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What is the Digit Illness Group Insurance?

Digit’s Illness Group Insurance is a COVID specific cover to help you cover for your employees from potential expenses of the coronavirus. This includes treatment and hospitalization expenses towards the treatment of the COVID-19. The same can be availed for small, medium or big organizations and businesses.

Features of Digit Illness Group Insurance

Sum Insured up to Rs 5 lakhs
Sum Insured up to Rs 5 lakhs 
No room rent and ICU rent restriction
No room rent and ICU rent restriction
5000+ cashless hospitals to avail cashless treatment
5000+ cashless hospitals to avail cashless treatment
Simple, digital processes and one point of contact
Simple, digital processes and one point of contact
Coverage for employee, spouse & up to 2 children
Coverage for employee, spouse & up to 2 children
15-days waiting period only (waiver available)
15-days waiting period only (waiver available)

What is covered under Digit Illness Group Insurance?

Hospitalization expenses

Hospitalization accounts for most expenses incurred when someone is infected with the coronavirus. The Digit Illness Group Insurance sufficiently covers for the same, without any restriction on the room rent! 

Road ambulance charges

This illness group insurance policy also covers for road ambulance charges, up to 1% of the chosen sum insured.

Second medical opinion

Sometimes, a second medical opinion is required, and the digit illness group insurance policy covers for that too! 

Pre & post hospitalization expenses

Medical expenses go beyond just hospitalization bills. This illness group insurance covers for pre-hospitalization expenses up to 30-days and post-hospitalization expenses of up to 60 days.

ICU expenses (no room rent restriction!)

Many severe cases of the coronavirus require treatment under the ICU. Digit’s illness group insurance policy covers for the same, without any room rent restrictions!

Home hospitalization

Home Care treatment cover is provided as an add-on. Coverage up to 10% of sum insured. 

What is not covered under Digit's Group Illness Insurance?

Claims not related to treatment of the coronavirus are not covered. 

Testing for the coronavirus should be done in a government-authorized testing center only.

Cancellation of the policy is not applicable.

Treatment outside India is not covered.

Members already Covid positive at the time of purchase of the policy won’t be covered.

The person insurer should not be suffering from any respiratory-related symptoms like severe cough, respiratory distress, breathlessness continuously from last 2 weeks at the time of buying this policy.

What are the benefits of Digit's Group Illness Insurance?

Affordable premium

Affordable premium

Generally, group health insurance policies premiums are comparatively cheaper than standard health insurance premiums. Additionally, since the digital group illness policy is specific to the COVID-19 only, the premiums for the same are affordable.

Coverage for dependents

Coverage for dependents

Digit’s group illness insurance is not only to cover your employees, but one can also include their dependents such as their spouse and up to two children, with each member receiving an individual coronavirus cover.

Minimum waiting period

Minimum waiting period

Unlike health insurance policies, the waiting period for Digit’s group illness insurance is up to 15-days only. Additionally, there is also a waiver possible!

Digital Processes

Digital Processes

Given that we’re a digital insurance company, all our processes – from buying to claims are digital and zero-touch.

One point of contact

One point of contact

No multiple points of contact or third parties are involved. Just one point of contact with Digit and that’s it!

Sufficient Sum Insured

Sufficient Sum Insured

Although this illness group insurance policy is dedicated to the COVID-19 only, you can pick a sum insured up to 5 lakhs, which is almost as much as even comprehensive corporate plans cover, but here it’s for a single illness!

Who should go for the Digit Group Illness Insurance?

1. Small Businesses

Small businesses usually don’t invest in a group health insurance plan. These include businesses with minimum 7 employees (excluding dependents) - such as local retail shops, showrooms, and salons among many others. 

If you fall into this category and don’t have any medical insurance for your employees, you can at least get Digit’s Group Illness Insurance that will cover them during this widespread pandemic.

2. Small & Medium Enterprises and Early Stage Startups that can’t afford a comprehensive corporate health insurance plan

We understand that not all enterprises can afford a comprehensive medical plan for their employees. That’s why, a customized offering like the Digit Group Illness can be an affordable option to at least cover them against hospitalization & treatment expenses of the coronavirus.

Given the rise in cases in India and the ongoing economic crisis, this works has a valuable shield for your employees and consecutively your business.

3. Large Organizations without a group medical plan

Most large organizations and companies offer group medical plans as a benefit to their employees.

However, given the current economic slowdown, many companies haven’t renewed their group medical plans or simply don’t have one yet.

If you fall into any of these categories, you could at least get a customized COVID-19 cover like the Digit Group Illness Insurance that is beneficial for your employees and affordable enough to maintain your company’s balance sheets! 

4. Companies with higher Group Medical Insurance claims

Typically, when corporate plans are to be renewed, the renewal premium increases if there have been more claims during the year.

Given how widespread the coronavirus is in India, you can choose to get a temporary, additional group covid cover, which can help with covid claims and reduce the renewal premium on your Group medical insurance plan which doesn’t only help save on some additional costs now, but also in the long-term.

Difference between Digit’s Group Illness Insurance and Digit’s Group Health Insurance?

Digit Illness Group Insurance

Digit Group Health Insurance

Digit’s Group Illness Insurance is a cover specific to a single illness and in this case, it is specific to covering hospitalization and treatment expenses of the coronavirus.

Digit’s Group Health Insurance is a comprehensive health insurance cover that covers treatment and hospitalization of many illnesses and diseases, including the covid-19 as well.

The premium for Digit Group Illness Insurance will be comparatively lesser since it comes with limited benefits and only focuses on the coronavirus.

The premium for Digit Group Health Insurance is slightly higher given that it covers for a range of healthcare benefits.

FAQs about Digit Illness Group Insurance