{"uin":"GODHLGP24094V012324","name":"Digit Life Healthy Group Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Life Healthy Group Policy is a group combi product combining Digit Health Plus Policy (Revision) and Digit Life Group Term Life Insurance. The health component has a 12 month group policy term, India-only treatment cover, a 30 day initial illness waiting period and optional covers such as OPD, maternity, organ donor and sum insured refill.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:55:53.297742+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe selectable covers and sections, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Health component: 12 months. Life component master policy may continue indefinitely, with member coverage depending on the premium payment option.","display":"Health: 12 months; life: member coverage term depends on premium payment option","note":"Health term is from the health component prospectus; the life component has separate group term rules.","quote":"Policy Term:\nThis being a Group Policy, Policy term will be 12 months. ... Policy Term | Master policy will continue indefinitely until terminated. At member level, the coverage term will be as per Premium Payment Option chosen • For Single Premium Option – One month to Three Years (in multiples of months) • For Regular Premium Option – Two or Three years • One Year Renewable Term - One year","sources":[{"clause":"1(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/466#c-1-i"},{"clause":null,"heading":"Eligibility Conditions","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/466#c-eligibility-conditions"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For health cashless claims, notify at least 72 hours before planned hospitalization or within 24 hours in an emergency; for reimbursement, intimation is within 48 hours of admission. For the life component, claims should be intimated within 90 days from the insured event.","display":"Health: 72 hours planned, 24 hours emergency, 48 hours reimbursement; life: 90 days from insured event","note":null,"quote":"We are given a notice at least 72 hours before any planned hospitalization or within 24 Hours of hospitalization in case of an emergency situation. ... We or Our Service Provider / Third Party Administrator (TPA) should be intimated within 48 hours of date of Admission. ... The claim should be intimated to the Company within a period of 90 days from the date of insured event, to treat the same as a valid claim.","sources":[{"clause":null,"heading":"22. Claims Notification and Procedure","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-22-claims-notification-and-procedure"},{"clause":"3(g)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-3-g"},{"clause":"14","heading":"Requirements for claims /Claim Procedure","page":60,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-14-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Filled and Signed Claim form","Discharge Summary","Medical Records","Original Hospital Main Bill","Original Hospital Bill Break Up","Original Pharmacy Bills","Prescriptions for the Medicines purchased","Consultation Papers","Investigation Reports","MLC/FIR Report","KYC document of Insured Member and Claimant","Attested copy of Death Certificate","Medical Report(s) including Investigation report(s), indoor case papers, Hospital Summary/Discharge Card","Bank account details (Cancelled Cheque/copy of pass book with IFSC code)"],"display":"Claim form, discharge summary, medical records, bills, prescriptions, consultation and investigation papers, KYC, bank details and applicable death/accident/CI documents","note":"The exact documents vary by hospitalization, OPD, critical illness/cancer, daily hospital cash, death, accidental death, terminal illness, critical illness and disability claims.","quote":"1 | Duly Filled and Signed Claim form | √ | √ | √ | √ ... 2 | Discharge Summary | √ | × | × | √\n3 | Medical Records (Optional Documents may be asked on need basis: Indoor case papers, OT notes, PAC notes etc.) | √ | × | √ | ×\n4 | Original Hospital Main Bill | √ | × | × | × ... In order to register a claim under the Master Policy, the Claimant shall endeavor to inform Us in writing with the following documents (as applicable) along with Bank account details (Cancelled Cheque/copy of pass book with IFSC code) of the Claimant:\na) For Death Claim:\ni) Duly completed Claim Form signed by Claimant.\nii) KYC document of Insured Member and Claimant ... v) Attested copy of Death Certificate of the Insured Member issued by Indian Government Authority.","sources":[{"clause":"Row 1","heading":"Duly Filled and Signed Claim form","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-row-1"},{"clause":"Row 2","heading":"Discharge Summary","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-row-2"},{"clause":"14","heading":"Requirements for claims /Claim Procedure","page":60,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-14-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Health claims are settled or rejected within 15 days from submission of claim; if delayed, interest at bank rate plus 2 percent is payable from intimation to payment. The life CIS states claim settlement TAT is 7 working days from the date the last document is received.","display":"Health: within 15 days from submission of claim; life: 7 working days from last document","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim. ... In case the claim is not settled within the specified timelines, then the claimant is entitled for interest at bank rate plus 2 percent from the date of receipt of intimation to till the date of payment. ... Turn Around Time (TAT) for claims setltement - 7 working\ndays from the date the last document is received","sources":[{"clause":"11(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-11-a"},{"clause":"11(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-11-b"},{"clause":null,"heading":"Surrender of the Policy","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/494#c-surrender-of-the-policy"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For health grievances, contact Digit through website, toll-free number, email or branch first, then the grievance officer at grievance@godigit.com if not satisfied. Life grievances can be made at the nearest Digit Life branch, life@godigit.com or 9960126126, then escalated to the Chief Grievance Redressal Officer at lifegro@godigit.com.","display":"Health: website/toll-free/email/branch, then grievance@godigit.com; life: branch/life@godigit.com/9960126126, then lifegro@godigit.com","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... a) Meet your Grievance Officer at Your nearest Digit Life Branch Office\nb) Write to life@godigit.com from Your registered email address\nc) Call 9960126126 from your registered mobile number ... Level 1: In case the complainant is not satisfied with the response, the complainant can escalate the grievance to Chief Grievance Redressal Officer within 8 weeks from date of complaint resolution at lifegro@godigit.com.","sources":[{"clause":"16","heading":"Customer Grievance Redressal Policy","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-16-4"},{"clause":"1","heading":"Contact Information for Complaints & Grievance Redressal","page":62,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-1-15"},{"clause":"2(a)","heading":"Level 1","page":62,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-2-a-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording says the sum insured is the amount opted and stated in the Policy Schedule / Certificate of Insurance, but does not print selectable sum insured amounts for the health cover.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The policy says this can be reduced to the number of days opted and mentioned in the policy schedule.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... However, such waiting Period can be reduced to number of days as opted by you and mentioned in your policy schedule","sources":[{"clause":null,"heading":"3. 30-day waiting period/ Initial Waiting Period - Code- Excl03","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-3-30-day-waiting-period-initial-waiting-period-c"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":"The PED exclusion says the waiting period is the number of months opted and specified in the Policy Schedule, but the documents provided do not print the actual number of months.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The specified disease/procedure waiting period is stated as the number of months opted and specified in the Policy Schedule; no actual period is printed in the wording.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Non-infective arthritis, Osteoarthritis and Osteoporosis (if age related), Systemic Connective Tissue disorders, Dorsopathies, Spondylopathies, Inflammatory Polyarthropathies, Arthrosis and Intervertebral disorders","Pancreatitis, calculus disease of gall bladder/biliary tract and urogenital system, Gastric & Duodenal erosions/ulcers, Varices of GI tract, Cirrhosis of Liver, Rectal prolapse","Cataract, Glaucoma and Disorder of retina","Hyperplasia of Prostate, Urethral strictures, Hydrocele/Varicocele and spermatocele","All Abnormal Utero-vaginal bleeding, female genital Prolapse, Endometriosis/Adenomyosis, Fibroids, Ovarian Cyst, Pelvic Inflammatory disease","Haemorrhoids, Fissure, Fistula and pilonidal sinus/cyst and fistula","Hernia of all sites","Chronic Kidney disease and failure","Varicose veins of lower extremities","Disease of middle ear and mastoid including otitis Media, Cholesteatoma, Perforation of Tympanic Membrane, Sinusitis, Tonsillitis, Adenoid hypertrophy, Nasal septum deviation, Turbinate hypertrophy, Nasal polyp, Mastoiditis, Nasal concha bullosa","All internal and external benign or In Situ Neoplasms/Tumours, Cyst, Sinus, Polyp, Nodules, Swelling, Mass or Lump including breast lumps","Internal Congenital Anomaly","Psychiatric illness","Neurodegenerative disorders including but not limited to Alzheimer’s disease and Parkinson’s disease","Joint Replacement, Bariatric Surgery and Organ Transplant"],"display":"Arthritis and spine disorders, gall bladder/urogenital/GI disorders, cataract/glaucoma/retina, prostate/urethral/hydrocele, abnormal uterine bleeding and related conditions, haemorrhoids/fissure/fistula, hernia, chronic kidney disease, varicose veins, ENT disorders, benign/in situ tumours, internal congenital anomaly, psychiatric illness, neurodegenerative disorders, joint replacement, bariatric surgery and organ transplant","note":null,"quote":"f) List of specific diseases/procedures\ni) Non-infective arthritis, Osteoarthritis and Osteoporosis (if age related), Systemic Connective Tissue disorders, Dorsopathies, Spondylopathies, Inflammatory Polyarthropathies, Arthrosis and Intervertebral disorders (unless due to accident)\nii) Pancreatitis, calculus disease of gall bladder/biliary tract and urogenital system, Gastric & Duodenal erosions/ulcers, Varices of GI tract, Cirrhosis of Liver, Rectal prolapse.\niii) Cataract, Glaucoma and Disorder of retina ... xv) Joint Replacement, Bariatric Surgery and Organ Transplant Any Medical Expenses incurred as a result of Joint Replacement, Bariatric Surgery and Organ Transplant Surgery will be covered subject to a waiting period","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-2-6"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"Applies to sums insured of the first policy; enhanced sums insured require completion of sixty continuous months from enhancement.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"7","heading":"Moratorium Period","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-7-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"For indemnity-based sections, the policyholder can port policies from one insurer to another and transfer credits for sum insured, no claim bonus, specific waiting periods, PED waiting period and moratorium period.","display":"Yes, for indemnity sections, with transfer of credits","note":null,"quote":"In case of Indemnity based Insurance sections: ... A Policyholder has the choice to port his/ her policies from one Insurer to another. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy","sources":[{"clause":"14","heading":"Portability","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-14-4"},{"clause":"14(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-14-a"},{"clause":"14(d)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-14-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the health policy is ordinarily renewable, but does not state lifelong renewal or renewal for life.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal cannot be denied because of claims in preceding policy years and no loading applies on renewals based on individual claims experience.","display":"No claim-based renewal loading","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"13","heading":"Renewal","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-13-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Artificial Life Maintenance","Suicide and Self-Injury","External Congenital Anomaly","Geography","War and hazardous substances"],"display":"Standard exclusions Excl04 to Excl18 plus specific exclusions including artificial life maintenance, suicide/self-injury, external congenital anomaly, geography and war/hazardous substances","note":"Some exclusions can be deleted or waived to the extent a relevant optional cover is opted, as stated in the policy.","quote":"4. Investigatoi n & Evaluatoi n- Code- Excl04\n5. Rest Cure, rehabilitatoi n and respite care- Code- Excl05 | 6. Obesity/ Weight Control: Code- Excl06\n7. Change-of-Gender treatments: Code- Excl07 | 8. Cosmetic or plastic Surgery: Code- Excl08\n9. Hazardous or Adventure sports: Code- Excl09 | 10. Breach of law: Code- Excl10\n11. Excluded Providers: Code- Excl11 | 12. Treatment for, Alcoholism, drug or substance abuse or any addictive conditoi n and consequences thereof. Code- Excl12 ... 15. Refractvie Error: Code- Excl15 | 16. Unproven Treatments: Code- Excl16\n17. Sterility and Infertility: Code- Excl17 | 18. Maternity: Code Excl18 ... II) Specific Exclusions\n19. Artificial Life Maintenance | 20. Suicide and Self-Injury\n21. Circumcision, Aesthetic reasons | 22. External Congenital Anomaly\n23. Geography | 24. Defence Operation","sources":[{"clause":"6(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/489#c-6-i"},{"clause":"6(II)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/489#c-6-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel the health policy at any time during the term by giving 7 days' written notice. For terms up to one year, proportionate premium for the unexpired policy period is refunded if no claims were made; for terms over one year, premium for unexpired policy years is refunded if risk coverage for those years has not commenced.","display":"7 days' notice; proportionate/unexpired premium refund if conditions are met","note":null,"quote":"You may cancel your policy at any time during the term, by giving 7 days notice to us in writing. We shall\n1. Refund proportionate premium for unexpired policy period, if the term of policy is upto one year and there is no claim (s) made during the policy period.\n2. Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"8","heading":"Cancellation","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-8-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Treatment outside India is not covered, so the health cover is for India.","display":"India only","note":null,"quote":"Any treatment received outside India is not covered under this Policy.","sources":[{"clause":null,"heading":"23. Geography","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-23-geography"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The disclosure says the free-look applies to the Combi Product as a whole; the 30 day period is printed in the life component free-look clauses for master policy and member level.","quote":"The Combi Product shall have a free look option, which shall be applied to the Combi Product as a whole. ... within 30 days from the date of receipt of Master Policy. ... within 30 days from the date of receipt of the Certificate of Insurance.","sources":[{"clause":null,"heading":"Disclosures","page":75,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-disclosures"},{"clause":"1(a)","heading":"At Master Policy Level","page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-1-a"},{"clause":"1(b)","heading":"At Member Level","page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-1-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly; 30 days in all other cases","note":"Monthly mode has 15 days; all other modes have 30 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"19","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-19"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For the health component, hospitalization cover and daily hospital cash cover entry age is 18 years to no limit for proposer and adult insured, and 91 days to no limit for child. Critical illness cover entry age is 18 years to no limit for proposer and adult insured, and 181 days for child; the maximum for child is shown as NA.","display":"Health: adult/proposer 18 yrs to no limit; child 91 days to no limit; CI child 181 days","note":"Life group term eligibility separately states entry age minimum 14 years and maximum 80 years.","quote":"Age at Entry:\nType | Entry Age | Minimum | Maximum\nHospitalization Cover & Daily Hospital Cash Cover | Proposer | 18yrs | No Limit\nChild | 91days | No Limit\nAdult Insured | 18yrs | No Limit\nCritical Illness Cover | Proposer | 18yrs | No Limit\nChild | 181days | NA\nAdult Insured | 18yrs | No Limit","sources":[{"clause":"1(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/466#c-1-i"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half-Yearly","Quarterly","Monthly","Single Pay"],"display":"Yearly, Half-Yearly, Quarterly, Monthly; Single Pay for single premium option","note":"This is printed in the life component eligibility conditions; the health prospectus also refers to Half Yearly, Quarterly or Monthly instalment premium.","quote":"Premium Payment Frequency | Yearly, Half-Yearly, Quarterly, Monthly for One Year Renewable Term and Regular Pay Single Pay for Single Premium option","sources":[{"clause":null,"heading":"Eligibility Conditions","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/466#c-eligibility-conditions"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Infertility Treatment Cover","Organ Donor","Emergency Air Ambulance","Long Hospitalization Cash Benefit","Maternity Benefit & Newborn Baby Cover","Out-Patient (OPD) Benefit","Home (Domiciliary) Hospitalization","Sum Insured Refill Benefit","Daily Hospital Cash Cover","Critical Illness Benefit Cover","Cancer Benefit Cover","Wellness Benefit Program"],"display":"Optional health covers include infertility, organ donor, air ambulance, long hospitalization cash, maternity and newborn, OPD, domiciliary, refill, daily hospital cash, critical illness, cancer and wellness","note":"Only covers mentioned in the Policy Schedule / Certificate of Insurance apply; the product also has life inbuilt optional benefits such as accidental death, ATPD, terminal illness and critical illness.","quote":"If You have opted for this Cover, We will pay the Medical Expenses if You are hospitalized on the advice of the Medical Practitioner for Infertility/ Subfertility Treatments. ... If You have opted for this Cover, We will pay You for the following incurred Medical Expenses in respect of organ transplantation: ... If You have opted for this Cover, We will pay You the expenses incurred for Your transportation in an airplane or helicopter ... If You have opted for this Cover, We will pay the Maternity Expenses ... If You have opted for this Cover, We will pay the Reasonable and Customary Charges for below mentioned expenses incurred by You as an Allopathic Out-patient","sources":[{"clause":"Section 2","heading":"INFERTILITY TREATMENT COVER","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-2"},{"clause":"Section 3","heading":"ORGAN DONOR","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3"},{"clause":"Section 5","heading":"EMERGENCY AIR AMBULANCE","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-5"},{"clause":"Section 7","heading":"MATERNITY BENEFIT & NEWBORN BABY COVER","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7"},{"clause":"Section 8","heading":"OUT-PATIENT (OPD) BENEFIT","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-8"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For the health component, coverage is not available during the grace period. For instalment premiums, coverage is not available from the instalment premium due date until receipt of premium, though continuity benefits are preserved if paid within the grace period.","display":"Health cover not available during grace period","note":"The life component separately says risk cover continues during its grace period, but this health field is answered from the health component wording.","quote":"During such Grace Period, Coverage will not be available from the instalment premium payment due date till the date of receipt of premium by Company. ... Coverage is not available during the grace period.","sources":[{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-4-5"},{"clause":"13","heading":"Renewal","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-13-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":"The wording says room rent is subject to a per-day limit opted and mentioned in the Policy Schedule / Certificate of Insurance, but no rupee limit is printed in the provided product documents.","quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Hospital accommodation may be in a ward, shared or private room, subject to the per-day limit opted in the Policy Schedule / Certificate of Insurance.","display":"Ward, shared or private room, subject to chosen per-day limit","note":"The actual room rent limit is schedule-specific.","quote":"Accommodation/Room Rent | Hospital accommodation in a ward, shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy Schedule / Certificate of Insurance against this Cover.","sources":[{"clause":null,"heading":"B. Accidental & Illness Hospitalization Cover","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b-accidental-illness-hospitalization-cover"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":"ICU is listed as a covered hospitalization expense, but no separate ICU per-day or rupee limit is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If a room rent limit is opted and actual room rent exceeds it, the insurer restricts liability in the same proportion, except for medicines and consumables unless waived in the schedule.","display":"Yes, proportionate deduction applies if room rent exceeds the opted limit, except medicines and consumables","note":null,"quote":"If You have opted for a Limit on “Accommodation/Room Rent” and the Room Rent Rate exceeds the limits at the time of Hospitalization our liability will be restricted to the same proportion Admissible Rate Per Day Limit Opted bears to the Actual Rate Per Day of Room Rent Charges except for the cost of medicines and consumables, unless this condition is specifically waived off and mentioned in Your Policy Schedule/Certificate of Insurance.","sources":[{"clause":null,"heading":"B. Accidental & Illness Hospitalization Cover","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b-accidental-illness-hospitalization-cover"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Zone co-pay applies if a lower residence zone is chosen and treatment is taken in a higher zone: 10% for Zone B treated in Zone A, 10% for Zone C treated in Zone B, and 20% for Zone C treated in Zone A. OPD, if opted, has either Basis 1 with 25% in the first year, 10% on first renewal and nil from second renewal, or Basis 2 with nil co-payment.","display":"Zone co-pay 10% or 20% in specified higher-zone treatment; OPD Basis 1: 25%, 10%, then nil; Basis 2: nil","note":"Any other co-payment applicable to an individual policy may be schedule-specific.","quote":"If You have availed choice of Zone B at the time of Policy Inception and availing treatment in a Hospital which is situated in Zone A, 10% Co-pay would be applicable on admissible claim amount. ... If You have availed choice of Zone C at the time of Policy Inception and availing treatment in a Hospital which is situated in Zone A, 20% Co-pay would be applicable on admissible claim amount. ... Basis 1: Co-payment of 25% in the First Year of this Section being Opted, 10% on First Renewal. From the Second Renewal, there will be no Co-payment ... Basis 2: Nil Co-payment","sources":[{"clause":"1","heading":null,"page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-1-9"},{"clause":"3","heading":null,"page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-3-7"},{"clause":"Section 8","heading":"OUT-PATIENT (OPD) BENEFIT","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-8"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"The wording says covers are subject to deductible, but no deductible amount or basis is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cochlear Implant Procedure: restricted to 50% of the Sum Insured","Uterine Artery Embolization and HIFU: up to 50% of Sum Insured unless otherwise agreed","Balloon Sinuplasty: up to 50% of Sum Insured unless otherwise agreed","Deep Brain stimulation: up to 50% of Sum Insured unless otherwise agreed","Oral chemotherapy: up to 50% of Sum Insured unless otherwise agreed","Immunotherapy - Monoclonal Antibody to be given as injection: up to 50% of Sum Insured unless otherwise agreed","Robotic surgeries: up to 50% of Sum Insured unless otherwise agreed","Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions: up to 50% of Sum Insured unless otherwise agreed"],"display":"Cochlear implant and listed modern procedures are capped at 50% of sum insured unless otherwise agreed","note":null,"quote":"Our Maximum Liability in respect of Cochlear Implant Procedure will be restricted to 50% of the Sum Insured opted under Section 1.A. Accidental Hospitalization Cover and/or Section 1.B. Accidental & Illness Hospitalization Cover ... Our Maximum Liability in respect of the following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% (unless specifically agreed otherwise and mentioned in the Policy Schedule/Certificate of Insurance) of Sum Insured opted under Section 1.A. Accidental Hospitalization Cover and/or Section 1.B. Accidental & Illness Hospitalization Cover:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy - Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries I) Bronchial Thermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) K. IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"1","heading":null,"page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-1-7"},{"clause":null,"heading":"42. Weight loss Surgery","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-42-weight-loss-surgery"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 /60 / 90 days before hospitalization, as per the plan opted","note":"The CIS prints options as 30 /60 / 90 days depending on the plan opted; the wording says the number of days is as opted and mentioned in the schedule.","quote":"A2. Pre-Hospitalization Expenses: <<(30 /60 / 90)>>, days before hospitalization, as per the plan opted","sources":[{"clause":"5(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/489#c-5-i"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 / 90 / 120 / 180 days post hospitalization, as per the plan opted","note":"The CIS prints options as 60 / 90 / 120 / 180 days depending on the plan opted; the wording says the number of days is as opted and mentioned in the schedule.","quote":"A3. Post-Hospitalization Expenses: <<(60 / 90 / 120 / 180)>>, days post hospitalization, as per the plan opted","sources":[{"clause":"5(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/489#c-5-i"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care procedures are covered for accidental injury or illness where inpatient treatment or surgery under general or local anaesthesia in a hospital/day care centre requires a stay of less than 24 hours due to technological advancement. Treatment normally taken on an out-patient basis is excluded.","display":"Covered for less-than-24-hour inpatient day care due to technological advancement; OPD excluded","note":null,"quote":"If You suffer an Accidental Injury or Illness during the Policy Period, due to which You need to undergo medical treatment and/or surgical procedure as an inpatient under General or Local Anaesthesia in a hospital/day care centre for stay less than 24 hrs because of technological advancement, We will pay the Medial Expenses Incurred for such Day Care Procedure. Treatment normally taken on an out-patient basis is not included in the scope of this Cover.","sources":[{"clause":null,"heading":"B1. Day Care Procedures","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b1-day-care-procedures"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Home (domiciliary) hospitalization is covered if opted, for illness or injury requiring medical treatment at home that would otherwise have required hospitalization, when the patient cannot be moved to hospital or a hospital room is unavailable, and the condition continues for at least 3 days.","display":"Optional; covered when patient cannot be moved or room unavailable, and treatment continues at least 3 days","note":"Certain listed conditions such as asthma, diabetes, hypertension and psychiatric disorders are excluded under this cover.","quote":"If You have opted for this Cover, We will pay the Medial Expenses incurred by You for any illness or Injury requiring medical treatment taken at home, which would otherwise have required Hospitalization, provided that: ... a) The condition of the patient is such that s/he is not in a condition to be moved to a Hospital or ... b) The patient takes treatment at home on account of non-availability of room in a Hospital, and ... c) The condition for which the medical treatment is required continues for at least 3 days, in which case We will pay the reasonable charge of any necessary medical treatment for the entire period","sources":[{"clause":"Section 9","heading":"HOME (DOMICILIARY) HOSPITALIZATION","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-9"},{"clause":"Section 9(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-9-a"},{"clause":"Section 9(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-9-b"},{"clause":"Section 9(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-9-c"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy is a mandatory in-built cover in Section 1 hospitalization cover and is covered up to the sum insured for Section 1.B, provided treatment is in an AYUSH Hospital.","display":"Covered up to Section 1.B sum insured for inpatient Ayurveda, Unani, Siddha or Homeopathy in an AYUSH Hospital","note":"Outpatient medical expenses and preventive/rejuvenation non-curative treatments are not covered.","quote":"SECTION 4. ALTERNATE TREATMENT (AYUSH) COVER (Mandatory In-Built cover in Section-1 Hospitalization Cover) We will pay the Medical Expenses for Your In-patient Treatment, taken under Ayurveda, Unani, Siddha or Homeopathy. This is up to the Sum Insured mentioned in Your Policy Schedule / Certificate of Insurance against Section 1. B. Accidental & Illness Hospitalization Cover. This is paid provided that treatment has been undergone in Ayush Hospital","sources":[{"clause":"Section 3(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3-e"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Specified modern treatments are covered, where medically indicated, as inpatient or day care treatment in a hospital up to 50% of the sum insured unless otherwise agreed in the schedule. The list includes HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy injections, robotic surgeries, stereotactic radiosurgery, bronchial thermoplasty and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions.","display":"Covered up to 50% of sum insured unless otherwise agreed","note":null,"quote":"Our Maximum Liability in respect of the following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% (unless specifically agreed otherwise and mentioned in the Policy Schedule/Certificate of Insurance) of Sum Insured opted under Section 1.A. Accidental Hospitalization Cover and/or Section 1.B. Accidental & Illness Hospitalization Cover:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy - Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries I) Bronchial Thermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) K. IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":null,"heading":"42. Weight loss Surgery","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-42-weight-loss-surgery"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor cover is optional. If opted, the policy pays incurred medical expenses for harvesting the donated organ and the donor's pre and post hospitalization expenses up to 5% of the approved harvesting expenses; other donor medical treatment consequent on harvesting is not paid.","display":"Optional; harvesting expenses plus donor pre/post hospitalization up to 5% of approved harvesting expenses","note":null,"quote":"If You have opted for this Cover, We will pay You for the following incurred Medical Expenses in respect of organ transplantation: ... a) For the harvesting of the donated organ subject to availability of the Sum Insured under Section 1. B. Accidental & Illness Hospitalization Cover. ... c) We will pay the donor’s Pre and Post Hospitalization expenses. This is up to 5% of the claim amount approved in respect of harvesting expenses. ... d) We will not pay any other medical treatment for the donor consequent on the harvesting.","sources":[{"clause":"Section 3","heading":"ORGAN DONOR","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3"},{"clause":"Section 3(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3-a"},{"clause":"Section 3(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3-c"},{"clause":"Section 3(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-3-d"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses to hospital, and medically necessary transfer from one hospital to the nearest hospital able to provide services, are covered when the relevant hospitalization claim is accepted, up to the schedule limit. Emergency air ambulance is optional for life-threatening conditions and is subject to sum insured and acceptance of the hospitalization claim.","display":"Road ambulance covered up to schedule limit; optional emergency air ambulance for life-threatening conditions","note":"The exact road ambulance rupee limit is schedule-specific.","quote":"We will pay for the expenses incurred on Your road transportation by a Healthcare or an Ambulance Service Provider to a Hospital for treatment following an Emergency, provided that: ... b) The maximum liability per Hospitalization is restricted to the amount as mentioned in Your Policy Schedule / Certificate of Insurance against this Cover. ... If You have opted for this Cover, We will pay You the expenses incurred for Your transportation in an airplane or helicopter for emergency life threatening health conditions which requires immediate and rapid ambulance transportation to the nearest hospital.","sources":[{"clause":null,"heading":"B5. Road Ambulance","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b5-road-ambulance"},{"clause":"Section 1(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-1-b-4"},{"clause":"Section 5","heading":"EMERGENCY AIR AMBULANCE","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-5"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Sum insured refill is optional. If opted, the insurer refills 100% of the utilized sum insured for the policy period; it is triggered only when the hospitalization cause is unrelated to an earlier hospitalization in the same policy period unless this condition is waived in the schedule, and the number of times is as per the schedule.","display":"Optional 100% refill; unrelated hospitalization unless waived; number of refills as per schedule","note":"For floater policies, the refilled sum insured applies on a family floater basis.","quote":"If you have opted for this Cover, We will refill 100% of the Sum Insured specified and utilized under Section 1.A. Accidental Hospitalization Cover and/or Section 1.B. Accidental & Illness Hospitalization Cover for that particular Policy Period, provided that: ... The refilled Sum Insured would be triggered only if the cause of the Hospitalization is not related to /arising out of earlier Hospitalization, including its complications, for which a claim has already been availed during the same policy period for the same Insured Person, unless this condition is specifically waived by us and mentioned in Your Policy Schedule / Certificate of Insurance ... The number of times this benefit may be availed shall be as per the limit mentioned in Your Policy Schedule / Certificate of Insurance against this Section during each Policy Period.","sources":[{"clause":"Section 10","heading":"SUM INSURED REFILL BENEFIT","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-10"},{"clause":"Section 10(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-10-a"},{"clause":"Section 10(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-10-d"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity cover is optional and pays maternity expenses for delivery, complications of pregnancy and medically necessary termination up to the sum insured opted in the schedule. It has a waiting period as opted in the schedule and is limited to up to two living children, with no restriction on medically necessary lawful terminations.","display":"Optional; up to scheduled sum insured; waiting period as opted; limited to two living children","note":"Pre-natal and post-natal medical expenses are not covered unless leading to hospitalization.","quote":"If You have opted for this Cover, We will pay the Maternity Expenses incurred towards the delivery of a baby and/or treatment related to any complication of pregnancy or medically necessary termination. This is up to the Sum Insured opted by You and as mentioned in Your Policy Schedule / Certificate of Insurance against this Section ... This also has a waiting period. Waiting period as opted by you and mentioned in your Policy Schedule / Certificate of Insurance shall apply ... The maternity benefit is limited to cover up to two living children. However, there is no restriction on the number of medically necessary and lawful termination of pregnancies.","sources":[{"clause":"Section 7","heading":"MATERNITY BENEFIT & NEWBORN BABY COVER","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7"},{"clause":"Section 7(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7-a"},{"clause":"Section 7(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7-c"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Newborn baby benefit is part of the optional maternity and newborn cover. It pays, within the maternity benefit sum insured limit, for the newborn's treatment while the insured is hospitalized for delivery, hospitalization charges for medical complications up to 90 days from delivery and vaccinations up to 90 days; if the baby is added as an insured person, vaccinations are covered until age 5 years subject to continuous renewal.","display":"Optional with maternity; newborn medical treatment during delivery hospitalization, complications and vaccinations up to 90 days; vaccinations to 5 years if added","note":null,"quote":"Under this cover, we will also pay the Medical Expenses, within the limit of the Sum Insured available under the Section 7. A Maternity Benefit Section of the Policy, provided that We have accepted a claim under Section 7. A. Maternity Benefit, incurred towards: ... a) The medical treatment of the Insured Person’s New Born Baby while the Insured Person is hospitalised as an inpatient for delivery. ... b) The New Born Baby’s hospitalisation charges as a result of any medical complications, up to 90 Days from the date of delivery. ... c) Reasonable and Customary Charges for the Vaccinations of the New Born Baby as per National Immunization Schedule as defined by Government of India, up to 90 Days from the date of delivery. However, once the New Born Baby is added as an Insured Person under the Policy, We will pay the Reasonable and Customary Charges for the Vaccinations of the New Born Baby as per National Immunization Schedule as defined by Government of India until the New Born Baby attains 5 Years of age","sources":[{"clause":null,"heading":"B. Newborn Baby Benefit","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b-newborn-baby-benefit"},{"clause":"Section 7(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7-a-3"},{"clause":"Section 7(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7-b-3"},{"clause":"Section 7(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-7-c-3"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Psychiatric illness cover is optional and pays up to the limit in the schedule for medical expenses related to psychiatric illness, including dementia, depression, bipolar disorder, schizophrenia, anxiety disorders and obsessive-compulsive disorders, when first diagnosis and inpatient hospitalization occur during the policy period.","display":"Optional inpatient psychiatric illness cover up to schedule limit","note":"A specific waiting period applies as stated in the schedule; prior approval is required except in emergencies.","quote":"We will pay up to the Limit mentioned in Your Policy Schedule / Certificate of Insurance against this Cover for the Medical Expenses, related to Psychiatric Illness which includes, though not limited to, dementia, depression, bipolar disorder, schizophrenia, Anxiety disorders and obsessive-compulsive disorders, provided that: ... a) The first diagnosis and Hospitalization, as an inpatient, was during the Policy Period.","sources":[{"clause":null,"heading":"B7. Psychiatric illness Cover","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b7-psychiatric-illness-cover"},{"clause":"Section 1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-1-a-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"At every policy renewal without a break, the insurer pays health check-up expenses up to the per-policy limits in the schedule, for insured persons above 18 years who submit the required claim form, bills and medical reports. This benefit is additional and not deducted from the sum insured.","display":"At every renewal without break, up to schedule limit, for age above 18","note":null,"quote":"If You Renew Your Policy with Us without a break, then at every Policy Renewal We will pay the expenses incurred towards cost of health check-up up to the Limits Per Policy (excluding any cumulative bonus) mentioned in Your Policy Schedule/Certificate of Insurance . This shall be paid, provided that: ... a) You are above 18 Years of age at the time of Health Check Up. ... b) You submit a duly filled and signed claim form along with original bills and copy of medical reports.\nPlease Note- Payment under this benefit won’t be deducted from Your Sum Insured. It is additional.","sources":[{"clause":null,"heading":"B8. Complimentary Health Check Up","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-b8-complimentary-health-check-up"},{"clause":"Section 1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-1-a-8"},{"clause":"Section 1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-1-b-8"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available only at network hospitals, facilitated by the service provider or TPA, with direct payment to the network hospital to the extent of the insurer's liability after pre-authorization.","display":"Yes, at network hospitals through Service Provider / TPA with direct payment","note":"Pre-authorization is required; the CIS states the request is to be decided within 1 hour of receipt.","quote":"Cashless Facility can be availed from our network hospitals only. This is facilitated by our Service Provider / Third Party Administrator (TPA) and we would make a direct payment to the Network Hospital to the extent of Our Liability","sources":[{"clause":null,"heading":"22. Claims Notification and Procedure","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-22-claims-notification-and-procedure"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Health cashless and reimbursement claims are processed through the insurer's Service Provider / Third Party Administrator (TPA).","display":"Service Provider / Third Party Administrator (TPA)","note":null,"quote":"Cashless Facility can be availed from our network hospitals only. This is facilitated by our Service Provider / Third Party Administrator (TPA) ... Reimbursement Facility can be availed from any hospital within India of Your Choice Wherein You will have to make payment directly to the Hospital and submit the documents to Service Provider / Third Party Administrator (TPA) for processing the reimbursement","sources":[{"clause":null,"heading":"22. Claims Notification and Procedure","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-22-claims-notification-and-procedure"},{"clause":"3(g)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-3-g"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater policy is available","note":null,"quote":"Sum Insured means the amount as opted by You and stated in the Policy Schedule / Certificate of Insurance against the Section/Cover for each insured person including cumulative bonus (if any) for Individual Sum Insured Policy and aggregately for all insured members for a Floater Policy. ... In case of Floater Policy, the refilled Sum Insured will be applicable on family floater basis.","sources":[{"clause":"II","heading":"SPECIFIC DEFINITIONS","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-ii"},{"clause":"Section 10(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520#c-section-10-e"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Life Healthy Group Policy - GODHLGP24094V012324","pages":77,"fetched_at":"2026-10-17 19:37:28+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-digit-life-healthy-group-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/520"},{"kind":"wording","label":"Digit Life Healthy Group Policy - Policy Documents","pages":78,"fetched_at":"2026-10-17 19:31:44+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/policy-wordings-digit-life-healthy-group-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/5415"},{"kind":"prospectus","label":"Prospectus - Digit Life Healthy Group Policy - GODHLGP24094V012324","pages":41,"fetched_at":"2026-10-17 19:36:17+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-digit-life-healthy-group-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/466"},{"kind":"prospectus","label":"Digit Life Healthy Group Policy - Sales Brochures (Prospectus)","pages":42,"fetched_at":"2026-10-17 19:31:07+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/prospectus-digit-life-healthy-group-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/5379"},{"kind":"cis","label":"CIS - Digit Life Healthy Group Policy - Policy Clause GODHLGP24094V012324","pages":12,"fetched_at":"2026-10-17 19:36:50+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-life-healthy-group-policy-policy-clause.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/489"},{"kind":"cis","label":"CIS - Digit Life Healthy Group Policy - COI Clause - GODHLGP24094V012324","pages":12,"fetched_at":"2026-10-17 19:36:53+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-life-healthy-group-policy-coi-clause.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/494"},{"kind":"cis","label":"Digit Life Healthy Group Policy - Customer Information Sheet (CIS)","pages":12,"fetched_at":"2026-10-17 19:31:09+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/cis-digit-life-healthy-group-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324/document/5381"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Life Healthy Group Policy (UIN GODHLGP24094V012324), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-group-policy-godhlgp24094v012324"}