{"uin":"GODHLGP26047V012526","name":"Digit Ultimate Group Protect Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526","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 Ultimate Group Protect Policy is a group insurance product with optional health, accident, critical illness, hospitalization, asset, home, burglary, motor-assistance and other sections. Health-section waiting periods, sums insured and many benefits depend on the cover and option stated in the Policy Schedule or Certificate of Insurance.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:00:00.143092+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":["Plan A","Plan B","Plan C","Plan D","Plan E"],"display":"Plan A, Plan B, Plan C, Plan D and Plan E","note":"These are the plan variants stated for covered critical illnesses; other section-specific plans or options may apply if those sections are selected.","quote":"Sr. | Category | Critical Illness | Plan A | Plan B | Plan C | Plan D | Plan E","sources":[{"clause":null,"heading":"Plan wise Covered Critical Illnesses","page":150,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-plan-wise-covered-critical-illnesses"}],"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 wording says the policy term can differ by section 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 health claims, give notice at least 72 hours before planned hospitalization or within 24 hours of emergency hospitalization. For reimbursement health claims, intimate the insurer or TPA within 48 hours of the date of admission.","display":"Cashless: 72 hours before planned hospitalization or within 24 hours in emergency; reimbursement: within 48 hours of admission","note":"This is for Sections 1 to 48. Other non-health sections have separate claim-intimation rules.","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":"37. Claims Notification and Procedure (Applicable for Section 1 to Section 48)","page":126,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-37-claims-notification-and-procedure-applicable"},{"clause":"4(g)","heading":null,"page":126,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#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"],"display":"Claim form, discharge summary, medical records, hospital bill, investigation reports, diagnostic reports, physician certificate, KYC and bank details","note":"The same clause gives additional documents 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","sources":[{"clause":"4(b)","heading":null,"page":127,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-4-b-10"}],"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 health claim within 15 days from submission of claim. If it is not settled within the specified timeline, interest is payable at bank rate plus 2 percent from the date of receipt of intimation until payment.","display":"Within 15 days from submission of claim; interest at bank rate plus 2 percent for delay","note":"For Sections 49 to 55 and other general sections, separate timelines are stated.","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":"12(a)","heading":null,"page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-12-a"},{"clause":"12(b)","heading":null,"page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-12-b"}],"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","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Hazardous or Adventures Sport"],"display":"Main exclusions include waiting periods, investigation and evaluation, rest cure, obesity or weight control, gender-change treatment, cosmetic surgery, breach of law, excluded providers, substance abuse, unproven treatment, infertility, maternity and hazardous sports.","note":"The policy also has section-specific exclusions for non-health sections and exclusions mentioned in the policy schedule.","quote":"1. Pre-Existing Waitni g Period – Code- Excl 01 | 2. Specifeid disease/procedure waitni g period- Code- Excl02\n3. 30-day waitni g period/ Initail Waitni g Period- Code- Excl03 | 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 ... 9. Breach of law: Code- Excl10 | 10. Excluded Providers: Code- Excl11 ... 11. Treatment for, Alcoholism, drug or substance abuse or any addictvie conditoi n and consequences thereof. Code- Excl12 ... 15. Unproven Treatments: Code- Excl16 | 16. Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... 22. Circumcision, Aesthetic reasons | 23. Hazardous or Adventures Sport","sources":[{"clause":"6(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-6-i"},{"clause":"Excl15","heading":"Dietary supplements and substances that can be 14. Refractive Error","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-excl15"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-excl18"},{"clause":null,"heading":"II. Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#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, email or branch grievance cell. If not satisfied, contact the grievance officer at grievance@godigit.com before approaching the Insurance Ombudsman.","display":"Website/toll-free/email/branch first; then grievance officer at grievance@godigit.com; then Ombudsman","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 ... 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 ... If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":null,"heading":"49. Continuity Benefits","page":140,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-49-continuity-benefits"}],"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 defines Sum Insured as the amount opted by the insured and stated in the Policy Schedule or Certificate of Insurance; it does not print fixed cover amount options.","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 schedule can amend the initial waiting period; CIS lists options of 30 days, 15 days, 7 days, 48 hours and NIL.","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":71,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-2-a-4"},{"clause":"2(c)","heading":null,"page":71,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-2-c-4"},{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#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","note":"The applicable option is as specified in the Policy Schedule; CIS lists 0 years, 3 months, 6 months, 1 year, 2 years and 3 years.","quote":"Pre – existing waiting period | 0 years, 3 months, 6 months, 1 year, 2 years, 3 years ... Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of number of months, as opted by You and specified in the Policy Schedule, of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-7"},{"clause":"1","heading":"Pre-Existing Diseases - Code- Excl01","page":70,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-1-21"}],"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":"years","amount":0},"display":"0 years","note":"The applicable option is as specified in the Policy Schedule; CIS lists 0 years, 3 months, 6 months, 1 year and 2 years.","quote":"Specific Waiting period | 0 years, 3 months, 6 months, 1 year, 2 years ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of number of months, as opted by You and specified in the Policy Schedule, of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"7","heading":"WAITING PERIOD","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-7"},{"clause":"2(a)","heading":null,"page":70,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-2-a-3"}],"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 conditions include arthritis and related disorders, gall bladder and urogenital calculus disease, cataract, prostate and urogenital conditions, abnormal uterine bleeding and related gynaecological conditions, piles/fissure/fistula, hernia, varicose veins, ENT conditions, benign tumours/cysts/polyps, internal congenital anomaly, psychiatric disorders, neurodegenerative disorders, joint replacement/bariatric/organ transplant, chronic kidney disease and ischemic or valvular heart disease.","note":null,"quote":"f) 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:\nICD Code | Psychiatric Illness & Disorders\nF20-F29 | Schizophrenia, schizotypal and delusional disorders\nF30-F39 | Mood [afefctive] disorders\nF40-F48 | Neurotic, stress-related and somatoform disorders\nF99-F99 | Unspecified mental disorder\n13. Neurodegenerative disorders including but not limited to Alzheimer’s disease and Parkinson’s disease\n14. 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 as opted by You and mentioned in Your Policy Schedule as long as the Insured Person has been insured continuously under the Policy without any break, unless due to an accident.\n15. Chronic Kidney disease and failure,\n16. Ischemic heart disease and Valvular heart diseases","sources":[{"clause":"2(f)","heading":null,"page":70,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#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":"Applies in case of health sections; enhanced sums insured have a fresh sixty continuous months on the enhanced limits.","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 (Applicable in case of Health Sections)","page":120,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-7-13"}],"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 health sections, the policyholder can 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":"Yes, for indemnity based health sections; credits can be transferred to the acquiring insurer","note":null,"quote":"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":"15(a)","heading":null,"page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-15-a"},{"clause":"15(d)","heading":null,"page":123,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-15-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 on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"14","heading":"Renewal","page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-14-7"}],"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","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","Hazardous or Adventures Sport","War and hazardous substances"],"display":"Permanent exclusions include Excl04 to Excl08 and Excl10 to Excl18, plus product-specific exclusions such as artificial life maintenance, suicide and self-injury, hazardous sports and war or hazardous substances.","note":"Excl01 to Excl03 are waiting-period exclusions and are not listed here.","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 ... 9. Breach of law: Code- Excl10 | 10. Excluded Providers: Code- Excl11 ... 11. Treatment for, Alcoholism, drug or substance abuse or any addictvie conditoi n and consequences thereof. Code- Excl12 ... private beds registered as a nursing home\nattached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13 ... Dietary supplements and substances that can be 14. Refractive Error: Code- Excl15 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\n15. Unproven Treatments: Code- Excl16 | 16. Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... 18. Artificial Life Maintenance | 19. Suicide and Self-Injury ... 22. Circumcision, Aesthetic reasons | 23. Hazardous or Adventures Sport ... 38.War and hazardous substances | 39.Legal Liability","sources":[{"clause":"6(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-6-i"},{"clause":"Excl12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-excl12"},{"clause":"Excl15","heading":"Dietary supplements and substances that can be 14. Refractive Error","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-excl15"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#c-excl18"},{"clause":null,"heading":"II. Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498#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":"You may cancel with seven days’ notice. The insurer retains premium on a short-period scale and refunds the balance if any, subject to no claim under the policy: 90% refund for less than 2% of risk period, 75% for less than 10%, 65% for less than 15%, 50% for less than 25%, 40% for less than 35%, 25% for less than 50%, 15% for less than 75%, and 0% after exceeding 75% of risk period.","display":"Short-period refund if no claim: 90%, 75%, 65%, 50%, 40%, 25%, 15% or 0% depending on risk period used","note":"No refund is stated for cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.","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":120,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-8-10"}],"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":"Coverage is section-wise. Several benefit covers are worldwide, but hospitalization and most health service sections are within India; the policy says treatments received within India are paid in Indian rupees, and geographical limits can be extended to Asia, worldwide excluding USA and Canada, or worldwide including USA and Canada on additional premium.","display":"Section-wise: many benefit covers worldwide; hospitalization and most health covers within India; optional Asia/worldwide extension","note":"The section selected in the Policy Schedule or Certificate of Insurance determines the applicable geography.","quote":"Section with Benefits | Geography Coverage\nSection 1. Accidental Death | Worldwide ... Section 21. Critical Illness Hospitalization Cover | Within India ... Section 30. Hospitalization Cover | Within India ... Section 40. Illness Cover | Within India ... This 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":73,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#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":"Monthly mode has 15 days; all other cases 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":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#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":"These are stated as instalment premium modes; the policy also charges premium for the policy period.","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":119,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-4-28"}],"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","Second Medical Opinion","Molecular Gene Expression profiling test","Geographical Limits can be extended to Asia / Worldwide Excluding USA & Canada / Worldwide Including USA & Canada"],"display":"Hazardous or Adventure Sports Cover; Second Medical Opinion; Molecular Gene Expression profiling test; optional geographical extension to Asia or worldwide","note":"These optional covers or extensions apply only if opted and mentioned in the Policy Schedule or Certificate of Insurance. The Second Medical Opinion and Molecular Gene Expression profiling test are stated under critical illness and cancer sections.","quote":"By Opting this section “HAZARDOUS OR ADVENTURE SPORTS COVER”, You can choose to remove the abovementioned exclusion ... If You have paid the required additional premium for Hazardous or Adventure Sports cover in Level 3, You will be covered for all sports and activities listed as Level 0 (Zero), 1, 2 and 3. ... Following are optional covers available under this section, which will be available on payment of additional premium. ... i) Second Medical Opinion ... ii. Molecular Gene Expression profiling test ... However, on payment of additional premium, the Geographical Limits can be extended to Asia / Worldwide Excluding USA & Canada / Worldwide Including USA & Canada","sources":[{"clause":"Section 18","heading":"HAZARDOUS OR ADVENTURE SPORTS COVER","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-section-18"},{"clause":"Section 18(c)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-section-18-c"},{"clause":null,"heading":"Optional Cover Under Section 20","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-optional-cover-under-section-20"},{"clause":"Section 20(f)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-section-20-f-i"},{"clause":"4","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-4-6"},{"clause":null,"heading":"26. Geographical Limits","page":73,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-26-geographical-limits"}],"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 from the instalment premium due date until the company receives the premium, and renewal coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":"The standard definition also says insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period, but the specific instalment and renewal clauses state that coverage is not available.","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":119,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-4-28"},{"clause":"14","heading":"Renewal","page":122,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486#c-14-7"}],"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 Ultimate Group Protect Policy - GODHLGP26047V012526","pages":157,"fetched_at":"2026-10-17 19:36:36+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-digit-ultimate-group-protect-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/486"},{"kind":"cis","label":"Cis - Digit Ultimate Group Protect Policy - GODHLGP26047V012526","pages":12,"fetched_at":"2026-10-17 19:36:59+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-ultimate-group-protect-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526/document/498"}],"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 Ultimate Group Protect Policy (UIN GODHLGP26047V012526), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-ultimate-group-protect-policy-godhlgp26047v012526"}