{"uin":"GODHLGP26045V012526","name":"Digit Aabhar Group Insurance Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Aabhar Group Insurance Policy is a group-health product with modular benefit and indemnity sections for accident, hospitalization, critical illness and other covers. For health sections, claim settlement is within 15 days from submission of claim and the moratorium period is sixty continuous months.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:59:54.510218+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":"quote-verified","value":["DIGIT GROUP COMPLETE SECURE POLICY","DIGIT FINSHIELD INSURANCE POLICY","DIGIT FLEXI GRIHA RAKSHA POLICY","DIGIT ASSET CARE","DIGIT BURGLARY INSURANCE POLICY","DIGIT EXTENDED WARRANTY","DIGIT EXTRA SECURE COVER"],"display":"DIGIT GROUP COMPLETE SECURE POLICY; DIGIT FINSHIELD INSURANCE POLICY; DIGIT FLEXI GRIHA RAKSHA POLICY; DIGIT ASSET CARE; DIGIT BURGLARY INSURANCE POLICY; DIGIT EXTENDED WARRANTY; DIGIT EXTRA SECURE COVER","note":null,"quote":"I. DIGIT GROUP COMPLETE SECURE POLICY .......................................................................................28 ... II. DIGIT FINSHIELD INSURANCE POLICY .......................................................................................69 ... III. DIGIT FLEXI GRIHA RAKSHA POLICY .........................................................................................78 ... IV. DIGIT ASSET CARE .....................................................................................................................83 ... V. DIGIT BURGLARY INSURANCE POLICY ......................................................................................85 ... VI. DIGIT EXTENDED WARRANTY ...................................................................................................89 ... VII. DIGIT EXTRA SECURE COVER ....................................................................................................89","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-table-of-contents"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy wording says the term could be different for different sections and is defined in the policy schedule or certificate of insurance.","quote":null,"sources":[],"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 cashless hospitalization, give notice at least 72 hours before planned hospitalization or within 24 hours of emergency hospitalization. For reimbursement hospitalization claims, the insurer or TPA should be intimated within 48 hours of the date of admission.","display":"Cashless: 72 hours planned or 24 hours emergency; reimbursement: within 48 hours of admission","note":"This is the claim notification rule for Section 1 to Section 48; other sections have separate claim procedures.","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.","sources":[{"clause":null,"heading":"39. Claims Notification and Procedure (Applicable for Section 1 to Section 48)","page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-39-claims-notification-and-procedure-applicable"},{"clause":"4(g)","heading":null,"page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-4-g"}],"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","Copy of Hospital Main Bill","Investigation Reports & Consultation Papers","Positive Diagnostic Report for the Critical Illness and/or Surgical procedures","Attending Physician Certificate","KYC (Photo ID card)","Bank details with Cancelled cheque","Original Hospital Main Bill","Original Hospital Bill Break Up","Original Pharmacy Bills","Prescriptions for the Medicines purchased","MLC/FIR Report","Post Mortem Report","Disability Certificate","Death Certificate"],"display":"Claim form, discharge summary, medical records, bills, investigation reports, prescriptions, KYC, bank details and applicable medical/legal documents","note":"Documents vary by section and claim type.","quote":"Common Documents (Wherever Applicable) | • Duly Filled and Signed Claim form • Discharge Summary • Medical Records (Optional Documents may be asked on need basis: Indoor case papers, OT notes, PAC notes etc.) • Copy of Hospital Main Bill • Investigation Reports & Consultation Papers • Positive Diagnostic Report for the Critical Illness and/or Surgical procedures as per the plan opted and stated in the Policy Schedule / Certificate of Insurance. • Attending Physician Certificate (If applicable) • Document to Confirm Relationship with the Patient for Companion Benefit / Parent Benefit/Companion Visit • *KYC (Photo ID card) (If applicable) • Bank details with Cancelled cheque\nHospitalization Claim | • Original Hospital Main Bill • Original Hospital Bill Break Up • Original Pharmacy Bills • Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital • Digital Images/CDs of the Investigation Procedures (if required) • MLC/FIR Report (If applicable) • Original Invoice/Sticker (If applicable) • Post Mortem Report (If applicable) • Disability Certificate (If applicable) • Attending Physician Certificate (If applicable) • Ante-natal Record (If applicable) • Birth discharge Summary (If applicable) • Death Certificate (If applicable)","sources":[{"clause":"4(c)","heading":null,"page":123,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-4-c-8"}],"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":"The company shall settle or reject a claim within 15 days from submission of claim. If not settled within the specified timeline, interest is payable at bank rate plus 2 percent from the date of receipt of intimation till payment.","display":"Within 15 days from submission of claim; interest at bank rate plus 2 percent for delay","note":"This clause is under conditions applicable when a claim arises.","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.","sources":[{"clause":"11(a)","heading":null,"page":117,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-11-a-3"},{"clause":"11(b)","heading":null,"page":117,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-11-b-3"}],"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":"quote-verified","value":["Pre-Existing Waiting Period – Code- Excl 01","Specified disease/procedure waiting period- Code- Excl02","30-day waiting period/ Initial Waiting Period- Code- Excl03","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","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","Maternity: Code Excl18","Hazardous or Adventures Sport","War and hazardous substances","Dental Treatment"],"display":"Main exclusions include waiting-period exclusions, investigation and evaluation, rest cure, obesity, change of gender, cosmetic surgery, breach of law, excluded providers, substance abuse, maternity, hazardous sport, war and dental treatment.","note":"The policy has separate exclusion lists for other non-health sections.","quote":"1. Pre-Existing Waiting Period – Code- Excl 01 | 2. Specified disease/procedure waiting period- Code- Excl02\n3. 30-day waiting period/ Initial Waiting Period- Code- Excl03 | 4. Investigation & Evaluation- Code- Excl04\n5. Rest Cure, rehabilitation 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. Breach of law: Code- Excl10 | 10. Excluded Providers: Code- Excl11\n11. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Maternity: Code Excl18 ... 22. Circumcision, Aesthetic reasons | 23. Hazardous or Adventures Sport ... 38.War and hazardous substances | 39.Legal Liability ... 42.Specific Treatments | 43.Dental Treatment","sources":[{"clause":"6(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-6-i"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-excl18"},{"clause":null,"heading":"II. Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-ii-specific-exclusions"}],"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":"First contact the company through its website, toll-free number, e-mail, senior-citizen contact or branch grievance cell. If not satisfied, contact the grievance officer at grievance@godigit.com before approaching Bima Bharosa or the Insurance Ombudsman.","display":"Company website/toll-free/e-mail/branch first; then grievance officer at grievance@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 Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com Insured person may also approach the grievance cell at any of the company's branches with the details of grievance 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","sources":[{"clause":"16","heading":"Customer Grievance Redressal Policy","page":118,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-16-6"}],"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 repeatedly says the sum insured is as opted and mentioned in the policy schedule or certificate of insurance, but does not print selectable cover amounts.","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 CIS lists options of 30 days, 15 days, 7 days, 48 hours and NIL; the actual option is as stated 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 amended to the number of days as opted by you and mentioned in your policy schedule. ... Initial Waiting Period | 30 days, 15 days , 7 days, 48 hours and NIL","sources":[{"clause":"2(a)","heading":null,"page":101,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-2-a-15"},{"clause":"2(c)","heading":null,"page":101,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-2-c-6"},{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-7"}],"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":"quote-verified","value":{"unit":"months","amount":0},"display":"0 years to 3 years","note":"The actual pre-existing disease waiting period is one of the listed options as stated in the policy schedule.","quote":"Pre – existing waiting period | 0 years, 3 months, 6 months, 1 year, 2 years, 3 years","sources":[{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-7"}],"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":"quote-verified","value":{"unit":"months","amount":0},"display":"0 years to 2 years","note":"The actual specific waiting period is one of the listed options as stated in the policy schedule.","quote":"Specific Waiting period | 0 years, 3 months, 6 months, 1 year, 2 years","sources":[{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-7"}],"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","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 and Disorders","Neurodegenerative disorders including but not limited to Alzheimer’s disease and Parkinson’s disease","Joint Replacement, Bariatric Surgery and Organ Transplant","Chronic Kidney disease and failure","Ischemic heart disease and Valvular heart diseases"],"display":"Listed specific diseases/procedures include arthritis and spine disorders, gall bladder and GI conditions, cataract and eye disorders, prostate/urogenital conditions, gynaecological conditions, piles/fissure/fistula, hernia, varicose veins, ENT conditions, benign tumours, internal congenital anomaly, psychiatric illness, neurodegenerative disorders, joint replacement/bariatric/organ transplant, chronic kidney disease and ischemic or valvular heart disease.","note":"The quote continues with neurodegenerative disorders, joint replacement/bariatric surgery/organ transplant, chronic kidney disease, and ischemic or valvular heart disease in the same clause.","quote":"List of specific diseases/procedures\n1. 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)\n2. Pancreatitis, calculus disease of gall bladder/biliary tract and urogenital system, Gastric & Duodenal erosions/ulcers, Varices of GI tract, Cirrhosis of Liver, Rectal prolapse.\n3. Cataract (up to the Limit mentioned in Policy Schedule), Glaucoma and Disorder of retina\n4. Hyperplasia of Prostate, Urethral strictures, Hydrocele/Varicocele and spermatocele\n5. All Abnormal Utero-vaginal bleeding, female genital Prolapse, Endometriosis/Adenomyosis, Fibroids, Ovarian Cyst, Pelvic Inflammatory disease\n6. Haemorrhoids, Fissure, Fistula and pilonidal sinus/cyst and fistula.\n7. Hernia of all sites,\n8. Varicose veins of lower extremities,\n9. 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,\n10. All internal and external benign or In Situ Neoplasms/Tumours, Cyst, Sinus, Polyp, Nodules, Swelling, Mass or Lump including breast lumps (each of any kind unless malignant),\n11. Internal Congenital Anomaly (this will not be applicable to Newborn baby cover),\n12. Psychiatric illness and Disorders listed below:","sources":[{"clause":"2(f)","heading":null,"page":101,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-2-f-2"}],"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":null,"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":116,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-7-11"}],"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 insurance sections, the policyholder has the choice to port the policy from one insurer to another and transfer credits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Portability available for indemnity based insurance 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":118,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-14-6"},{"clause":"14(a)","heading":null,"page":118,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-14-a"},{"clause":"14(d)","heading":null,"page":118,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#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":null,"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":"No loading shall apply on renewals based on individual claims experience.","display":"No loading based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"13","heading":"Renewal","page":117,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-13-6"}],"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","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","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","Suicide and Self-Injury","Hazardous or Adventure sports","Defence Operation/Aviation Activities","War and hazardous substances","Dental Treatment"],"display":"Permanent exclusions include Excl04 to Excl18 and specific exclusions such as suicide/self-injury, hazardous or adventure sports, aviation/defence operations, war and hazardous substances, and dental treatment.","note":"Some exclusions are deleted only to the extent a relevant optional cover is opted.","quote":"4. Investigation & Evaluation- Code- Excl04\n5. Rest Cure, rehabilitation 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. Breach of law: Code- Excl10 | 10. Excluded Providers: Code- Excl11\n11. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 | 12. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13\n13. Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. Code- Excl14 | 14. Refractive Error: Code- Excl15\n15. Unproven Treatments: Code- Excl16 | 16. Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... 18. Artificial Life Maintenance | 19. Suicide and Self-Injury ... 24. Defence Operation/Aviation Activities | 25. External Congenital Anomaly ... 38.War and hazardous substances | 39.Legal Liability ... 42.Specific Treatments | 43.Dental Treatment","sources":[{"clause":"6(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-6-i"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-excl18"},{"clause":null,"heading":"II. Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483#c-ii-specific-exclusions"}],"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":"The insured may cancel with seven days' notice. If there has been no claim, the insurer retains premium on a short-period scale and refunds 90%, 75%, 65%, 50%, 40%, 25%, 15% or 0% depending on the period on risk.","display":"7 days' notice; refund from 90% to 0% by period on risk, subject to no claim","note":null,"quote":"Policy may be cancelled at the option of the insured with seven (7) days’ notice of cancellation and We will be entitled to retain premium on short period scale of rates for the period for which the cover has been in existence prior to the cancellation of the Policy. The balance premium, if any, will be refundable to the insured. In case of cancellation of Policy by the insured, premium would be refunded as per below table subject to there being no Claim under the Policy:\nPeriod on Risk | % of Premium to be Refunded\nLess than 2% of Risk Period | 90%\nLess than 10% of Risk Period | 75%\nLess than 15% of Risk Period | 65%\nLess than 25% of Risk Period | 50%\nLess than 35% of Risk Period | 40%\nLess than 50% of Risk Period | 25%\nLess than 75% of Risk Period | 15%\nExceeding 75% of Risk Period | 0%","sources":[{"clause":"8","heading":"Cancellation","page":116,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-8-8"}],"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":"Geographic coverage is section-wise. The policy says treatments are covered within India and payments are in Indian rupees, but some benefit sections are worldwide and geographic limits can be extended to Asia or worldwide on additional premium.","display":"Section-wise: treatments within India; some benefit sections worldwide; optional extension to Asia or worldwide","note":"Hospitalization and most medical expense sections are within India; many fixed-benefit accident and critical illness sections are worldwide.","quote":"Section with Benefits | Geography Coverage ... Section 1. Accidental Death | Worldwide ... Section 21. Critical Illness Hospitalization Cover | Within India ... Section 30. Hospitalization Cover | Within India ... Section 48. Wellness Benefit Program | Within India\nThis Policy covers all treatments received within India and Our liability will be to make Payment Indian Rupees Only. However, on payment of additional premium, the Geographical Limits can be extended to Asia / Worldwide Excluding USA & Canada / Worldwide Including USA & Canada","sources":[{"clause":null,"heading":"26. Geographical Limits","page":103,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-26-geographical-limits"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"For renewal, the policy also says it can be renewed within the Grace Period of 30 days to maintain continuity.","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":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":"Annual payment is not expressly listed in this instalment-premium clause.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of Insurance","sources":[{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":115,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-4-24"}],"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":["Hazardous or Adventure Sports Cover","OPD Benefit","Infertility Treatment Cover","Organ Donor","Emergency Air Ambulance","Long Hospitalization Cash Benefit","Maternity & Newborn Baby Cover","Home (Domiciliary) Hospitalization","Sum Insured Refill Benefit","Daily Cash Benefit","Fixed Cash Benefit","Health Check Up","Wellness Benefit Program","Critical Illness Benefit Cover","Cancer Benefit Cover","Heart Protect Benefit Cover","Organ Failure Benefit Cover"],"display":"Optional health covers include hazardous/adventure sports, OPD, infertility, organ donor, air ambulance, long hospitalization cash, maternity and newborn baby, domiciliary hospitalization, sum insured refill, daily/fixed cash, health check-up, wellness and critical illness/cancer/heart/organ failure covers.","note":"This group product is modular; the wording says only sections listed in the policy schedule or certificate of insurance apply.","quote":"SECTION 18. HAZARDOUS OR ADVENTURE SPORTS COVER ... SECTION 20. CRITICAL ILLNESS BENEFIT COVER ... SECTION 22. CANCER BENEFIT COVER ... SECTION 24. HEART PROTECT BENEFIT COVER ... SECTION 26. ORGAN FAILURE BENEFIT COVER ... SECTION 31. INFERTILITY TREATMENT COVER ... SECTION 32. ORGAN DONOR ... SECTION 34. EMERGENCY AIR AMBULANCE ... SECTION 35. LONG HOSPITALIZATION CASH BENEFIT ... SECTION 36. MATERNITY & NEWBORN BABY COVER ... SECTION 37. HOME (DOMICILIARY) HOSPITALIZATION ... SECTION 38. SUM INSURED REFILL BENEFIT ... SECTION 39. OUT-PATIENT (OPD) BENEFIT ... SECTION 41. DAILY CASH BENEFIT ... SECTION 42. FIXED CASH BENEFIT ... SECTION 47. HEALTH CHECK UP ... SECTION 48. WELLNESS BENEFIT PROGRAM","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-table-of-contents"}],"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":"Coverage is not available during the grace period for renewal, and for instalment premium payment it is not available from the instalment premium due date until the company receives the premium.","display":"Coverage is not available during the grace period","note":"The definition clause also states: “Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.”","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":115,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-4-24"},{"clause":"13","heading":"Renewal","page":117,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495#c-13-6"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Aabhar Group Insurance Policy - GODHLGP26045V012526","pages":151,"fetched_at":"2026-10-17 19:36:47+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-digit-aabhar-group-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/495"},{"kind":"cis","label":"CIS - Digit Aabhar Group Insurance Policy - GODHLGP26045V012526","pages":12,"fetched_at":"2026-10-17 19:36:43+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-aabhar-group-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526/document/483"}],"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 Aabhar Group Insurance Policy (UIN GODHLGP26045V012526), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-aabhar-group-insurance-policy-godhlgp26045v012526"}