{"uin":"GODHLIP26044V022526","name":"Digit Life Healthy Glow Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Life Healthy Glow Policy is a combi product that bundles the Digit Health Insurance Policy (indemnity health cover from Go Digit General Insurance, eight plans, sum insured Rs 2,00,000 to Rs 3,00,00,000) with Digit Glow Term Life Insurance from Go Digit Life Insurance. The health cover has no room rent limit except in the Even Protect Plan, a 100% sum insured back-up, waiting periods of 7 or 30 days, 2 years for listed illnesses and 3 years for pre-existing diseases (1 year each in the Early Start Plan), and 25 optional covers.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:32.155879+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":["Double Wallet Plan","Infinity Wallet Plan","Carry Forward Sum Insured Plan","Worldwide Treatment Plan","Early Start Plan","Senior Priority Plan","Even Protect Plan","BharatX"],"display":"Double Wallet, Infinity Wallet, Carry Forward Sum Insured, Worldwide Treatment, Early Start, Senior Priority, Even Protect and BharatX plans","note":"Plans of the health component (Digit Health Insurance Policy). The combi product also includes a separate term life policy, Digit Glow Term Life Insurance. Plan chart header in the wording is broken across lines; full plan names taken from the prospectus rate chart.","quote":"Double Wallet Plan | Infinity Wallet Plan ... Early Start Plan | Senior Priority Plan | Even Protect Plan | BharatX ... Carry Forward Sum Insured Plan ... Worldwide Treatment Plan ... Apart from above mentioned plans, insured will have an option to choose a modular plan called BharatX. In this plan customer can pick and choose any of the coverages available in the product.","sources":[{"clause":"Annexure C","heading":null,"page":62,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-annexure-c-2"},{"clause":null,"heading":"Rate Chart of Base Coverage (Excluding GST)","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-rate-chart-of-base-coverage-excluding-gst"},{"clause":null,"heading":"OPTIONAL COVERAGES OTHER FEATURES","page":66,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-optional-coverages-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":"The health policy can be bought for 1, 2, 3, 4 or 5 years.","display":"1 to 5 years","note":"Health component. The life component (Digit Glow Term Life Insurance) has a policy term of 1 to 40 years depending on premium option (prospectus).","quote":"The Policy Period Options are 1 Year, 2 Years, 3 Years, 4 Years and 5 Years.","sources":[{"clause":null,"heading":"What is the minimum and maximum policy period available under this policy?","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-what-is-the-minimum-and-maximum-policy-period-av"}],"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 can be condoned where the reason is proved to the insurer's satisfaction. Life component claims should be intimated within 90 days of the insured event.","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":"1","heading":null,"page":53,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-23"},{"clause":"2(g)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-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":"cross-checked","value":["Duly Filled and Signed Claim form","Discharge Summary","Medical Records","Original Hospital Main Bill","Original Hospital Bill Break Up","Original payment receipt","Original Pharmacy Bills","Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital","Consultation Papers","Investigation Reports","Digital Images/CDs of the Investigation Procedures (if required)","MLC/FIR Report (If applicable)","Post Mortem Report (If applicable)","Death Certificate (If applicable)","KYC (Photo ID card) (If applicable)","Address Proof","Bank Details with Cancelled Cheque"],"display":"Claim form, discharge summary, medical records, original bills and receipts, prescriptions, investigation reports, KYC, address proof and cancelled cheque","note":"Hospitalisation claim list; other items apply if relevant (invoice/sticker, disability certificate, attending physician certificate, ante-natal record, birth discharge summary). Personal accident claims also need burial certificate, FIR/panchnama and viscera report where applicable.","quote":"Duly Filled and Signed Claim form ... 2 | Discharge Summary | √ | ×\n3 | Medical Records (Optional Documents may be asked on need basis: Indoor case papers, OT notes, PAC notes etc.) | √ | ×\n4 | Original Hospital Main Bill | √ | ×\n5 | Original Hospital Bill Break Up | √ | ×\n6 | Original payment receipt\n7 | Original Pharmacy Bills | √ | ×\n8 | Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital | √ | ×\n9 | Consultation Papers | √ | ×\n10 | Investigation Reports | √ | ×\n11 | Digital Images/CDs of the Investigation Procedures (if required) | √ | ×\n12 | MLC/FIR Report (If applicable) ... 14 | Post Mortem Report (If applicable) ... 19 | Death Certificate (If applicable) ... 24 | *KYC (Photo ID card) (If applicable) | √ | √\n25 | Address Proof\n26 | Bank Details with Cancelled Cheque","sources":[{"clause":"Row 1","heading":"Duly Filled and Signed Claim form","page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-1-2"},{"clause":"Row 2","heading":"Discharge Summary","page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-2-2"}],"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 insurer settles or rejects a claim within 15 days from submission of the claim; if late, interest at bank rate plus 2 percent is paid from the date of intimation.","display":"15 days from submission of claim","note":"CIS: cashless pre-authorisation within 1 hour of request and final bill authorisation within 3 hours of the discharge request. Life component: 7 working days from the last document.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim ... 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":51,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-12-a"},{"clause":"12(b)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#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":"cross-checked","value":["Pre-Existing Diseases (Excl01) until the waiting period ends","Specified disease/procedure waiting period (Excl02)","Initial Waiting Period (Excl03)","Investigation & Evaluation (Excl04)","Obesity/ Weight Control (Excl06)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Substance Abuse (Excl12)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl18)","Suicide and Self-Injury","Non-Medical Expenses","War and hazardous substances","Dental Treatment unless requiring Hospitalisation due to Accident"],"display":"Waiting-period exclusions (Excl01 to Excl03), standard IRDAI exclusions such as cosmetic surgery, substance abuse, infertility and maternity, plus own exclusions such as self-injury, non-medical expenses, war and dental treatment","note":"Maternity, infertility, non-medical expenses and dental exclusions are lifted to the extent of Section 4 / optional covers if opted.","quote":"Pre-Existing Diseases - Code- Excl01 ... Specified disease/procedure waiting period- Code- Excl02 ... Initial Waiting Period- Code- Excl03 ... Investigation & Evaluation- Code- Excl04 ... Obesity/ Weight Control: Code- Excl06 ... Cosmetic or plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Substance Abuse – Code- Excl12 ... Unproven Treatments: Code- Excl16 ... Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... 20. Suicide and Self-Injury ... 25. Non-Medical Expenses ... 29. War and hazardous substances ... Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and Gingiva, unless requiring Hospitalisation due to Accident.","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code- Excl01","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-20"},{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-9"},{"clause":"3","heading":"Initial Waiting Period- Code- Excl03","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-3-8"},{"clause":"4","heading":"Investigation & Evaluation- Code- Excl04","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-4-7"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-6-6"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-8-6"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-9-5"},{"clause":"12","heading":"Substance Abuse – Code- Excl12","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-12-4"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-16-4"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-17-3"},{"clause":"18","heading":"Maternity: Code Excl18","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-18-3"},{"clause":null,"heading":"20. Suicide and Self-Injury","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-20-suicide-and-self-injury"},{"clause":null,"heading":"25. Non-Medical Expenses","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-25-non-medical-expenses"},{"clause":null,"heading":"29. War and hazardous substances","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-29-war-and-hazardous-substances"},{"clause":null,"heading":"36. Dental Treatment","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-36-dental-treatment"}],"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 or IRDAI's Bima Bharosa.","display":"Digit (1-800-258-4242, hello@godigit.com), then grievance officer at grievance@godigit.com, then Ombudsman","note":"Health component. Senior citizens: seniors@godigit.com. Life component grievances go to Digit Life (life@godigit.com, then Chief Grievance Redressal Officer at lifegro@godigit.com).","quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com Insured person may also approach the grievance cell at any of the company's branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com","sources":[{"clause":"17","heading":"Customer Grievance Redressal Policy","page":52,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#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 2,00,000 to Rs 3,00,00,000.","display":"Rs 2,00,000 to Rs 3,00,00,000","note":"In-built personal accident sum insured Rs 50,000 to Rs 1,00,000; maternity wallet Rs 15,000 to Rs 1,00,000.","quote":"Section 1 - Hospitalization Cover | 2,00,000 | 3,00,00,000 ... Base Sum Insured Options | Upto INR 3 Crores","sources":[{"clause":null,"heading":"What are the Sum Insured options under this Policy?","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-what-are-the-sum-insured-options-under-this-poli"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"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 (7 days in some plans)","note":"Excl03 states 30 days, but the plan chart in the same wording shows 7 days for Double Wallet, Infinity Wallet, Carry Forward Sum Insured and Worldwide Treatment plans and 30 days for Early Start, Senior Priority and Even Protect (BharatX 7 or 30). Prospectus lists options of 7, 15 or 30 days. Not applicable after more than 12 months of continuous coverage; accidents covered.","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 ... However, such waiting Period can be reduced to number of days as opted by you and mentioned in your policy schedule. ... 3 | Initial Waiting Period | 7 days | 7 days | 7 days | 7 days | 30 days | 30 days | 30 days | 7 days/ 30 days","sources":[{"clause":"3","heading":"Initial Waiting Period- Code- Excl03","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-3-8"},{"clause":null,"heading":"OPTIONAL COVERAGES OTHER FEATURES","page":66,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-optional-coverages-other-features-2"}],"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":"1 year in the Early Start Plan (BharatX 3 years or 1 year). Prospectus lists options of 0, 3, 6, 9 months, 1, 2 or 3 years, modifiable by Optional Cover 3; Fast Track optional cover covers listed chronic conditions after 30 days or from day one.","quote":"4 | Pre-existing Waiting Period | 3 years | 3 years | 3 years | 3 years | 1 year | 3 years | 3 years | 3 years/ 1 year","sources":[{"clause":null,"heading":"OPTIONAL COVERAGES OTHER FEATURES","page":66,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-optional-coverages-other-features-2"}],"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":"1 year in the Early Start Plan (BharatX 2 years or 1 year). Prospectus lists options of 0, 3, 6, 9 months, 1 or 2 years. Not applicable to accidents.","quote":"5 | Specific Disease Waiting Period | 2 years | 2 years | 2 years | 2 years | 1 year | 2 years | 2 years | 2 years/ 1 year","sources":[{"clause":null,"heading":"OPTIONAL COVERAGES OTHER FEATURES","page":66,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-optional-coverages-other-features-2"}],"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, Sinusitis, Tonsillitis, Adenoid hypertrophy, Nasal septum deviation, Turbinate hypertrophy, Nasal polyp","All internal and external benign or In Situ Neoplasms/Tumours, Cyst, Sinus, Polyp, Nodules, Swelling, Mass or Lump including breast lumps","Internal Congenital Anomaly (not applicable for new-born baby)","Psychiatric illness and Disorders (ICD F20-F29, F30-F39, F40-F48, F99)","Neurodegenerative disorders including Alzheimer’s disease and Parkinson's disease","Joint Replacement, Bariatric Surgery and Organ Transplant"],"display":"Arthritis and spine disorders, gall/kidney stones and ulcers, cataract, prostate, uterine conditions, piles and fistula, hernia, varicose veins, ENT conditions, benign growths, internal congenital anomaly, listed psychiatric disorders, neurodegenerative disorders, joint replacement, bariatric surgery and organ transplant","note":"Joint replacement, bariatric surgery and organ transplant carry a waiting period as opted and shown in the schedule. Item ix also covers otitis media, cholesteatoma, perforation of tympanic membrane, mastoiditis and nasal concha bullosa. The waiting period is 2 years in most plans and 1 year in the Early Start Plan; it does not apply to accidents.","quote":"i) 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) ... ii) Pancreatitis, calculus disease of gall bladder/biliary tract and urogenital system, Gastric & Duodenal erosions/ulcers, Varices of GI tract, Cirrhosis of Liver, Rectal prolapse. ... iii) Cataract, Glaucoma and Disorder of retina ... iv) Hyperplasia of Prostate, Urethral strictures, Hydrocele/Varicocele and spermatocele ... v) All Abnormal Utero-vaginal bleeding, female genital Prolapse, Endometriosis/Adenomyosis, Fibroids, Ovarian Cyst, Pelvic Inflammatory disease ... vi) Haemorrhoids, Fissure, Fistula and pilonidal sinus/cyst and fistula. ... vii) Hernia of all sites, ... viii) Varicose veins of lower extremities, ... ix) 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, ... x) 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), ... xi) Internal Congenital Anomaly (not applicable for new-born baby), ... xii) Psychiatric illness and Disorders listed below: ... F20-F29 | Schizophrenia, schizotypal and delusional disorders\nF30-F39 | Mood [affective] disorders\nF40-F48 | Neurotic, stress-related and somatoform disorders\nF99-F99 | Unspecified mental disorder ... xiii) Neurodegenerative disorders including but not limited to Alzheimer’s disease and Parkinson’s disease ... xiv) Joint Replacement, Bariatric Surgery and Organ Transplant","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-9"}],"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, sixty months run from the date of enhancement on the enhanced limits only.","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":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-7-7"}],"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. The policyholder can port to another insurer and transfer credits for sum insured, No Claim Bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Yes, with credit for waiting periods","note":"Migration to another Digit policy with the same credits is also allowed.","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":51,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-15-a"},{"clause":"15(d)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#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":"Wording says the policy 'shall ordinarily be renewable provided the product is not withdrawn' and the prospectus sets no maximum entry age for the proposer, but no document states lifelong renewal or a maximum renewal age.","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":"cross-checked","value":"No. No loading applies at renewal based on individual claims experience, and renewal cannot be denied because of past claims.","display":"No loading for claims","note":"Premium rates may be revised for the product with IRDAI approval.","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":51,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-14-5"}],"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 (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/ Weight Control (Excl06)","Change-of-Gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Substance Abuse (Excl12)","Domestic Treatment (Excl13)","Non-prescribed Medicine (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (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","Specific Treatments (Predictive Genome testing)","Dental Treatment","Organ Donor","Weight loss Surgery","Charges to procure documents related to treatment","Hormone replacement therapy","Loss from actual or attempted commission of an illegal act"],"display":"Standard exclusions Excl04 to Excl18 plus the policy's own exclusions (life support in vegetative state, self-injury, aesthetic treatment, external congenital anomaly, defence operations, non-medical items, war, dental, hormone replacement and others)","note":"Several are lifted to the extent of an optional cover if opted (Consumables Cover, Infertility Treatment Cover, Out-Patient Benefit Cover, Medical Equipment Cover, Section 4 maternity). Items 32 to 38 are listed under 'Specific ones (can't be waived)'. Exclusion 23 (Geographical Limits) restricts cover to India unless the plan extends it.","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 ... 19. Artificial Life Maintenance ... 20. Suicide and Self-Injury ... 21. Circumcision, Aesthetic reasons ... 22. External Congenital Anomaly ... 24. Defence Operation ... 25. Non-Medical Expenses ... 26. Preventive Treatment ... 27. Spectacles, Hearing aids & other Expenses ... 28. Unjustified or Unwarranted Hospitalization ... 29. War and hazardous substances ... 30. Legal Liability ... 31. Substance abuse and Addictions by the Insured ... 32. Ear, Eyesight & Optical Services ... 33. Prosthetics and other devices ... 34. Specific Treatments ... a) Predictive Genome testing ... 36. Dental Treatment ... 37. Organ Donor ... 38. Weight loss Surgery ... 39. Any charges incurred to procure documents related to treatment or illness pertaining to any period of Hospitalization or Illness.\n40. Hormone replacement therapy.\n41. 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":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-4-7"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-5-6"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-6-6"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl07","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-7-6"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-8-6"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-9-5"},{"clause":"10","heading":"Breach of law: Code- Excl10","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-10-5"},{"clause":"11","heading":"Excluded Providers: Code- Excl11","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-11-4"},{"clause":"12","heading":"Substance Abuse – Code- Excl12","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-12-4"},{"clause":"13","heading":"Domestic Treatment- Code- Excl13","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-13-4"},{"clause":"14","heading":"Non-prescribed Medicine – Code- Excl14","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-14-4"},{"clause":"15","heading":"Refractive Error: Code- Excl15","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-15-4"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-16-4"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-17-3"},{"clause":"18","heading":"Maternity: Code Excl18","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-18-3"},{"clause":null,"heading":"19. Artificial Life Maintenance","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-19-artificial-life-maintenance"},{"clause":null,"heading":"20. Suicide and Self-Injury","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-20-suicide-and-self-injury"},{"clause":null,"heading":"21. Circumcision, Aesthetic reasons","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-21-circumcision-aesthetic-reasons"},{"clause":null,"heading":"22. External Congenital Anomaly","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-22-external-congenital-anomaly"},{"clause":null,"heading":"24. Defence Operation","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-24-defence-operation"},{"clause":null,"heading":"25. Non-Medical Expenses","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-25-non-medical-expenses"},{"clause":null,"heading":"26. Preventive Treatment","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-26-preventive-treatment"},{"clause":null,"heading":"27. Spectacles, Hearing aids & other Expenses","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-27-spectacles-hearing-aids-other-expenses"},{"clause":null,"heading":"28. Unjustified or Unwarranted Hospitalization","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-28-unjustified-or-unwarranted-hospitalization"},{"clause":null,"heading":"29. War and hazardous substances","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-29-war-and-hazardous-substances"},{"clause":null,"heading":"30. Legal Liability","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-30-legal-liability"},{"clause":null,"heading":"31. Substance abuse and Addictions by the Insured","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-31-substance-abuse-and-addictions-by-the-insured"},{"clause":null,"heading":"32. Ear, Eyesight & Optical Services","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-32-ear-eyesight-optical-services"},{"clause":null,"heading":"33. Prosthetics and other devices","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-33-prosthetics-and-other-devices"},{"clause":null,"heading":"34. Specific Treatments","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-34-specific-treatments"},{"clause":"2(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-a"},{"clause":null,"heading":"36. Dental Treatment","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-36-dental-treatment"},{"clause":null,"heading":"37. Organ Donor","page":48,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-37-organ-donor"},{"clause":null,"heading":"38. Weight loss Surgery","page":48,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#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 at 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 multi-year policies, premium for policy years whose risk has not commenced is refunded.","display":"Proportionate refund if no claim (1-year policy); unexpired years refunded (multi-year)","note":"Wording does not state a refund for a one-year policy with a claim. The combi product lets you continue either the health or life part and discontinue the other.","quote":"You may cancel your policy at any time during the term, by giving 7 days notice to us in writing. We shall ... a) 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. ... b) 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":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-8-7"}],"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. Plans with Worldwide Coverage (Worldwide Treatment Plan) also pay for treatment abroad if the illness is diagnosed in India and you travel only for treatment.","display":"India; worldwide in the Worldwide Treatment Plan","note":"Worldwide claims are on reimbursement basis (cashless case by case), need prior approval and cover in-patient, day care and organ donor only. Air ambulance and sum insured back-up are India only.","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. ... Medical expenses under this cover will be payable if diagnosis is made in India and insured travels outside India only for the purpose of treatment. ... V | Worldwide Coverage | Not Applicable | Not Applicable | Not Applicable | Upto Base Sum Insured | Not Applicable | Not Applicable | Not Applicable | Upto Base Sum Insured/ Not Applicable","sources":[{"clause":null,"heading":"23. Geographical Limits","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-23-geographical-limits"},{"clause":"2","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-4"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"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, or less proportionate risk premium. The free look applies to the combi product as a whole; the life component also has 30 days. CIS says 30 days 'from the beginning of the policy'.","quote":"The insured person shall be allowed free look period of thirty (30) from date of receipt of the policy document, whether received electronically or otherwise ... he/ she has the option to return the policy within this 30 days period to the insurer for cancellation.","sources":[{"clause":"9","heading":"Free Look Period","page":50,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-9-6"}],"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 (15 days for monthly instalments)","note":"15 days where premium is paid monthly. Prospectus renewal section also says 'Grace Period of 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":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-4-8"}],"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":"Proposer from 18 years with no maximum age; children from 91 days.","display":"18 years (children 91 days) to no upper limit","note":"Health component, from the prospectus. The life component (Digit Glow Term Life Insurance) has entry ages 18 to 65 years.","quote":"Hospitalization Cover | Proposer | 18yrs | No Limit\nChild* | 91days | No Limit\nThere is no maximum limit on proposer age.","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#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":"A non-instalment payment is implied (long-term discount 'shall not be applicable in case of instalment premium') but an annual mode is not named for the health component. Life component: single, annual, half-yearly, quarterly or monthly.","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":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-4-8"}],"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","Network Hospital Discount","Pre-existing Disease/Specific Disease/Initial Waiting Period Modification","Sum Insured Multiplier","Health Check-up cover from Day One","Advance Care","Support Plus","Advance Heart Ambulance","Maternity & Newborn Baby Cover","Infertility Treatment Cover","Daily Hospital Cash Cover","Daily Cash for accompanying an insured child","Loss of Income Cover","Long Hospitalization Cash Benefit Cover","Out-Patient Benefit Cover","Second Medical Opinion","Smart Save","Fast track","Cumulative Bonus Protection Cover","Infinite Cumulative Bonus","Room Rent Modification Cover","NRI Benefit","Policy Tenure Multiplier","Premium Refund","Medical Equipment Cover"],"display":"Consumables, network hospital discount, waiting period modification, sum insured multiplier, day-one health check-up, advance care, maternity and newborn, infertility, hospital cash, OPD, room rent modification, NRI benefit, premium refund, medical equipment and others","note":"Availability varies by plan (for example Sum Insured Multiplier, Cumulative Bonus Protection and Infinite Cumulative Bonus are not available in the Carry Forward Sum Insured Plan; Maternity & New Born Baby Cover not available in Early Start and Senior Priority plans). A voluntary deductible of Rs 2,500 to 50,000 can also be chosen for a discount.","quote":"1 | Consumables Cover | Section 1 - Hospitalization Cover ... 2 | Network Hospital Discount | Section 1 - Hospitalization Cover\n3 | Pre-existing Disease/Specific Disease/Initial Waiting Period Modification ... 4 | Sum Insured Multiplier | Section 1 - Hospitalization Cover\n5 | Health Check-up cover from Day One\n6 | Advance Care | Section 1 - Hospitalization Cover\n7 | Support Plus | Section 1 - Hospitalization Cover\n8 | Advance Heart Ambulance | Section 1 - Hospitalization Cover\n9 | Maternity & Newborn Baby Cover\n10 | Infertility Treatment Cover | Section 1 - Hospitalization Cover\n11 | Daily Hospital Cash Cover | Section 1 - Hospitalization Cover\n12 | Daily Cash for accompanying an insured child | Section 1 - Hospitalization Cover\n13 | Loss of Income Cover | Section 1 - Hospitalization Cover\n14 | Long Hospitalization Cash Benefit Cover | Section 1 - Hospitalization Cover\n15 | Out-Patient Benefit Cover\n16 | Second Medical Opinion | Section 1 - Hospitalization Cover\n17 | Smart Save | Section 1 - Hospitalization Cover\n18 | Fast track | Section 1 - Hospitalization Cover\n19 | Cumulative Bonus Protection Cover | Section 1 - Hospitalization Cover\n20 | Infinite Cumulative Bonus | Section 1 - Hospitalization Cover\n21 | Room Rent Modification Cover | Section 1 - Hospitalization Cover\n22 | NRI Benefit\n23 | Policy Tenure Multiplier\n24 | Premium Refund\n25 | Medical Equipment Cover","sources":[{"clause":"Row 1","heading":"Consumables Cover","page":22,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-1"},{"clause":"Row 2","heading":"Network Hospital Discount","page":22,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-2"}],"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":"For instalment premiums, the wording says cover is available during the grace period from the instalment due date until the premium is received.","display":"Covered during grace period (instalment premiums), per wording","note":"Prospectus says: '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.' For renewal premiums the prospectus says 'Coverage is not available during the grace period' and the wording definition says coverage 'need not be available' for the period with no premium.","quote":"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. ... 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":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-4-8"},{"clause":"2","heading":null,"page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-2-8"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"No room rent limit in the base plans; the Even Protect Plan limits the room to a Single Private AC Room.","display":"No restriction on room rent (Even Protect Plan: Single Private AC Room)","note":"BharatX: no restriction or Single Private AC Room. Optional Room Rent Modification Cover lets you accept a lower limit (all rooms except suite, single private AC room, shared, shared up to INR 5000, 1% of SI, general ward) for a lower premium.","quote":"i | Inpatient Hospitalizati on Cover | No Restriction on Room Rent | No Restriction on Room Rent | No Restriction on Room Rent | No Restriction on Room Rent | No Restriction on Room Rent | No Restriction on Room Rent | Single Private AC Room | No Restriction on Room Rent/ Single Private AC Room ... Under Section 1.1 In-Patient Hospitalisation, there is no restriction on accommodation/ room rent which can in a ward, shared or private room.","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"},{"clause":null,"heading":"21) Optional Cover 21: Room Rent Modification Cover","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-21-optional-cover-21-room-rent-modification-cove"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Any room in most plans; Single Private AC Room in the Even Protect Plan.","display":"Any room (Even Protect Plan: Single Private AC Room)","note":"Room Rent Modification Cover (optional) can restrict the room category in return for a premium reduction.","quote":"No Restriction on Room Rent | No Restriction on Room Rent | Single Private AC Room | No Restriction on Room Rent/ Single Private AC Room ... Under Section 1.1 In-Patient Hospitalisation, there is no restriction on accommodation/ room rent which can in a ward, shared or private room.","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"},{"clause":null,"heading":"21) Optional Cover 21: Room Rent Modification Cover","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-21-optional-cover-21-room-rent-modification-cove"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"No separate ICU limit; ICU charges are paid within the Section 1 sum insured.","display":"No separate limit (up to sum insured)","note":"Under the optional Room Rent Modification Cover, option 6 limits ICU to 2% of SI; other options leave ICU unrestricted.","quote":"We will pay You all Reasonable and Customary Charges that are Medically Necessary and Incurred by You in respect of an admissible claim upto the Sum Insured as mentioned in Your Policy Schedule and as per plan opted by You. ... ICU | Intensive Care Unit when you require continuous monitoring or life support","sources":[{"clause":"1.1","heading":"In-Patient Hospitalization","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Not under the base plans, which have no room rent limit. If the optional Room Rent Modification Cover is chosen and a higher room is taken, associated medical expenses are reduced in proportion (not ICU charges, pharmacy, consumables, implants or diagnostics).","display":"Only with the optional Room Rent Modification Cover","note":"The wording does not say what happens if a room above the Single Private AC Room limit of the Even Protect Plan is taken.","quote":"Under Section 1.1 In-Patient Hospitalisation, there is no restriction on accommodation/ room rent ... If the Insured Person is admitted in a higher room category (S. No 1 is highest room category while S. No 7 is lowest in the above table) than the one opted and specified in the Policy Schedule, then the Insured Person shall bear a rateable proportion of the total Associated medical expenses ... b) Proportionate deductions are not applicable for ICU charges.","sources":[{"clause":null,"heading":"21) Optional Cover 21: Room Rent Modification Cover","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-21-optional-cover-21-room-rent-modification-cove"},{"clause":"Row 7(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-7-i"},{"clause":"Row 7(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-7-b"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"No general co-payment. A 10% co-pay applies if address proof does not validate the pricing zone and hospitalisation is in a higher zone (not for accidents).","display":"None; 10% zone co-pay if treated in a higher zone without address proof","note":"Optional Network Hospital Discount: 20% (Silver PPN) or 15% (Standard PPN) co-pay in non-PPN hospitals, or no payment (Gold PPN), except accidents and life-threatening cases. Optional OPD cover has its own co-pay basis.","quote":"Hospitalization Cover | Yes | 2500 | 50,000 | NA | NA | NA ... In the absence of Address proof provided which validates the pricing zone opted, and if the place of hospitalization belongs to Higher Zone Category – then Co-pay of 10% would be applicable on admissible claim amount. ... Zone based Co-Pay, as mentioned above, will not be applicable in case of Accidental Injury.","sources":[{"clause":"Section 1","heading":"Hospitalization Cover | Yes | 2500 | 50,000 | NA | NA | NA","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-section-1-4"},{"clause":null,"heading":"18. Zone wise Classification","page":52,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-18-zone-wise-classification"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional deductible is chosen; a deductible of Rs 2,500 to Rs 50,000 per claim can be opted for a premium discount.","display":"None unless opted (Rs 2,500 to 50,000)","note":"Applies per claim under Sections 1, 2, 3 and 5 if opted.","quote":"Hospitalization Cover | Yes | 2500 | 50,000 ... Small Fixed Deductible Discount: Discounts will be offered on the Policy premium basis the deductible opted by the proposer. ... The deductible shall be applicable on each claim under section 1,2,3 and 5.","sources":[{"clause":"Section 1","heading":"Hospitalization Cover | Yes | 2500 | 50,000 | NA | NA | NA","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-section-1-4"},{"clause":"10","heading":"Small Fixed Deductible Discount","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-10-3"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["New age treatments (robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy and others): up to 50% of Sum Insured","Cochlear Implant: 50% of Sum Insured","Hyaluronic acid, Remicade, intra-articular/intra thecal or cortico-steroid injections: 5% of Sum Insured"],"display":"50% of SI for new age treatments and cochlear implant; 5% of SI for listed injections","note":"Advance Care optional cover raises the new age treatment limit to 100% of SI. Optional Smart Save applies caps on cataract, knee replacement, angiography, angioplasty, hernia, CABG, hysterectomy, kidney stone, oral chemotherapy and hip replacement for a discount. Road ambulance (1% of SI) and organ donor pre/post hospitalisation (5% of harvesting claim) limits are given under ambulance and organ_donor.","quote":"Our Maximum Liability in respect of the following procedures or new age treatments will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured opted under Section 1. Hospitalization Cover ... Our Maximum Liability in respect of Cochlear Implant Procedure will be restricted to 50% of the Sum Insured ... We will not pay for expenses related to administration of below medications or procedures in excess of 5% of Sum Insured opted under Section 1. Hospitalization Cover:\na) Hyaluronic acid, Remicade or similar medications\nb) Intra-articular/intra thecal or cortico-steroid injections.","sources":[{"clause":null,"heading":"35. New Age Treatment","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-35-new-age-treatment"},{"clause":null,"heading":"32. Ear, Eyesight & Optical Services","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-32-ear-eyesight-optical-services"},{"clause":"1","heading":null,"page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-21"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (up to 120 days by plan)","note":"Double Wallet, Early Start, Senior Priority: 30 days; Infinity Wallet, Worldwide Treatment, Even Protect: 60 days; Carry Forward Sum Insured: 90 days; BharatX: 30/60/90/120 days.","quote":"iii | Pre- Hospitalizati on | 30 days | 60 days | 90 days | 60 days | 30 days | 30 days | 60 days | 30days/60 days/ 90 days/120 days**","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days (up to 180 days by plan)","note":"Double Wallet, Early Start, Senior Priority: 60 days; Even Protect: 90 days; Infinity Wallet, Carry Forward Sum Insured, Worldwide Treatment: 180 days; BharatX: 60/90/120/180 days.","quote":"iv | Post Hospitalizati on | 60 days | 180 days | 180 days | 180 days | 60 days | 60 days | 90 days | 60 days/ 90 days/ 120 days/ 180 days","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"Covered up to the sum insured for treatment needing less than 24 hours under anaesthesia due to technological advancement; no list is given. Out-patient treatment is not included.","display":"Covered up to sum insured","note":null,"quote":"need to undergo medical treatment and/or surgical procedure as an inpatient under General or Local Anaesthesia in a hospital/day care centre for stay less than 24 hrs because of technological advancement, We will pay the Medial Expenses Incurred for such Day Care Procedures ... ii | Day Care Procedures | Upto Sum Insured","sources":[{"clause":"1.2","heading":"Day Care Procedures","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-2-2"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Covered up to the Section 1 sum insured when the patient cannot be moved to hospital or no hospital room is available, and the condition lasts at least 3 days. Asthma, bronchitis, diabetes, hypertension, influenza and other listed conditions are excluded.","display":"Covered (at least 3 days, listed conditions excluded)","note":null,"quote":"a) The condition of the patient is such that she/he is not in a condition to be moved to a Hospital or ... b) The patient takes treatment at home on account of non-availability of room in a Hospital, and ... c) The condition for which the medical treatment is required continues for at least 3 days ... No Payment will be made if the condition for which You require medical treatment is due to:\nAsthma, Bronchitis, Tonsillitis, Upper Respiratory Tract Infection including Laryngitis and Pharyngitis, Cough and Cold, Influenza, Arthritis, Gout and Rheumatism, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastroenteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension ... ix | Home (Domiciliary) Expenses | Upto Sum Insured","sources":[{"clause":"1.9(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-9-a"},{"clause":"1.9(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-9-b"},{"clause":"1.9(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-9-c"},{"clause":"1.9(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-9-d"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient treatment under Ayurveda, Unani, Siddha or Homeopathy in an AYUSH hospital is covered up to the sum insured; out-patient and preventive/rejuvenation treatments are excluded.","display":"Covered up to sum insured (in-patient)","note":"Payable only if the AYUSH hospital/day care centre holds NABH pre-entry level or NQAS state level (or higher) certification.","quote":"We will pay the Medical Expenses for Your In-patient Treatment, taken under Ayurveda, Unani, Siddha or Homeopathy. This is paid provided that treatment has been undergone in an Ayush Hospital. ... x | Ayush Hospitalizati on | Upto Sum Insured","sources":[{"clause":"1.10","heading":"Ayush Hospitalization","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-10"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered as in-patient or day care up to 50% of the Section 1 sum insured for listed procedures including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy.","display":"Up to 50% of sum insured (100% with Advance Care)","note":"Optional Cover 6 Advance Care raises the limit to 100% of sum insured.","quote":"Our Maximum Liability in respect of the following procedures or new age treatments will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured opted under Section 1. Hospitalization Cover:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy – Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries ... L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. On opting Optional cover 6- Advance Care, this exclusion shall be deleted. ... our maximum liability in respect of the following procedures or new age treatments will be up to 100% of the sum insured","sources":[{"clause":null,"heading":"35. New Age Treatment","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-35-new-age-treatment"},{"clause":"2(I)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-i-2"},{"clause":"6","heading":"Optional Cover 6: Advance Care","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-6-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. Harvesting costs of the donated organ are paid up to the sum insured as per plan, and the donor's pre and post hospitalisation expenses up to 5% of the approved harvesting claim. Not available in the Senior Priority Plan.","display":"Covered up to sum insured; donor pre/post up to 5% of harvesting claim","note":"Subject to the specific waiting period. Other treatment of the donor after harvesting is not paid.","quote":"For the harvesting of the donated organ subject to plan opted and availability of the Sum Insured under Section ... c) We will pay the donor’s Pre and Post Hospitalization expenses. This is up to 5% of the claim amount approved in respect of harvesting expenses. ... II | Organ Donor Expenses | Upto Sum Insured | Upto Sum Insured | Upto Sum Insured | Upto Sum Insured | Upto Sum Insured | Not Applicable | Upto Sum Insured | Upto Sum Insured / NA","sources":[{"clause":"Section 2","heading":"ORGAN DONOR EXPENSES","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-section-2"},{"clause":"1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-12"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance in an emergency: 1% of sum insured, maximum INR 10,000 (INR 15,000 Infinity Wallet, INR 20,000 Carry Forward Sum Insured plan). Emergency air ambulance within India up to the sum insured in the Infinity Wallet, Carry Forward Sum Insured and Worldwide Treatment plans.","display":"Road: 1% of SI max INR 10,000 to 20,000 by plan; air ambulance in some plans","note":"Road ambulance only after an emergency with an admissible hospitalisation claim; includes transfer to another hospital. Air ambulance needs prior approval. Optional Advance Heart Ambulance cover available.","quote":"v | Road Ambulance | 1% of Sum Insured max upto INR 10,000 | 1% of Sum Insured max upto INR 15,000 | 1% of Sum Insured max upto INR 20,000 ... III | Emergency Air Ambulance | Not Applicable | Upto Sum Insured | Upto Sum Insured | Upto Sum Insured | Not Applicable | Not Applicable | Not Applicable | Upto Sum Insured / Not Applicable ... The Air ambulance services will be limited within India only and NOT overseas in any condition whatsoever.","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"},{"clause":null,"heading":"Conditions applicable to Emergency Air Ambulance","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-conditions-applicable-to-emergency-air-ambulance"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Sum Insured Back-up gives 100% of the sum insured again in a policy year, for related and unrelated illness; once a year in most plans, unlimited in the Infinity Wallet and Carry Forward Sum Insured plans, unrelated illness only in the Senior Priority Plan. It cannot be used for the same hospitalisation that exhausted the sum insured, and no single claim exceeds the sum insured.","display":"100% back-up, once a year (unlimited in some plans)","note":"Back-up can be used in India only. Floater policies: on floater basis.","quote":"We shall provide you 100% of the Sum Insured as a backup under Section 1. Hospitalization Cover for that particular Policy Year ... The maximum amount payable for any single claim will not exceed the Sum Insured mentioned under Section ... c) If the first claim amount exceeds the Sum Insured under Section 1. Hospitalization Cover, the backup Sum Insured will not be utilized for the same hospitalisation. ... VI | Sum Insured Back-up | Upto Sum Insured Once in a policy period - related and unrelated illness | Upto Sum Insured Unlimited Reinstate ment in a policy period - related and unrelated illness | Upto Sum Insured Unlimited Reinstate ment in a policy period - related and unrelated illness | Upto Sum Insured Once in a policy period - related and unrelated illness | Upto Sum Insured Once in a policy period - related and unrelated illness | Upto Sum Insured Once in a policy period - Unrelated illness","sources":[{"clause":"Section 6","heading":"SUM INSURED BACK UP","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-section-6"},{"clause":"1","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-15"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"Cumulative Bonus for each claim-free year: 10% of sum insured (Double Wallet, Early Start, Senior Priority), 50% (Infinity Wallet, Worldwide Treatment) or 20% (Even Protect), maximum 100%; or a No Claim Discount on renewal premium instead. After a claim the bonus reduces in the same way it was accrued.","display":"10% to 50% of SI per claim-free year by plan, max 100%; reduces after a claim","note":"Carry Forward Sum Insured Plan has no cumulative bonus (carries forward up to 100% of unused base SI instead). BharatX offers options from 5% up to 25% to 100% up to 600%. Optional Cumulative Bonus Protection and Infinite Cumulative Bonus covers available. Lost if not renewed within the grace period.","quote":"1 | Cumulative Bonus / No Claim Discount | 10% of sum insured per claim free year, Max upto 100%/ Discount on renewal premium | 50% of sum insured per claim free year, Max upto 100%/ Discount on renewal premium | Not Applicable / Discount on renewal premium | 50% of Sum Insured per claim free year, Max up to 100%/ Discount on renewal premium | 10% of sum insured per claim free year, Max upto 100%/ Discount on renewal premium | 10% of sum insured per claim free year, Max upto 100%/ Discount on renewal premium | 20% of sum insured per claim free year, Max upto 100%/ Discount on renewal premium ... In the event of a claim in the expiring policy period, the Cumulative Bonus will reduce in the same way as it was accrued in the policy at the time of renewal.","sources":[{"clause":"Row 1","heading":"Cumulative Bonus / No Claim Discount","page":65,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-row-1-9"},{"clause":"3","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-3-7"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered under the base cover; non-medical items listed in Annexure B are paid only if the optional Consumables Cover is bought.","display":"Not covered unless Consumables Cover is opted","note":"Consumables Cover pays up to a % of sum insured stated in the schedule and does not apply to worldwide treatment.","quote":"Expenses incurred on personal comfort during and related to hospitalisation as mentioned in Annexure B are covered only if the optional cover “Consumables Cover” is opted. ... Cost of consumables such as bandages, needles, cotton, etc. are not covered.","sources":[{"clause":null,"heading":"25. Non-Medical Expenses","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-25-non-medical-expenses"},{"clause":null,"heading":"This space needs your special attention!","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-this-space-needs-your-special-attention"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Only in the Early Start Plan (and in BharatX if chosen) through the Section 4 Maternity Benefit Wallet: INR 15,000 in the first year, rising by INR 10,000 each claim-free year up to INR 1,00,000, after a 9 month waiting period, for up to two childbirths. Other plans exclude maternity (Excl18) unless Optional Cover 9 is bought.","display":"Early Start Plan: INR 15,000 rising to INR 1,00,000, 9 month wait","note":"After a maternity claim the wallet resets to INR 15,000. Pre and post natal expenses not covered under Section 4. Optional Cover 9 Maternity & Newborn Baby Cover (INR 30,000 to 5,00,000, waiting period as opted) available in other plans except Senior Priority.","quote":"Waiting period of 9 months shall apply from the date of inception of the first policy with us ... The maternity benefit in this policy is limited to cover up to two childbirth events. ... i) Maternity Sum Insured under this section will be INR 15,000 for First Policy Year. ... iii) Third year onwards if no claim has been made under this section, then the Maternity Sum Insured will increase every year by INR 10,000 per policy year, subject to maximum of INR 1,00,000. ... IV | Maternity Benefit Wallet and New-born Cover | Not Applicable | Not Applicable | Not Applicable | Not Applicable | INR 15,000 it will increase by INR 10,000 per year maximum upto INR 1,00,000 | Not Applicable | Not Applicable | INR 15,000 it will increase by INR 10,000 per year maximum upto INR 1,00,000/ Not Applicable ... Maternity: Code Excl18","sources":[{"clause":null,"heading":"A. Maternity Benefit Wallet","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-a-maternity-benefit-wallet"},{"clause":"Section 4(e)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-section-4-e-i"},{"clause":"Section 4(e)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-section-4-e-iii"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"},{"clause":"18","heading":"Maternity: Code Excl18","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-18-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Where the maternity wallet applies, the newborn's treatment during the delivery stay, hospitalisation for complications and vaccinations are covered up to 90 days from delivery within the maternity wallet sum insured.","display":"Covered up to 90 days within maternity wallet","note":"Only with Section 4 (Early Start Plan) or Optional Cover 9; under Optional Cover 9 vaccinations continue to age 5 once the baby is added. After 90 days the baby must be endorsed onto the policy.","quote":"a) The medical treatment of the Insured Person’s New Born Baby while the Insured Person is hospitalised as an inpatient for delivery.\nb) The New Born Baby’s hospitalisation charges as a result of any medical complications, up to 90 Days from the date of delivery.\nc) Reasonable and Customary Charges for the Vaccinations of the New Born Baby as per National Immunization Schedule as defined by Government of India, up to 90 Days from the date of delivery. ... within the limit of the Sum Insured available under the Section 4.A Maternity Benefit Wallet Section of the Policy, provided that We have accepted a claim under Section 4.A Maternity Benefit Wallet","sources":[{"clause":null,"heading":"B. New-born Cover","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-b-new-born-cover"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"cross-checked","value":"In-patient treatment of psychiatric illness is covered up to the sum insured, subject to the specific waiting period for listed ICD codes and prior approval except emergencies.","display":"Covered up to sum insured (in-patient)","note":"Specific waiting period applies to ICD F20-F29, F30-F39, F40-F48 and F99. Out-patient psychiatric care only under optional OPD cover.","quote":"We will pay for the Medical Expenses, related to Psychiatric Illness, provided that: ... a) The first diagnosis and Hospitalization, as an inpatient, was during the Policy Period. ... vii | Psychiatric Illness | Upto Sum Insured","sources":[{"clause":"1.7","heading":"Psychiatric Illness","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-7"},{"clause":"1.7(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-7-a"},{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"0.25% of sum insured up to INR 1,000 every two years (Double Wallet, Even Protect), or up to INR 1,500 / INR 2,000 every year in other plans, paid in addition to the sum insured.","display":"0.25% of SI, max INR 1,000 every two years to INR 2,000 every year by plan","note":"Infinity Wallet, Early Start, Senior Priority: INR 1,500 every year; Carry Forward SI and Worldwide Treatment: INR 2,000 every year; BharatX INR 1,000 every two years. Not carried forward if unused. Optional Health Check-up from Day One cover available.","quote":"viii | Health Check-up | 0.25% of Sum Insured max upto INR 1,000 after every two year | 0.25% of Sum Insured max upto INR 1,500 after every year | 0.25% of Sum Insured max upto INR 2,000 after every year | 0.25% of Sum Insured max upto INR 2,000 after every year | 0.25% of Sum Insured max upto INR 1,500 after every year | 0.25% of Sum Insured max upto INR 1,500 after every year | 0.25% of Sum Insured max upto INR 1,000 after every two year ... Please Note- Payment under this benefit won’t be deducted from Your Sum Insured. It is additional.","sources":[{"clause":null,"heading":"Plan BASE COVERAGES","page":63,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-plan-base-coverages"},{"clause":"1.8","heading":"Health Check Up","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-8"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Not covered under the base cover; out-patient treatment is excluded unless the optional Out-Patient Benefit Cover is bought.","display":"Not covered unless OPD optional cover is opted","note":"Optional Cover 15 Out-Patient Benefit Cover: Rs 2,500 to 50,000, consultations, diagnostics, minor procedures, medicines, dental, hearing aids and psychiatric consultations, with optional co-pay basis.","quote":"Note - This is NOT OPD: Treatment normally taken on an out-patient basis is NOT included in the scope of this Cover. ... If You have opted for this Optional Cover, We will pay the Reasonable and Customary Charges for below mentioned expenses incurred by You as an Allopathic Out-patient when treatment is taken from a Network Medical Practitioner to the extent of the Sum Insured opted by You","sources":[{"clause":"1.2","heading":"Day Care Procedures","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-2-2"},{"clause":null,"heading":"You are not hospitalized are covered under this!","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-you-are-not-hospitalized-are-covered-under-this"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium depends on the zone of residence (Zone 1: Delhi/NCR, Mumbai area, Greater Hyderabad; Zone 2: rest of India, 10% discount). A 10% co-pay applies if treated in a higher zone without address proof validating the zone.","display":"Yes, 2 zones; 10% co-pay if treated in higher zone without proof","note":"Zone co-pay does not apply to accidental injury. Zone can be upgraded but not downgraded.","quote":"Based on your city of residence, we have classified you within two Zones. ... Zone 1 Delhi/NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Greater Hyderabad Area Zone 2 Rest of India apart from Zone 1 cities are classified as Zone 2. ... if the place of hospitalization belongs to Higher Zone Category – then Co-pay of 10% would be applicable on admissible claim amount. ... City Discount: 10% discount will be offered on Policy premium, if proposer opts for Zone 2","sources":[{"clause":null,"heading":"18. Zone wise Classification","page":52,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-18-zone-wise-classification"},{"clause":"7","heading":"City Discount","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49#c-7-4"}],"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 Service Provider / TPA, with notice 72 hours before planned or within 24 hours of emergency admission.","display":"Yes, at network hospitals","note":"Reimbursement available at any hospital in India. Worldwide claims are reimbursement only, cashless case by case.","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 ... 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.","sources":[{"clause":null,"heading":"23. Claims Notification and Procedure","page":53,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-23-claims-notification-and-procedure"},{"clause":"1","heading":null,"page":53,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-1-23"}],"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":"Claims are processed through the insurer's Service Provider / Third Party Administrator (TPA).","display":"Service Provider / TPA","note":"The TPA is not named. Life component claims are handled by Go Digit Life Insurance.","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":53,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-23-claims-notification-and-procedure"},{"clause":"2(g)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#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":null,"quote":"Sum Insured means the amount as per plan opted by You and stated in the Policy Schedule for each insured person including cumulative bonus (if any) for Individual Sum Insured Policy and aggregately for all insured members for a Floater Policy.","sources":[{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48#c-2-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Life Healthy Glow Policy GODHLIP26044V022526","pages":95,"fetched_at":"2026-10-16 06:29:31.634493+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-digit-life-healthy-glow-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/48"},{"kind":"prospectus","label":"Prospectus - Digit Life Healthy Glow Policy - GODHLIP26044V022526","pages":117,"fetched_at":"2026-10-16 06:29:31.634493+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-digit-life-healthy-glow-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/49"},{"kind":"cis","label":"CIS - Digit Life Healthy Glow Policy - GODHLIP26044V022526","pages":11,"fetched_at":"2026-10-16 06:29:31.634493+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-life-healthy-glow-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526/document/50"}],"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 Life Healthy Glow Policy (UIN GODHLIP26044V022526), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-life-healthy-glow-policy-godhlip26044v022526"}