR Excellence
Technology award 2012

Highlights of Digit Group Health Insurance

Digital Friendly, no paperwork for claims
No room rent capping
A separate plan for Covid-19.
20% rise in sum insured, for claim free first year.

Benefits of Digit Group Health Insurance

Here is a comprehensive summary of the Digit Group Health Insurance Plan. The features mentioned below can be customised as per your organisation’s requirements.
Standard Benefits
Benefit
Description
Digital Process
Digit Insurance is a digital-friendly company that enables policy buying to claim to process in digital formats.
Cashless Claims
Digit Insurance provides cashless claims at 6500+ hospital partners, where you go with your health card and get the treatment done.
Affordable Premiums
Group Health Insurance with Digit comes at a reasonably affordable premium owing to the most operation being done digitally.
Post hospitalization benefit
With Digit health Insurance, the insured get a post-hospitalization lump sum benefit to manage different medical, like medicine, diagnostic test, reports, etc., without providing separate bills.
Dedicated Contact
With Digit Insurance, the point of contact remains fixed at digit only, and there is no need to chat or call third-party customer care. To ensure maximum customer service, all the customer care functions are duly performed within the organization.
All Sizes of companies
Digit Insurance provides group health insurance to all sizes of groups; whether it is a start-up with ten people or a large-scale business setup, Digit can offer a comprehensive health care plan to all sizes of companies.
Huge Network
With Digit Health Insurance, your group can access a massive network of hospitals all over India. To access the cashless health benefits, just go to any of the 6500+ network hospitals.
Additional Benefits
Accidents
If the insured needs hospitalization because of an accident, digit policy provides cover for the same, inclusive of room rental, ambulance charges, etc.
COVID-19
If the group member tested positive for COVID, he can get the hospitalization benefits from this corporate insurance plan.
Other Illness
Many other illnesses require hospitalization, Digit group plan provides cover to the members during any such hospitalization.
Cash Cover
When hospitalized, many expenses start culminating; daily cash cover is provided under the policy to protect those financial expenses.
Critical Illness
Digit group Plan provides cover for critical illness to the employee and their dependents.
Maternity
When opted for, Digit group health plan provides maternity benefits to the insured or their spouse. Additionally, the policy also covers infertility treatment.
Other Benefits
Ayush Treatment, Organ Donations, Infertility, etc.
Please note that Plum has collated and presented this data for informational purposes only and at a particular point in time. Plum does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The final terms, conditions, and premiums may vary depending upon factors including group size, age, location, and applicable taxes.

The rationale behind group insurance is as follows

Aids Retention
Employee wishes to work at a place where he/she is valued and has a sense of belongingness. Employer-provided group health insurance plan that covers employees and their families will enable financial protection and a sense that their employer cares about them.
Tax advantages
In addition to being beneficial to employees, a company that chooses a group mediclaim policy also receives tax advantages. Group health insurance premiums are tax-deductible as business expenses, which helps to reduce overall taxable income.
A Motivating Factor for Employees
With rising medical expenditures, providing health insurance for an employee and his family can motivate employees. The value of health insurance has been highlighted in recent years, and when an employer offers one, it helps foster a sense of belonging to the firm.
Improve your mental health
An employee considers his or her wage and the work atmosphere and other perks that come with the employment. When it comes to health insurance, an employer's health cover helps an employee get relief both from the expense of health insurance now and from the fear of medical expenses.
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How Does Plum Work?

Open
app.plumhq.com
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Select
Open WhatsApp
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Click on use
my insurance button
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Open
app.plumhq.com
to access your insurance
Click on use
my insurance button
on the dashboard
Select
Open WhatsApp
and continue to chat

Documents Required for Claims Process

The documentation depends on the type of claims process you have chosen - Cashless or Reimbursement.
Reimbursement Claims
Cashless Claims
Claim form
Doctor's certificate
Summary of the discharge
Medical Bill
Prescriptions
Reports from diagnostic tests, X-rays, scans, and ECGs, as well as other films
Whether opting for a Planned procedure or an Emergency one Cashless facilities are available with hassle-free documentation. The documents required are:
E-Health Card Membership Number
Reimbursement claim
Cashless claim
Claim form
Doctor's certificate
Summary of the discharge
Medical Bill
Prescriptions
Reports from diagnostic tests, X-rays, scans, and ECGs, as well as other films
Whether opting for a Planned procedure or an Emergency one Cashless facilities are available with hassle-free documentation. The documents required are:
E-Health Card Membership Number

Make Digit Group Health Insurance Better with Plum

Buying medical insurance for your employees can benefit you and your organization in many ways. Here are the benefits that you can get by purchasing group insurance.
Dashboard
A single dashboard is available to the employers, from where they can access all the information about insurance cover, claims process, etc.
WhatsApp based claims
The Plum claims procedure is simple, and it can be initiated using the Plum WhatsApp chat, which provides employees with a great deal of ease and comfort.
Flexible dashboard access
Using the Plum dashboard from any device of choice enables the mobility and flexibility of the process for the employer.
Plum Wellness
Plum arranges various wellness activities that act as an additional benefit to employees from time to time.
Teams of any size
No matter the type and size of the organization, reach out to Plum and get a desirable solution.
Best prices
Plum provides the best quotes from the top general insurance companies in India.
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Here’s why you will love Plum

With Plum, get complete access to your insurance plan on WhatsApp
Check your healthcare benefits
Intimate your claim
Read what’s covered and not covered
Select other health benefits
Download your Digital health ID Card
See daycare treatment list

Frequently asked 
questions

Can a company of 15 people opt for Digit group health Insurance?

Yes, the Digit group plan can be opted for all team size starting from 10 members.

What are Advance cash benefits?

Based on the estimated bill, an insured can avail of 50% cash benefits of the estimated treatment expenditure. For the balance of 50%, the Insured will have to file a reimbursement claim post-treatment.

Does it cost less in group health Insurance plans, when compared to Individual Plans?

Yes, As the number of people is greater, the risk gets spread which enables the lower cost of group policies.

Can I have both a corporate health and Individual health plan at the same time?

Yes, there are no restrictions on keeping both the plans, rather both plans can be customized in a way to arrive at the maximum possible cover.

How do we get the best policy quotation for Digit group medical insurance from Plum?

Click the link to talk to an expert to help you with your needs. Rest assured Plum will always provide you with the best possible quotes.