Digit Double Wallet
Overview
Digit Double Wallet is a basic and low-cost plan offered by Go Digit General Insurance Limited. It offers decent benefits without many restrictions. You can choose any room type. Your base sum insured is restored if you make a claim. Additionally, you get a personal accident cover of Rs. 50,000. It is a good choice for budget-conscious customers.
Go Digit General Insurance was founded in 2016 and commenced business in 2018. It mainly focuses on motor and health insurance. It has a very short and limited business track record.
Pros and Cons
- No room restrictions – Choose any room during hospitalisation.
- No copayment or sub-limits – Covers hospitalisation expenses fully up to the sum insured with no copay or sub-limits.
- One restoration every year – If your cover gets partially or fully exhausted, the insurer refills your base sum insured once to cover subsequent claims in a policy year.
- It is a low-cost plan for budget-conscious customers.
- The insurer has a short and limited business track record.
- Consumables are not covered under the base plan.
- Modern treatment coverage is limited to 50% of the base SI.
Plan Benefits
Covers inpatient care hospitalisation expenses
The Digit Double Wallet plan covers inpatient hospitalisation expenses with no copayment clause or disease-specific sub-limit, making it a comprehensive and all-inclusive health insurance plan. However, modern treatments are covered only up to 50% of the base sum insured.
No room rent capping
The plan comes with no room restrictions. Choose a deluxe, suite or any room that suits your lifestyle, and the insurer fully covers your bill.
Fully covers all daycare procedures
Health insurance policies typically cover expenses if hospitalisation exceeds 24 hours. However, many treatments or surgeries done under anaesthesia now require less than 24-hour hospitalisation. They are called daycare treatments. The plan covers the cost of all such treatments fully.
Covers pre and post-hospitalisation expenses
The insurer also covers hospitalisation-related medical expenses for up to 30 days before and 60 days after hospitalisation. Think of follow-up consultations, diagnostic tests, physiotherapy sessions, medication, etc.
Get no-claim bonus for every claim-free year
The insurer provides a no-claim bonus equal to 10% of the base sum insured for every claim-free year. Maximum bonus is capped at 100% of the base sum insured.
Get a one-time restoration of sum insured
You do not have to worry about coverage for the next claim if you have already made a claim. Your insurer restores your sum insured once during a policy year if your base cover is fully or partially exhausted. The restored benefit can be used for related or unrelated subsequent claims.
Covers road ambulance charges
In an emergency, you might need to be transported to the hospital in an ambulance. The insurer covers the expenses of a road ambulance up to 1% of the base sum insured or Rs. 10,000/-, whichever is lower.
Covers AYUSH hospitalisation
The insurer fully covers inpatient treatment taken under alternative lines (including Ayurveda, Yoga, Unani, Siddha and Homoeopathy).
Get cover even if you are forced to be hospitalised at home
Are you forced to be hospitalised at home? Think of a situation when hospital beds are unavailable or the patient’s medical condition does not allow him to be moved to a nearby hospital. This is called domiciliary hospitalisation. The plan still covers the expenses related to hospitalisation if done under the supervision of a medical practitioner and exceeds 3 consecutive days.
Covers organ donor expenses
Organ transplant surgeries are expensive. Moreover, the donor also requires surgery to harvest the organ. But you don’t have to worry anymore. The insurer covers the cost of harvesting an organ from a donor in case you are the organ recipient. It also includes pre and post-hospitalisation expenses of the donor for an approved claim, subject to a maximum of 5% of the claim amount. This benefit has a specified waiting period.
Get free health check-ups
You get access to free health check-ups after every 2 years. This limit is over and above the base cover, and is subject to 0.25% of the base sum insured or Rs. 1,000/-, whichever is lower. In family floater plans, this is the total limit for all insured lives put together.
Get daily cash for choosing shared accommodation
If you choose a shared accommodation in the hospital, the insurer provides a daily cash benefit of Rs. 1,000 per day, up to a maximum of 7 days.
Get inbuilt personal accident cover
You get an inbuilt personal accident cover of Rs. 50,000. The insurer pays an amount equal to Rs. 50,000 to your family in case of your death due to an accident.
Get coverage for weight loss surgery
The plan also covers the cost of bariatric surgery, if medically required and certain conditions are met.
Covers psychiatric illness
You also get cover for treatment of psychiatric illnesses such as delusional, mood-affective or stress-related disorders up to Rs. 1 Lakh. However, OPD consultations are not included, and the cover is effective only after you serve the specified illness waiting period.
Add-ons
Consumables Cover
Non-medical items such as syringes, masks, gloves, etc., which are used during hospitalisation, are not covered under the base plan. However, such items constitute 10% to 20% of each hospital bill. With this add-on, you get coverage for such consumable items. This is a must-have add-on.
Waiting Period Modification
With this add-on, you can reduce the waiting period on specific and pre-existing diseases with the payment of an additional premium.
Premium Savers
Network Hospital Discount
With this add-on, you opt to be treated at the Preferred Provider Network (PPN) at policy purchase to get a discount on the premium rates. However, if you get treatment at a hospital out of the PPN network later, either you incur a fixed copay or the insurer does not cover the claim, depending on the type of PPN network you opted for.
Policy Conditions
| Sum Insured Range | Rs. 2 Lakh to Rs. 3 Crore |
| Entry Age | 91 Days and above for dependent children, 18 Years and above for adults |
| Policy Tenure Options | 1, 2, 3, 4 or 5 Years |
| Coverage Types | Individual and Family Floater |
| Family Coverage | Up to 4 adults and 4 dependent children |
| Premium Payment | Monthly, Quarterly, Half-yearly, Annual |
Exclusions
Waiting Periods
- Initial Waiting Period: 7 days (except accidents)
- Specific Illness Waiting Period: 24 months
- Waiting Period on Pre-Existing Diseases: 36 months
Medical Exclusions
- Congenital external diseases
- Maternity / Sterility or Infertility treatments
- Obesity control
- Cosmetic surgeries (unless due to accident, cancer, etc.)
- Unproven treatment
- Dental treatment
- Refractive error correction for less than 7.5 diopters
Non-Medical Exclusions
- Investigation and evaluation
- Self-injury or attempt to suicide
- Alcoholism, drug or substance abuse
- Expenses for treatment necessitated by committing breach of law with criminal intent
- Expenses for treatment taken by a medical practitioner outside his discipline.
- War, terrorism, nuclear events
- Injuries from hazardous sports
About the Insurer
Go Digit General Insurance Limited is a new-age general insurance company founded in 2016. It commenced business in the year 2018. The company is backed by Fairfax Group, TVS Capital, Faering Capital and A91 Partners. It offers policies across segments such as fire, marine, cargo, aviation, motor, and health, among others. The majority of its revenue comes from the motor business.
Go Digit General Insurance has grown tremendously in the last 5 years. It also showcased operational and claim settlement efficiency by maintaining a good claim settlement ratio and a low volume of claim-related complaints. Nevertheless, it is a newer insurer with a limited business track record.
Performance Highlights (FY24)
Turnover – Rs. 7,941 Crore
Claim Settlement Ratio – 94.62%
Incurred Claim Ratio – 70.32%
Volume of Claim Complaints – 16.41 per 10,000 claims
Network Hospitals – 9,000+
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Frequently Asked Questions
What is the Digit Double Wallet Plan?
Digit Double Wallet is a health insurance plan by Go Digit General Insurance, offering affordable coverage with a double‑wallet (sum insured + backup wallet) structure ideal for people looking for pocket-friendly options.
How does the “Double Wallet” work?
Once you make a claim and your base cover is exhausted, the insurer provides one restoration of an amount equal to the base sum insured within the same policy year, for both related and unrelated illnesses.
Is there a copayment or room‑rent cap under the Digit Double Wallet plan?
No. There is no co‑pay clause and no restriction on room rent or ICU rent, allowing you to choose any room type up to your sum insured.
What waiting periods apply in the Digit Double Wallet plan?
Waiting periods under the plan are:
- Initial waiting: 7 days (except accidents)
- Specific illness: 24 months
- Pre‑existing diseases (PED): 36 months (can be reduced with an add-on)
Are daycare procedures, AYUSH treatments and domiciliary hospitalisation covered under Digit Double Wallet?
Yes, the plan covers daycare procedures, AYUSH treatment and domiciliary hospitalisation up to the sum insured.
Does the plan include personal accident cover?
Yes, the plan provides an in-built personal accident benefit of Rs. 50,000 in the event of accidental death.
What is the no‑claim bonus under Digit Double Wallet?
You receive 10% of the base sum insured for each claim‑free year, cumulative up to a maximum of 100%.
Is health checkup benefit available under Double Digit Wallet?
Yes, the plan covers a free health check-up after every 2 years, capped at Rs. 1,000 or 0.25 % of the sum insured, whichever is lower.
Is a cashless facility available under the Digit Double Wallet plan?
Yes, Go Digit General Insurance has over 9,000 network hospitals across India to facilitate cashless treatment.
Are ambulance charges covered under Digit Double Wallet?
Yes, road ambulance up to Rs. 10,000 or 1 % of the sum insured, whichever is lower. However, air ambulance charges are not covered under this plan.
What exclusions apply in the Digit Double Wallet plan?
Standard IRDAI permanent exclusions apply, such as cosmetic surgery, gender‑reassignment, drug abuse treatments, infertility, dietary supplements, etc.
Can I cover PED faster?
Yes, you can buy a PED waiting period reduction add-on to reduce the pre‑existing disease waiting period to 24 months.
What add-ons are available with Digit Double Wallet?
Consumables cover (for gloves, syringes, etc.) and PED waiting period reduction riders are available as add‑ons.
How is the claim settlement process?
Go Digit General Insurance facilitates both cashless and reimbursement claims. For cashless, inform the insurer before admission. For emergencies, notify within 24 hours. Reimbursement claims should be filed within 30 days of discharge.
Are maternity or newborn cover included under Digit Double Wallet?
No, this plan does not cover maternity or newborn expenses.
Does Digit Double Wallet cover treatments abroad under this plan?
No, overseas hospitalisations or treatments outside India are not covered under the Double Wallet plan.
Is there any premium discount available?
Yes, Go Digit General Insurance offers a good health discount of 5 % on the premium for a healthy lifestyle and a city‑based discount if you live in tier 2 or smaller cities.
Who is this plan ideal for?
Digit Double Wallet is best suited for individuals seeking low‑cost health cover with basic benefits and backup coverage, without needing maternity or international cover. For those seeking more comprehensive benefits, Digit’s Infinity or Worldwide plans may be better options.
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