{"uin":"GODHLIP24056V012324","name":"Digit Top Up Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Top-Up Policy is an indemnity health top-up from Go Digit that pays hospital expenses above a deductible of Rs 1 lakh to Rs 30 lakh, with sum insured from Rs 3,00,000 to Rs 100,00,000. It comes as Silver Top Up (per-claim deductible), Gold, Diamond and Platinum Super Top Up (aggregate deductible) and a customisable Flex Plan, with a 30-day initial wait, 2-year specific disease wait and 3-year pre-existing disease wait on the fixed plans.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:30.546204+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"cross-checked","value":["Silver Top Up","Gold Super Top Up","Diamond Super Top Up","Platinum Super Top Up","Flex Plan"],"display":"Silver Top Up, Gold Super Top Up, Diamond Super Top Up, Platinum Super Top Up, Flex Plan","note":"Silver Top Up is on a per-claim deductible; Gold, Diamond and Platinum Super Top Up are on an aggregate deductible; Flex Plan can be either and is customisable.","quote":"Silver Top Up | Gold Super Top Up | Diamond Super Top Up | Platinum Super Top Up | Flex Plan* ... Silver Top Up, Gold Super Top up, Diamond Super Top Up and Platinum Super Top Up Plans are fixed plans and no changes in coverage provided under the plans are allowed. ... *Flex plan is not a fixed plan and can be customized as per customer’s requirement.","sources":[{"clause":"Annexure B","heading":null,"page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-annexure-b-2"},{"clause":null,"heading":"Optional Coverage Other Features","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-optional-coverage-other-features-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1, 2 or 3 years.","display":"1, 2 or 3 years","note":"Long-term discount of 7% for a 2-year and 10% for a 3-year policy (not with instalment premium).","quote":"The Policy Period Options are 1 Year, 2 Years and 3 Years. ... Long-Term Discount: For 2 Years Policy: 7% & For 3 Years Policy: 10%. This Discount shall not be applicable in case of instalment premium.","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-what-are-the-minimum-maximum-entry-age-for-adult"},{"clause":"1","heading":"Long-Term Discount","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-1-13"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Cashless: notice at least 72 hours before a planned hospitalisation or within 24 hours of an emergency hospitalisation. Reimbursement: intimate within 48 hours of admission.","display":"72 hours before planned / 24 hours after emergency admission (cashless); 48 hours of admission (reimbursement)","note":"Delay may be condoned where the reason for delay is proved to the insurer's satisfaction.","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. ... In such cases, condonation of delay can be done by waiver of conditions A.1, B.1 may be considered where the reason for delay is proved to our satisfaction.","sources":[{"clause":"1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-1-16"},{"clause":"2(g)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-g"},{"clause":"2(c)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-c-3"}],"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":"cross-checked","value":["Duly Filled and Signed Claim form","Discharge Summary","Medical Records","Original Hospital Main Bill","Original Hospital Bill Break Up","Original Pharmacy Bills","Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital","Consultation Papers","Investigation Reports","MLC/FIR Report (If applicable)","Death Certificate (If applicable)","*KYC (Photo ID card) (If applicable)","Address Proof","Bank Details with Cancelled Cheque","Additional documents on case-to-case basis"],"display":"Claim form, discharge summary, medical records, original hospital bills and pharmacy bills, prescriptions, consultation papers, investigation reports, KYC, address proof, bank details with cancelled cheque","note":"List for a hospitalisation claim; the table also lists other documents for Personal Accident and Critical Illness claims (post mortem report, burial certificate, FIR/panchnama). KYC needed when the payout exceeds Rs. 1 Lakh per claim.","quote":"1 | Duly Filled and Signed Claim form | √ | √ | √ ... 2 | Discharge Summary | √ | × | × ... 3 | Medical Records (Optional Documents may be asked on need basis: Indoor case papers, OT notes, PAC notes etc.) | √ | × | √ ... 4 | Original Hospital Main Bill | √ | × | × ... 5 | Original Hospital Bill Break Up | √ | × | × ... 7 | Original Pharmacy Bills | √ | × | × ... 8 | Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital | √ | × | × ... 9 | Consultation Papers | √ | × | √ ... 10 | Investigation Reports | √ | × | √ ... 12 | MLC/FIR Report (If applicable) | √ | × | √ ... 19 | Death Certificate (If applicable) | √ | √ | √ ... 24 | *KYC (Photo ID card) (If applicable) | √ | √ | √ ... 25 | Address Proof | √ | √ | √ ... 27 | Bank Details with Cancelled Cheque | √ | √ | √ ... 28 | Additional documents on case-to-case basis | √ | √ | √ ... *KYC documents shall be required at the claim settlement stage, where claims pay-out to the Insured Member exceeds a threshold limit of Rs. 1 Lakhs per claim","sources":[{"clause":"Row 1","heading":"Duly Filled and Signed Claim form","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-1"},{"clause":"Row 2","heading":"Discharge Summary","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-2"},{"clause":null,"heading":"Insufficient Document","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-insufficient-document"}],"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":"cross-checked","value":"The claim is settled or rejected within 15 days from submission of the claim; if late, interest at bank rate plus 2% is payable.","display":"15 days from submission of claim","note":"Interest at bank rate plus 2 percent from receipt of intimation till payment if late. CIS also gives cashless TATs: preauthorisation within 1 hour, final bill within 3 hours.","quote":"a) The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim. ... b) 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. ... i) TAT for preauthorization of cashless facility: Within 1 hour of receipt of request ... ii) TAT for cashless final bill authorization: Within 3 hours of the receipt of discharge authorization request from the hospital.","sources":[{"clause":"12(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-12-a"},{"clause":"12(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-12-b"},{"clause":"9(c)(i)","heading":"TAT for preauthorization of cashless facility","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/38#c-9-c-i"},{"clause":"9(c)(ii)","heading":"TAT for cashless final bill authorization","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/38#c-9-c-ii"}],"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":"cross-checked","value":["Pre-Existing Diseases - Code- Excl01","Specified disease/procedure waiting period- Code- Excl02","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","Hazardous or Adventure sports: Code- Excl09","Substance Abuse – Code- Excl12","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Non-Medical Expenses","Suicide and Self-Injury","War and hazardous substances"],"display":"Waiting periods (Excl01 to Excl03), investigation only, rest cure, obesity, gender change, cosmetic surgery, hazardous sports, substance abuse, infertility, maternity, non-medical expenses, self-injury, war","note":"Non-Medical Expenses exclusion does not apply if the optional Consumables Cover is bought. See permanent_exclusions for the full list.","quote":"Pre-Existing Diseases - Code- Excl01 ... Specified disease/procedure waiting period- Code- Excl02 ... 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 ... Hazardous or Adventure sports: Code- Excl09 ... Substance Abuse – Code- Excl12 ... Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... Non-Medical Expenses ... Suicide and Self-Injury ... War and hazardous substances","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code- Excl01","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-1-13"},{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-7"},{"clause":"3","heading":"Initial Waiting Period- Code- Excl03","page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-3-6"},{"clause":"4","heading":"Investigation & Evaluation- Code- Excl04","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-4-4"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl07","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-9-3"},{"clause":"12","heading":"Substance Abuse – Code- Excl12","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-12-3"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-17-3"},{"clause":"18","heading":"Maternity: Code Excl18","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-18-3"},{"clause":null,"heading":"20. Suicide and Self-Injury","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-20-suicide-and-self-injury"},{"clause":null,"heading":"25. Non-Medical Expenses","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-25-non-medical-expenses"},{"clause":null,"heading":"29. War and hazardous substances","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-29-war-and-hazardous-substances"}],"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":"cross-checked","value":"Contact the company first (website, toll free 1-800-258-4242, hello@godigit.com, or the grievance cell at any branch); if not satisfied, write to the grievance officer at grievance@godigit.com; then the Insurance Ombudsman.","display":"Company (1-800-258-4242, hello@godigit.com, branch grievance cell), then grievance officer at grievance@godigit.com","note":"Senior citizens: seniors@godigit.com. Complaints can also be registered on IRDAI's Bima Bharosa portal.","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":"17","heading":"Customer Grievance Redressal Policy","page":34,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-17-4"}],"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":"cross-checked","value":"Section 1 Hospitalization Cover sum insured from Rs 3,00,000 to Rs 100,00,000.","display":"Rs 3,00,000 to Rs 100,00,000","note":"Personal Accident and Critical Illness (Flex Plan sections only): Rs 1,00,000 to Rs 100,00,000; Long Hospitalization Cash Benefit fixed at Rs 10,000. Individual and floater options are available.","quote":"Section 1 - Hospitalization Cover | 3,00,000 | 100,00,000 ... Section 6 – In-Built Personal Accident | 1,00,000 | 100,00,000 ... Section 7 - Critical Illness Benefit | 1,00,000 | 100,00,000 ... Section 2 – Long Hospitalization Cash Benefit | 10,000 | 10,000 ... 6 | Personal Accident | Not Covered | Not Covered | Not Covered | Not Covered | Not covered/ Upto Sum Insured ... 7 | Critical Illness Benefit | Not Covered | Not Covered | Not Covered | Not Covered | Not covered/ Upto Sum Insured ... 1. Both Individual and Floater Options are available","sources":[{"clause":null,"heading":"What are the Sum Insured options under this Policy?","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-what-are-the-sum-insured-options-under-this-poli"},{"clause":null,"heading":"Base Coverages","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-base-coverages"},{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-8"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are covered from day one. Same 30 days in all plans; critical illness benefit also has 30 days.","quote":"a) 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. ... b) This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months.","sources":[{"clause":"3","heading":"Initial Waiting Period- Code- Excl03","page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-3-6"}],"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":"cross-checked","value":{"unit":"years","amount":3},"display":"3 years","note":"3 years on the Silver, Gold, Diamond and Platinum plans; on the Flex Plan you can choose 3 years, 2 years, 1 year, 9, 6, 3 or 0 months.","quote":"4 | Pre-existing Waiting Period | 3 Years | 3 Years | 3 Years | 3 Years | 3 Years/2 years/1 year/9/6/3/0 months","sources":[{"clause":"Row 4","heading":"Pre-existing Waiting Period","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-4-3"}],"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":"cross-checked","value":{"unit":"years","amount":2},"display":"2 years","note":"2 years on the fixed plans; on the Flex Plan you can choose 2 years, 1 year, 9, 6, 3 or 0 months. Not applied to claims due to an accident.","quote":"3 | Specific Disease Waiting period | 2 Years | 2 Years | 2 Years | 2 Years | 2 Years/ 1 year/9/6/3/0 months","sources":[{"clause":"Row 3","heading":"Specific Disease Waiting period","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-3-5"}],"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":"cross-checked","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 (each of any kind unless malignant)","Internal Congenital Anomaly","Psychiatric illness and Disorders (ICD F20-F29, F30-F39, F40-F48, F99)","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 Chronic Kidney failure","Ischemic heart disease and Valvular heart diseases"],"display":"Joint and spine disorders, gall bladder and GI conditions, cataract, prostate, gynaecological conditions, piles and fistula, hernia, varicose veins, ENT conditions, benign tumours and cysts, internal congenital anomaly, psychiatric illness, neurodegenerative disorders, joint replacement, bariatric surgery, organ transplant, chronic kidney disease, ischemic and valvular heart disease","note":"Internal Congenital Anomaly waiting period does not apply to New Born Baby/infants.","quote":"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 (each of any kind unless malignant) ... Internal Congenital Anomaly ... Psychiatric illness and Disorders listed below ... 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 Chronic Kidney failure ... Ischemic heart disease and Valvular heart diseases ... F20-F29 | Schizophrenia, schizotypal and delusional disorders ... F30-F39 | Mood [affective] disorders ... F40-F48 | Neurotic, stress-related and somatoform disorders ... F99-F99 | Unspecified mental disorder","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-7"}],"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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the sixty months run from the date of enhancement on the enhanced part.","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 any grounds of non-disclosure and/or, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"7","heading":"Moratorium Period","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-7-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. You can port to another insurer and carry over credits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium.","display":"Yes, with credit for waiting periods","note":"Migration to another Digit policy also carries these credits.","quote":"a) A Policyholder has the choice to port his/ her policies from one Insurer to another. ... d) 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":34,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-15-a"},{"clause":"15(d)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#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":"cross-checked","value":true,"display":"Yes, no age limit for renewals","note":"Renewable except on grounds of fraud, non-disclosure or misrepresentation, or product withdrawal. The prospectus footnote also says the policy 'will be terminated in case of claim settlement' without saying which claim (the Personal Accident section ends cover for that person after an accepted claim).","quote":"*there is no age limit for renewals, however policy will be terminated in case of claim settlement. ... i) The policy shall ordinarily be renewable provided the product is not withdrawn except on grounds of fraud, or non-disclosure or misrepresentation by the insured person.","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-what-are-the-minimum-maximum-entry-age-for-adult"},{"clause":"14","heading":"Renewal","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-14-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on 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":"cross-checked","value":"No. No loading applies on renewal based on individual claims experience, and renewal is not denied because of claims.","display":"No loading for claims","note":null,"quote":"iii) Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... vi) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"14","heading":"Renewal","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-14-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Substance Abuse – Code- Excl12","Domestic Treatment- Code- Excl13","Non-prescribed Medicine – Code- Excl14","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Artificial Life Maintenance","Suicide and Self-Injury","Circumcision, Aesthetic reasons","External Congenital Anomaly","Defence Operation","Non-Medical Expenses","Preventive Treatment","Spectacles, Hearing aids & other Expenses","Unjustified or Unwarranted Hospitalization","War and hazardous substances","Legal Liability","Substance abuse and Addictions by the Insured","Ear, Eyesight & Optical Services","Prosthetics and other devices","Predictive Genome testing","Dental Treatment","Organ Donor","Weight loss Surgery","Any loss arising out of the Insured Person’s actual or attempted commission of or willful participation in an illegal act"],"display":"Excl04 to Excl18 plus the policy's own exclusions (artificial life maintenance, self-injury, war, non-medical expenses, dental, prosthetics and others)","note":"Non-Medical Expenses exclusion is lifted by the optional Consumables Cover. Items 34 and 35 also cap some treatments rather than exclude them: hyaluronic acid and similar injections at 5% of sum insured, new age treatments (robotic surgery, oral chemotherapy and others) and cochlear implants at 50% of sum insured. Dental treatment is covered only if hospitalisation is due to accident.","quote":"Investigation & Evaluation- Code- Excl04 ... Rest Cure, rehabilitation and respite care- Code- Excl05 ... Obesity/ Weight Control: Code- Excl06 ... Change-of-Gender treatments: Code- Excl07 ... Cosmetic or plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Excluded Providers: Code- Excl11 ... Substance Abuse – Code- Excl12 ... Domestic Treatment- Code- Excl13 ... Non-prescribed Medicine – Code- Excl14 ... Refractive Error: Code- Excl15 ... Unproven Treatments: Code- Excl16 ... Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... Artificial Life Maintenance ... Suicide and Self-Injury ... Circumcision, Aesthetic reasons ... External Congenital Anomaly ... Defence Operation ... Non-Medical Expenses ... Preventive Treatment ... Spectacles, Hearing aids & other Expenses ... Unjustified or Unwarranted Hospitalization ... War and hazardous substances ... Legal Liability ... Substance abuse and Addictions by the Insured ... Ear, Eyesight & Optical Services ... Prosthetics and other devices ... Predictive Genome testing ... 36. Dental Treatment ... Organ Donor ... Weight loss Surgery ... 39. Any loss arising out of the Insured Person’s actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"4","heading":"Investigation & Evaluation- Code- Excl04","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-4-4"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl07","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-9-3"},{"clause":"10","heading":"Breach of law: Code- Excl10","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-10-3"},{"clause":"11","heading":"Excluded Providers: Code- Excl11","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-11-3"},{"clause":"12","heading":"Substance Abuse – Code- Excl12","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-12-3"},{"clause":"13","heading":"Domestic Treatment- Code- Excl13","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-13-3"},{"clause":"14","heading":"Non-prescribed Medicine – Code- Excl14","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-14-3"},{"clause":"15","heading":"Refractive Error: Code- Excl15","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-15-3"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-16-3"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-17-3"},{"clause":"18","heading":"Maternity: Code Excl18","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-18-3"},{"clause":null,"heading":"19. Artificial Life Maintenance","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-19-artificial-life-maintenance"},{"clause":null,"heading":"20. Suicide and Self-Injury","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-20-suicide-and-self-injury"},{"clause":null,"heading":"21. Circumcision, Aesthetic reasons","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-21-circumcision-aesthetic-reasons"},{"clause":null,"heading":"22. External Congenital Anomaly","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-22-external-congenital-anomaly"},{"clause":null,"heading":"24. Defence Operation","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-24-defence-operation"},{"clause":null,"heading":"25. Non-Medical Expenses","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-25-non-medical-expenses"},{"clause":null,"heading":"26. Preventive Treatment","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-26-preventive-treatment"},{"clause":null,"heading":"27. Spectacles, Hearing aids & other Expenses","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-27-spectacles-hearing-aids-other-expenses"},{"clause":null,"heading":"28. Unjustified or Unwarranted Hospitalization","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-28-unjustified-or-unwarranted-hospitalization"},{"clause":null,"heading":"29. War and hazardous substances","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-29-war-and-hazardous-substances"},{"clause":null,"heading":"30. Legal Liability","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-30-legal-liability"},{"clause":null,"heading":"31. Substance abuse and Addictions by the Insured","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-31-substance-abuse-and-addictions-by-the-insured"},{"clause":null,"heading":"32. Ear, Eyesight & Optical Services","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-32-ear-eyesight-optical-services"},{"clause":null,"heading":"33. Prosthetics and other devices","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-33-prosthetics-and-other-devices"},{"clause":"2(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-a"},{"clause":"2(I)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-i"},{"clause":null,"heading":"37. Organ Donor","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-37-organ-donor"},{"clause":null,"heading":"38. Weight loss Surgery","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-38-weight-loss-surgery"}],"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":"cross-checked","value":"You may cancel any time with 7 days' written notice. For a policy of up to one year with no claim, proportionate premium for the unexpired period is refunded; for longer policies, premium for policy years whose cover has not started is refunded.","display":"Proportionate refund if no claim (1-year policy); unstarted years refunded on multi-year policies","note":"The wording does not say what is refunded on a one-year policy after a claim.","quote":"You may cancel your policy at any time during the term, by giving 7 days notice to us in writing. We shall\ni) Refund proportionate premium for unexpired policy period, if the term of policy is upto one year and there is no claim (s) made during the policy period.\nii) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"8","heading":"Cancellation","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-8-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India. The policy covers treatment received within India and pays in Indian Rupees.","display":"India","note":"The geographical limits clause says cover can be extended outside India 'based on the plan opted', and the reimbursement clause mentions 'Section 5 – Worldwide coverage', but no plan in the plan chart offers overseas cover and Section 5 (air ambulance) is limited within India. This is an inconsistency inside the policy wording.","quote":"This Policy covers all treatments received within India. However, based on the plan opted, the Geographical limits will be extended to places outside India. Our liability will be to make Payment in Indian Rupees Only. ... The Air ambulance services will be limited within India only and NOT overseas in any condition whatsoever. ... except for Section 5 – Worldwide coverage where treatment can be taken outside India","sources":[{"clause":null,"heading":"23. Geographical Limits","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-23-geographical-limits"},{"clause":null,"heading":"Conditions applicable to Emergency Air Ambulance","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-conditions-applicable-to-emergency-air-ambulance"},{"clause":"2(g)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-g"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting/migration. Refund less medical examination and stamp duty costs, or less proportionate risk premium. CIS says 'within 30 days from the beginning of the policy'.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. ... Free Look Period- You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the policy.","sources":[{"clause":"9","heading":"Free Look Period","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-9-4"},{"clause":"12","heading":"THINGS TO REMEMBER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/38#c-12"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days for monthly instalments.","quote":"v) At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... i) 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":"14","heading":"Renewal","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-14-4"},{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-4-5"}],"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":"cross-checked","value":"Children from 91 days and adults (including the proposer) from 18 years; no maximum entry age.","display":"91 days (child), 18 years (adult); no maximum","note":"A financially independent person should not be covered as a child.","quote":"Hospitalization Cover | Proposer | 18yrs | No Limit\nChild** | 91days | No Limit\nAdult Insured | 18yrs | No Limit","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-what-are-the-minimum-maximum-entry-age-for-adult"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Half Yearly","Quarterly","Monthly"],"display":"Half-yearly, quarterly or monthly instalments","note":"These are the instalment options; the documents do not name a yearly mode separately. The long-term discount does not apply with instalment premium.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-4-5"}],"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":"cross-checked","value":["Consumables Cover","Bariatric Surgery Limit Booster","Psychiatric Illness Sub-Limit"],"display":"Consumables Cover, Bariatric Surgery Limit Booster, Psychiatric Illness Sub-Limit","note":"Bariatric booster raises the 5% limit to 20% or 100% of sum insured; psychiatric sub-limit caps psychiatric cover at 5% or 10%. On the Flex Plan, sections such as Long Hospitalization, Organ Donor, Home Hospitalization, Air Ambulance, Personal Accident, Critical Illness and Network Hospital Discount can also be chosen.","quote":"1 | Consumables Cover | Section 1- Hospitalization Cover\n2 | Bariatric Surgery Limit Booster | Section 1- Hospitalization Cover\n3 | Psychiatric Illness Sub-Limit | Section 1 – Hospitalization Cover ... 2 | Bariatric Surgery Limit Booster | 20% of Sum Insured/ 100% of Sum Insured ... 3 | Psychiatric Illness Sub- Limit | 5%/ 10% of Sum Insured","sources":[{"clause":"II","heading":"OPTIONAL COVERS","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-ii-2"},{"clause":"Row 2","heading":"Bariatric Surgery Limit Booster","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-2-5"},{"clause":"Row 3","heading":"Psychiatric Illness Sub- Limit","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-3-4"}],"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":"conflicting","value":"No cover during the renewal grace period. For instalment premiums the policy wording says cover is available from the due date until the premium is received.","display":"Not covered in renewal grace period; covered for instalment grace period (wording)","note":"Prospectus says for instalments: '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.'","quote":"Coverage is not available during the grace period. ... ii) During such Grace Period, Coverage will be available from the instalment premium payment due date till the date of receipt of premium by company. ... 2. 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.","sources":[{"clause":"14","heading":"Renewal","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-14-4"},{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":31,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-4-5"},{"clause":"8(d)(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-8-d-ii"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"cross-checked","value":"A deductible chosen from Rs 1 lakh to Rs 30 lakh, per claim or in aggregate depending on the plan, applies before the policy pays under Section 1.","display":"Rs 1 lakh to Rs 30 lakh (as chosen)","note":"Same deductible range applies to Organ Donor, Home Hospitalization and Air Ambulance sections; Long Hospitalization has a 10-day deductible. The deductible can be waived once, at renewal after 5 policy years, if the eldest member is not over 50, by moving to an indemnity policy.","quote":"Section 1-Hospitalization Cover | Per claim Basis – INR 1 Lakh | Per claim Basis – INR 30 Lakhs | NA\nAggregate - INR 1 Lakh | Aggregate – INR 30 Lakhs ... A Deductible does not reduce the Sum Insured. ... i) This option can be availed only once in a lifetime and at the time of Renewal, post completion of 5 Policy Years; and\nii) The eldest member’s Age in the Policy has not crossed 50 years.","sources":[{"clause":"Section 9","heading":"AYUSH Hospitalization (Mandatory In-Built cover in Section-1 Hospitalization Cover) | NA OPTIONAL COVERS","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-section-9-2"},{"clause":"Section 1","heading":"HOSPITALIZATION COVER","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-section-1"},{"clause":null,"heading":"18. Conversion to Indemnity Policy","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-18-conversion-to-indemnity-policy"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"cross-checked","value":"aggregate","display":"Aggregate (per claim on Silver Top Up)","note":"Silver Top Up: per claim. Gold, Diamond and Platinum Super Top Up: aggregate. Flex Plan: either, as chosen.","quote":"Note: “Silver Top Up” Plan is available on per claims deductible basis, while other plans (ie. Gold Super Top up, Diamond Super Top Up and Platinum Super Top Up) are available on aggregate claims deductible basis. ... Flex Plan can be opted on per claims deductible basis or on aggregate claims deductible basis.","sources":[{"clause":null,"heading":"Optional Coverage Other Features","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-optional-coverage-other-features-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"cross-checked","value":"Up to a Single Standard Private AC Room; a higher room category leads to proportionate deduction of associated expenses (except medicines and consumables).","display":"Up to Single Standard Private AC Room","note":"Same in all plans. Proportionate deduction does not apply in hospitals without differential billing by room.","quote":"Insured Person is eligible for Room Rent category of up to Single Standard Private AC Room. In case of admission to a room exceeding the aforesaid category, the reimbursement/ payment of Room Rent charges including all Associated Medical Expenses incurred at Hospital shall be affected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent charges except for the cost of medicines and consumables.","sources":[{"clause":"1.1","heading":"In-Patient Hospitalization","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-1-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"cross-checked","value":"No co-payment on the fixed plans; Flex Plan can carry 0%, 5% or 10%. With the Network Hospital Discount, 20% co-payment applies in non-network hospitals.","display":"0% (Flex Plan: 0%, 5% or 10%)","note":"The 20% non-network co-payment applies only if the Network Hospital Discount (10% premium discount, a Flex Plan section) is chosen, and not for accidental hospitalisation or capped ailments.","quote":"5 | Co-Payment | 0% | 0% | 0% | 0% | 0%, 5%, 10% ... In case, You are hospitalized in any of the non-network hospital, then You shall bear a co-payment of 20% on each and every admissible claim under Section 1. ... ii) Co-payment will not be applicable in case of an accidental hospitalization and on capped ailments. ... If You have opted for this Cover, You will be eligible for premium discount of 10%","sources":[{"clause":"Row 5","heading":"Co-Payment","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-row-5-3"},{"clause":"Section 8","heading":"NETWORK HOSPITAL DISCOUNT","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-section-8"}],"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":"cross-checked","value":"Yes, at network hospitals only, through the insurer's Service Provider / TPA.","display":"Yes, at network hospitals","note":"Reimbursement is available at any hospital in India.","quote":"Cashless Facility can be availed from our network hospitals only. This is facilitated by our Service Provider / Third Party Administrator (TPA) and we would make a direct payment to the Network Hospital to the extent of Our Liability","sources":[{"clause":null,"heading":"23. Claims Notification and Procedure","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-23-claims-notification-and-procedure"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"The insurer's Service Provider / Third Party Administrator (TPA) processes cashless and reimbursement claims.","display":"Service Provider / TPA","note":"The TPA is not named.","quote":"This is facilitated by our Service Provider / Third Party Administrator (TPA) ... submit the documents to Service Provider / Third Party Administrator (TPA) for processing the reimbursement of the claim amount","sources":[{"clause":null,"heading":"23. Claims Notification and Procedure","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-23-claims-notification-and-procedure"},{"clause":"2(g)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36#c-2-g"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Floater covers self, spouse, children and grandchildren; premium based on the eldest member.","quote":"1. Both Individual and Floater Options are available ... b) Self, Spouse, Children & Grand Children can be covered under floater option. Member with the highest age will considered for calculating Premium in floater option.","sources":[{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37#c-8"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Top Up Policy - GODHLIP24056V012324","pages":44,"fetched_at":"2026-10-16 06:29:30.330072+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-digit-top-up-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/36"},{"kind":"prospectus","label":"Prospectus - Digit Top Up Policy - GODHLIP24056V012324","pages":29,"fetched_at":"2026-10-16 06:29:30.330072+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-digit-top-up-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/37"},{"kind":"cis","label":"CIS - Digit Top Up Policy - GODHLIP24056V012324","pages":4,"fetched_at":"2026-10-16 06:29:30.330072+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-top-up-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324/document/38"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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 Top Up Policy (UIN GODHLIP24056V012324), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-top-up-policy-godhlip24056v012324"}