{"uin":"GODPAIP21489V022021","name":"Digit Total Protect Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Revision","kind":"product","status":"unknown","approved_on":"2020-09-28","withdrawn_on":null,"summary":"Digit Total Protect Policy is a modular accident cover from Go Digit with 27 optional sections, including accidental death, permanent total and partial disablement, loss of income, accidental hospitalisation, fractures, burns, critical illness (Plans A, B and C), HIV and EMI protection. Accidental death and permanent total disablement each pay 100% of the sum insured (Rs. 5,000 to Rs. 20,00,00,000) and apply worldwide, while hospitalisation covers apply within India only.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:32.847715+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":["Plan A","Plan B","Plan C"],"display":"Plan A, Plan B, Plan C (Critical Illness section)","note":"The plans apply only to Section 25 Critical Illness and differ in the illnesses covered. The rest of the product is modular: each of the 27 sections is chosen separately.","quote":"Sr. | Category | Critical Illness | Plan A | Plan B | Plan C","sources":[{"clause":null,"heading":"Plan wise Covered Critical Illnesses","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-plan-wise-covered-critical-illnesses"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"The policy can be issued for 1, 2 or 3 years; a short period policy of less than one year is also possible.","display":"1, 2 or 3 years","note":null,"quote":"The Policy can be issued for tenure of 1 year, 2 years and 3 years. ... Short Period Policy can be issued for period of less than one year for all Sections.","sources":[{"clause":null,"heading":"18. POLICY PERIOD","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-18-policy-period"},{"clause":null,"heading":"23. SHORT PERIOD COVER","page":45,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-23-short-period-cover"}],"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":"Inform the insurer in writing within 30 days of the accident or incident; for accidental hospitalisation claims, intimate within 48 hours of admission (24 hours for emergency cashless).","display":"Within 30 days of the accident (48 hours of admission for hospitalisation claims)","note":"Documents must be submitted within 30 days from the date of intimation. Delay can be condoned where the reason is proved.","quote":"must inform Us in writing immediately and in any event within 30 days from the date of occurrence any accident/incident that may result in a claim ... should be intimated within 48 hours of date of admission ... We are given a notice within 24 Hours of hospitalization in case of an emergency situation","sources":[{"clause":"2(a)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-a"},{"clause":"2","heading":"Reimbursement Claim Process","page":48,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-22"},{"clause":"1","heading":null,"page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-1-21"}],"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 Completed Claim Form","NEFT Details or Cancelled Cheque","ID proof (KYC document) of insured and Nominee","address proof","Attested Copy of Death Certificate","Attested Copy of FIR / Panchanama / Inquest Panchanama","Attested Copy of Post Mortem Report (Only if conducted)","Attested Copy of disability certificate from relevant government Medical authority","All Investigation reports confirming the disability","Certificate from the treating doctor mentioning the extent of Injury along with the period of disability","Discharge Summary","Original Hospital Main Bill","Original Pharmacy Bills","X Ray Confirming the Fracture & site of Fracture","Medical Practitioner's Certificate confirming the Illness"],"display":"Claim form, bank and KYC details, plus section-wise documents such as death certificate, FIR, post mortem report, disability certificate and hospital bills","note":"Documents differ by section and apply wherever applicable. KYC documents are needed where the claim pay-out exceeds Rs. 1 Lakhs per claim.","quote":"In addition to the Duly Completed Claim Form signed by the Insured/Insured’s Nominee/Legal Heir & NEFT Details or Cancelled Cheque of the Insured/Insured’s Nominee/Legal Heir, ID proof (KYC document) of insured and Nominee, address proof wherever applicable ... Attested Copy of Death Certificate. ... Attested Copy of FIR / Panchanama / Inquest Panchanama. ... Attested Copy of Post Mortem Report (Only if conducted). ... Attested Copy of disability certificate from relevant government Medical authority. ... All Investigation reports confirming the disability. ... Certificate from the treating doctor mentioning the extent of Injury along with the period of disability ... • Discharge Summary • Original Hospital Main Bill ... • Original Pharmacy Bills ... X Ray Confirming the Fracture & site of Fracture ... Medical Practitioner’s Certificate confirming the Illness ... *KYC documents shall be required at the claim settlement stage where claims pay-out to the Insured Person exceeds a threshold limit of Rs. 1 Lakhs per claim","sources":[{"clause":"2(h)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-h"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The claim is settled or rejected within 15 days from submission of the claim; after that, interest at bank rate plus 2 percent is payable from the date of intimation.","display":"15 days from submission of claim","note":null,"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":"13(a)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-13-a"},{"clause":"13(b)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-13-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":["Treatment of any illness within 30 days from the first policy commencement date, except accidents (Excl03)","Suicide or attempted suicide, while sane or insane","Intentional self-injury","Any claim resulting from an event where You were under the influence of Alcohol, opioids or nicotine or drugs","War, invasion, acts of foreign enemy hostilities, civil war, rebellion, riot, strike","Contamination by radioactivity from any nuclear material","Acts of terrorism, unless specifically agreed","Breach of law with criminal intent (Excl10)","Participation as a professional in hazardous or adventure sports (Excl09)","Aviation other than as a passenger in a duly licensed standard type of aircraft","Involvement in naval, military, air force operation","Hospitalization for an existing disability from a previous Accident","Death or disablement due to mental disorders or disturbances of consciousness, strokes, fits or convulsions","Cosmetic or plastic surgery unless for reconstruction following an Accident, Burn(s) or Cancer (Excl08)","Non-Medical Expenses"],"display":"Initial 30-day illness wait, suicide and self-injury, alcohol or drugs, war and terrorism, nuclear risks, criminal acts, professional adventure sports, non-passenger aviation, military operations, prior disability, mental disorders, cosmetic surgery","note":"Excl09 is deleted to the extent of Section 24 Adventure Sports Cover if opted. Excl03 does not apply after more than twelve months of continuous coverage, and the period can be amended to the days opted in the schedule. The full list has standard exclusions numbered 1 to 12 and specific exclusions numbered 13 to 30.","quote":"1. 30-day waiting period/ Initial Waiting Period- Code- Excl03 ... a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... a) Suicide or attempted suicide, while sane or insane ... b) Intentional self-injury ... a) Any claim resulting from an event where You were under the influence of Alcohol, opioids or nicotine or drugs. ... a) War, invasion, acts of foreign enemy hostilities (whether or not War is declared), civil war, rebellion, revolution, insurrection or military or usurped power, mutiny, riot, strike ... contamination by radioactivity from any nuclear material whatsoever ... c) any acts of terrorism, unless specifically agreed by Us and mentioned in Your Policy Schedule. ... 6 Breach of law: Code- Excl10 ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... 5 Hazardous or Adventure sports: Code- Excl09 ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... a) whilst engaging in aviation or whilst mounting into, dismounting from or traveling in any aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft ... c) Involvement in naval, military, air force operation. ... a) Any Hospitalization for an existing disability from a previous Accident which has occurred prior to the first of this Policy. ... Accidental “Death” or “Permanent Total Disablement” or “Permanent Partial Disablement” due to mental disorders or disturbances of consciousness, strokes, fits or convulsions ... 4 Cosmetic or plastic Surgery: Code- Excl08 ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... 18. Non-Medical Expenses","sources":[{"clause":null,"heading":"1. 30-day waiting period/ Initial Waiting Period- Code- Excl03","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-1-30-day-waiting-period-initial-waiting-period-c"},{"clause":null,"heading":"14. Suicide and Self-Injury","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-14-suicide-and-self-injury"},{"clause":null,"heading":"24. Substance abuse and Addictions","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-24-substance-abuse-and-addictions"},{"clause":null,"heading":"25. War and hazardous substances","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-25-war-and-hazardous-substances"},{"clause":"6","heading":"Breach of law: Code- Excl10","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-6-5"},{"clause":"5","heading":"Hazardous or Adventure sports: Code- Excl09","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-5-7"},{"clause":null,"heading":"17. Defence Operation/Aviation Activities","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-17-defence-operation-aviation-activities"},{"clause":null,"heading":"15. Pre-Existing Disability","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-15-pre-existing-disability"},{"clause":null,"heading":"30. Mental Disorders","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-30-mental-disorders"},{"clause":"4","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-4-11"},{"clause":null,"heading":"18. Non-Medical Expenses","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-18-non-medical-expenses"}],"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 Go Digit through the website, toll free 1-800-258-4242 or hello@godigit.com (seniors@godigit.com for senior citizens), or the grievance cell at any branch; if not satisfied, write to the grievance officer at grievance@godigit.com, then the Insurance Ombudsman.","display":"Go Digit (1-800-258-4242, hello@godigit.com), then grievance officer at grievance@godigit.com","note":"Complaints can also be registered on IRDAI's Bima Bharosa portal.","quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com 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 ... the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"17","heading":"CUSTOMER GRIEVANCE REDRESSAL POLICY","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#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":"Each section has its own sum insured range: Accidental Death, Permanent Total and Permanent Partial Disablement from Rs. 5,000 to Rs. 20,00,00,000; Critical Illness Rs. 5,000 to Rs. 3,50,00,000; Accidental Hospitalization Rs. 5,000 to Rs. 2,00,00,000; Loss of Income Rs. 1,000 to Rs. 2,00,000 per week.","display":"Rs. 5,000 to Rs. 20,00,00,000 for accidental death; other sections have their own ranges","note":"From the prospectus section-wise minimum and maximum table.","quote":"Section 1. Accidental Death | 5,000 | 20,00,00,000 ... Section 2. Permanent Total Disablement | 5,000 | 20,00,00,000 ... Section 3. Permanent Partial Disablement | 5,000 | 20,00,00,000 ... Section 4. Loss of Income Benefit | 1,000 per week | 2,00,000 per week ... Section 11. Accidental Hospitalization Cover | 5,000 | 2,00,00,000 ... Section 25. Critical Illness | 5,000 | 3,50,00,000","sources":[{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"}],"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 for illness (Critical Illness and HIV: none, 30, 60 or 90 days as opted)","note":"Accidents are not subject to it. For Critical Illness and HIV Cover the initial waiting period is chosen: no waiting period, 30, 60 or 90 days.","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 ... such waiting Period can be amended to the number of days as opted by you and mentioned in your policy schedule ... Section 25. Critical Illness | Options: No Waiting Period, 30 days, 60 days, 90 days ... Section 26. HIV Cover | Options: No Waiting Period, 30 days, 60 days, 90 days","sources":[{"clause":null,"heading":"1. 30-day waiting period/ Initial Waiting Period- Code- Excl03","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-1-30-day-waiting-period-initial-waiting-period-c"},{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"No pre-existing disease waiting period exists: the covers are accident-based, and Critical Illness claims arising from a pre-existing condition are excluded for good unless disclosed and accepted at purchase. The CIS line 'Pre-Existing Diseases: Covered after <<>> months' is an unfilled template placeholder.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The CIS template says 'Specified disease/procedure waiting period is <<>> years' with the figure left blank; no specific waiting period is printed in the wording or prospectus.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of illnesses with a specific waiting period is printed.","quote":null,"sources":[],"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 count 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 grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"6","heading":"MORATORIUM PERIOD","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-6-6"}],"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 for the indemnity sections: the policy can be ported to another insurer, carrying over credits for sum insured, no claim bonus, specific and pre-existing disease waiting periods and moratorium.","display":"Yes, for indemnity sections, with waiting-period credit","note":"Migration to another Digit policy with credit is also allowed.","quote":"In case of Indemnity based Insurance sections: ... a) A Policyholder has the choice to port his/ her policies from one Insurer to another. ... d) The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer ... In case of migration of one policy to another with the same Insurer, the policyholder (including all members under family cover and group insurance policies) can transfer the credits gained","sources":[{"clause":"15","heading":"PORTABILITY","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-15-4"},{"clause":"15(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-15-a"},{"clause":"15(d)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-15-d"},{"clause":"16","heading":"MIGRATION","page":44,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-16-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy 'shall ordinarily be renewable provided the product is not withdrawn' and the prospectus shows no maximum entry age, but no lifelong renewal or maximum renewal age is stated.","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 is not denied because of claims.","display":"No loading for claims","note":null,"quote":"vi) No loading shall apply on renewals based on individual claims experience. ... iii) Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years.","sources":[{"clause":"14","heading":"RENEWAL OF POLICY","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-14-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse (Excl12)","Health hydros, nature cure clinics, spas (Excl13)","Dietary supplements (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Artificial Life Maintenance","Suicide and Self-Injury","Pre-Existing Disability","Circumcision","Defence Operation/Aviation Activities","Non-Medical Expenses","Spectacles, Hearing aids & related Expenses","Eye Sight & Optical Services","Preventive Treatment","Unjustified or Unwarranted Hospitalization","Substance abuse and Addictions","War and hazardous substances","Legal Liability","Prosthetics and other devices","Specific Treatments","Dental Treatment","Mental Disorders"],"display":"Standard exclusions Excl04, Excl05 and Excl08 to Excl16, plus the product's own specific exclusions (suicide, aviation, war, mental disorders and others)","note":"Excl09 is deleted to the extent of the optional Adventure Sports Cover. Exclusion 19 (Insufficient Document) is a claims condition and is not listed. Dental Treatment is excluded unless hospitalisation due to accident or under the OPD Benefit.","quote":"Investigation & Evaluation- Code- Excl04 ... Rest Cure, rehabilitation and respite care- Code- Excl05 ... Cosmetic or plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Excluded Providers: Code- Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Excl12 ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Code- Excl13 ... Dietary supplements and substances that can be purchased without prescription ... Code- Excl14 ... Refractive Error: Code- Excl15 ... Unproven Treatments: Code- Excl16 ... Artificial Life Maintenance ... Suicide and Self-Injury ... Pre-Existing Disability ... Circumcision ... Defence Operation/Aviation Activities ... Non-Medical Expenses ... Spectacles, Hearing aids & related Expenses ... Eye Sight & Optical Services ... Preventive Treatment ... Unjustified or Unwarranted Hospitalization ... Substance abuse and Addictions ... War and hazardous substances ... Legal Liability ... Prosthetics and other devices ... Specific Treatments ... 29. Dental Treatment ... Mental Disorders","sources":[{"clause":"2","heading":"Investigation & Evaluation- Code- Excl04","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-20"},{"clause":"3","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-3-17"},{"clause":"4","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-4-11"},{"clause":"5","heading":"Hazardous or Adventure sports: Code- Excl09","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-5-7"},{"clause":"6","heading":"Breach of law: Code- Excl10","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-6-5"},{"clause":"7","heading":"Excluded Providers: Code- Excl11","page":36,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-7-5"},{"clause":"8","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-8-4"},{"clause":"Excl12","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-excl12"},{"clause":"9","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-9-4"},{"clause":"10","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-10-4"},{"clause":"11","heading":"Refractive Error: Code- Excl15","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-11-4"},{"clause":"12","heading":"Unproven Treatments: Code- Excl16","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-12-4"},{"clause":null,"heading":"13. Artificial Life Maintenance","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-13-artificial-life-maintenance"},{"clause":null,"heading":"14. Suicide and Self-Injury","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-14-suicide-and-self-injury"},{"clause":null,"heading":"15. Pre-Existing Disability","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-15-pre-existing-disability"},{"clause":null,"heading":"16. Circumcision","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-16-circumcision"},{"clause":null,"heading":"17. Defence Operation/Aviation Activities","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-17-defence-operation-aviation-activities"},{"clause":null,"heading":"18. Non-Medical Expenses","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-18-non-medical-expenses"},{"clause":null,"heading":"20. Spectacles, Hearing aids & related Expenses","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-20-spectacles-hearing-aids-related-expenses"},{"clause":null,"heading":"21. Eye Sight & Optical Services","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-21-eye-sight-optical-services"},{"clause":null,"heading":"22. Preventive Treatment","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-22-preventive-treatment"},{"clause":null,"heading":"23. Unjustified or Unwarranted Hospitalization","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-23-unjustified-or-unwarranted-hospitalization"},{"clause":null,"heading":"24. Substance abuse and Addictions","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-24-substance-abuse-and-addictions"},{"clause":null,"heading":"25. War and hazardous substances","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-25-war-and-hazardous-substances"},{"clause":null,"heading":"26. Legal Liability","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-26-legal-liability"},{"clause":null,"heading":"27. Prosthetics and other devices","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-27-prosthetics-and-other-devices"},{"clause":null,"heading":"28. Specific Treatments","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-28-specific-treatments"},{"clause":null,"heading":"30. Mental Disorders","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-30-mental-disorders"}],"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":"Cancel with 7 days' written notice; premium is refunded on a short period scale, for a 1 year policy 60% within 3 months, 40% for 3 to 6 months, 25% for 6 to 9 months and 0% after 9 months. No refund if a claim has been made or for instalment-premium policies.","display":"Short period scale: 60% refund within 3 months, falling to 0% after 9 months (1 year policy)","note":"2 and 3 year policies have their own columns in the scale (for example 50% and 55% between 3 and 6 months).","quote":"The policyholder may cancel this policy by giving 7 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... Within 3 months | 60% | 60% | 60% ... Exceeding 3 months but less than 6 months | 40% | 50% | 55% ... Exceeding 6 months but less than 9 months | 25% | 40% | 50% ... Exceeding 9 months but less than 12 months | 0% | 35% | 45% ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy. ... Where Premium Payment is on Installment Basis, there will be no refund of premium in case of Policy Cancellation requested by You.","sources":[{"clause":"8","heading":"CANCELLATION","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-8-5"},{"clause":null,"heading":"Short Period Scale","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-short-period-scale"},{"clause":"7","heading":"SPECIAL CONDITIONS APPLICABLE FOR POLICIES ISSUED WITH PREMIUM PAYMENT ON INSTALLMENT BASIS","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-7-6"}],"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":"Worldwide for accidental death, disablement, loss of income, fracture, burns, coma, critical illness and HIV covers; hospitalisation, OPD, trauma counselling, hospital cash and air ambulance covers apply within India only.","display":"Worldwide for death, disablement and critical illness; India only for hospitalisation and OPD covers","note":"Adventure Sports: death and disablement worldwide, hospitalisation within India. EMI Protection is worldwide but paid only for loans from Indian financial institutions in INR.","quote":"Section 1. Accidental Death | Worldwide ... Section 2. Permanent Total Disablement | Worldwide ... Section 3. Permanent Partial Disablement | Worldwide ... Section 4. Loss of Income Benefit | Worldwide ... Section 10. Trauma Counselling | Within India ... Section 11. Accidental Hospitalization Cover | Within India ... Section 14. Daily Hospital Cash Cover | Within India ... Section 15. Out-patient Benefit | Within India ... Section 16. Emergency Air Ambulance | Within India ... Section 17. Coma benefit cover | Worldwide ... Section 18. Fracture Cover | Worldwide ... Section 19. Burns cover | Worldwide ... Section 25. Critical Illness | Worldwide ... Section 26. HIV Cover | Worldwide ... All claims will be payable in INR only.","sources":[{"clause":null,"heading":"25. GEOGRAPHICAL COVERAGE","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-25-geographical-coverage"}],"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 ported policies. Refund less medical examination and stamp duty costs, or proportionate risk premium. The CIS says 'within 30 days from the beginning of the policy'; same figure, so recorded as a note.","quote":"The insured person shall be allowed free look period of thirty (30) days from date of receipt of the policy document ... within 30 days from the beginning of the policy","sources":[{"clause":"9","heading":"Free Look Period","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-9-5"},{"clause":"12","heading":"THINGS TO REMEMBER","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/56#c-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly.","quote":"fifteen days where premium payment mode is monthly and thirty days in all other cases. ... can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"7","heading":"SPECIAL CONDITIONS APPLICABLE FOR POLICIES ISSUED WITH PREMIUM PAYMENT ON INSTALLMENT BASIS","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-7-6"},{"clause":"14","heading":"RENEWAL OF POLICY","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-14-4"}],"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":"Adults from 18 years and children from 91 days, with no maximum entry age.","display":"Adults 18 years, children 91 days; no maximum","note":"For Critical Illness Cover, children from 181 days.","quote":"Accidental Death/Permanent Total Disablement/Permanent Partial Disablement | Proposer | 18yrs | No Limit\nChild | 91days | No Limit\nAdult Insured | 18yrs | No Limit ... Critical Illness Cover | Proposer | 18yrs | No Limit\nChild | 181days | NA","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#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":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, half-yearly, quarterly or monthly","note":"With monthly ECS or NACH mandates, three instalments are paid at inception.","quote":"You can choose to pay Premium on an instalment basis i.e. Half Yearly, Quarterly, Monthly or yearly","sources":[{"clause":"1(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-1-b-2"}],"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":["Loss of Income Benefit","Children Education Benefit","Marriage Expense for Children Benefit","Orphan Benefit for Children","Funeral Expenses","Transportation Expenses","Trauma Counselling","Accidental Hospitalization Cover","Home (Domiciliary) Hospitalization","Long Hospitalization Cash Benefit","Daily Hospital Cash Cover","Out-Patient (OPD) Benefit","Emergency Air Ambulance","Coma Benefit Cover","Fracture Cover","Burns Cover","Lifestyle Modification Benefit","Expense for External Aids & Appliances","Compassionate Visit","Miscarriage due to Accidental Injury","Adventure Sports Cover","Critical Illness","HIV Cover","EMI Protection Cover"],"display":"All sections are optional; the product is modular","note":"Accidental Death, Permanent Total Disablement and Permanent Partial Disablement are optional sections too. Some sections can only be taken with others (for example Sections 7, 8 and 9 only with Section 1 Accidental Death).","quote":"This is a Modular basis product and Insured can choose to take any 1 or any combination of more than 1 cover. All Sections are optional and can be opted on Standalone basis ... SECTION 4. LOSS OF INCOME BENEFIT ... SECTION 5. CHILDREN EDUCATION BENEFIT ... SECTION 6. MARRIAGE EXPENSE FOR CHILDREN BENEFIT ... SECTION 7. ORPHAN BENEFIT FOR CHILDREN ... SECTION 8. FUNERAL EXPENSES ... SECTION 9. TRANSPORTATION EXPENSES ... SECTION 10. TRAUMA COUNSELLING ... SECTION 11. ACCIDENTAL HOSPITALIZATION COVER ... SECTION 12. HOME (DOMICILIARY) HOSPITALIZATION ... SECTION 13. LONG HOSPITALIZATION CASH BENEFIT ... SECTION 14. DAILY HOSPITAL CASH COVER ... SECTION 15. OUT-PATIENT (OPD) BENEFIT ... SECTION 16. EMERGENCY AIR AMBULANCE ... SECTION 17. COMA BENEFIT COVER ... SECTION 18. FRACTURE COVER ... SECTION 19. BURNS COVER ... SECTION 20. LIFESTYLE MODIFICATION BENEFIT ... SECTION 21. EXPENSE FOR EXTERNAL AIDS & APPLIANCES ... SECTION 22. COMPASSIONATE VISIT ... SECTION 23. MISCARRIAGE DUE TO ACCIDENTAL INJURY ... SECTION 24. ADVENTURE SPORTS COVER ... SECTION 25. CRITICAL ILLNESS ... SECTION 26. HIV COVER ... SECTION 27. EMI PROTECTION COVER ... b) Section 7, Section 8, Section 9 can be taken in conjunction with Section 1 only;","sources":[{"clause":"20","heading":"SURGERY TO AORTA","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-20-2"},{"clause":null,"heading":"Table of Contents","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-table-of-contents"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No. Coverage is not available during the grace period.","display":"No cover during the grace period","note":"Continuity of waiting periods is kept if premium is paid within the grace period.","quote":"Coverage is not available during the grace period. ... ii) During such Grace Period, Coverage will not be available from the instalment premium payment due date till the date of receipt of premium by Company.","sources":[{"clause":"14","heading":"RENEWAL OF POLICY","page":43,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-14-4"},{"clause":"7","heading":"SPECIAL CONDITIONS APPLICABLE FOR POLICIES ISSUED WITH PREMIUM PAYMENT ON INSTALLMENT BASIS","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-7-6"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"cross-checked","value":"100% of the sum insured if an accidental bodily injury during the policy period is the sole and direct cause of death within twelve months; disappearance and drowning where the body is not found within twelve months are also paid.","display":"100% of sum insured if death within 12 months of the accident","note":"Optional section. Sum insured Rs. 5,000 to Rs. 20,00,00,000. Disappearance and drowning claims need an indemnity bond from the nominee or legal heir. The policy ceases for that person once the claim is accepted.","quote":"If this Cover has been opted and You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured ... a) Disappearance: We shall be liable to be pay under this benefit, if the Insured Person’s full body cannot be located within a period of consecutive twelve (12) months ... b) Drowning: We shall be liable to be pay under this benefit, if the Insured Person’s full body cannot be located within a period of consecutive twelve (12) months, on account of Drowning ... Section 1. Accidental Death | 5,000 | 20,00,00,000","sources":[{"clause":"Section 1","heading":"ACCIDENTAL DEATH Digit Simplification: The day bad luck strikes","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-1"},{"clause":"Section 1(I)(a)","heading":"Disappearance","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-1-i-a"},{"clause":"Section 1(I)(b)","heading":"Drowning","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-1-i-b"},{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"cross-checked","value":"100% of the sum insured if accidental injury is the sole and direct cause of permanent total disablement within twelve months, such as total paralysis, loss of sight of both eyes, or loss of two limbs.","display":"100% of sum insured","note":"Optional section. Sum insured Rs. 5,000 to Rs. 20,00,00,000. Loss of use of limbs must continue for 180 days. The policy ceases for that person once the claim is accepted.","quote":"which is the sole and direct cause of Your “Permanent Total Disablement” within twelve (12) months from the Date of accident, then We will pay 100% of Sum Insured ... a) Total Paralysis ... b) Total and irrecoverable loss of sight of both eyes, or ... c) Actual Loss by physical separation of two Limbs (both hands or both feet or one hand and one foot), or ... Section 2. Permanent Total Disablement | 5,000 | 20,00,00,000 ... provided loss of use continues for a period of 180 days from the onset of loss of use ... Once a claim has been accepted under this Section, this Policy will immediately and automatically cease in respect of that Insured Person.","sources":[{"clause":"Section 2","heading":"PERMANENT TOTAL DISABLEMENT","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-2"},{"clause":"II(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-ii-a-2"},{"clause":"II(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-ii-b-2"},{"clause":"II(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-ii-c-2"},{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"},{"clause":"4","heading":"Total & irrecoverable loss of Use of limb(s)","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-4-2"},{"clause":"2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-3"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"cross-checked","value":"A percentage of the sum insured by a table: 70% for loss of an arm at the shoulder, 55% for a hand at the wrist, 50% for sight of one eye, 30% for hearing in each ear, 20% for a thumb, 10% for an index finger, down to 2% for each other toe.","display":"Table of benefits from 70% (arm at shoulder) to 2% (other toe) of sum insured","note":"Loss of functional use must continue for at least 180 days. Total liability for several disablements is capped at the sum insured; unlisted disablements are assessed by an external medical advisor. Cover continues after a claim.","quote":"Loss of each arm at the shoulder joint | 70% ... Loss of each leg above centre of the femur | 70% ... Loss of each hand at the wrist | 55% ... Complete and irrecoverable loss of sight of an eye | 50% ... Loss of hearing in each ear | 30% ... Loss of each thumb | 20% ... Loss of each index finger | 10% ... Loss of each other toe | 2% ... within twelve (12) months from the Date of accident","sources":[{"clause":null,"heading":"Permanent Partial Disablement –Table of Benefits","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-permanent-partial-disablement-table-of-benefits"},{"clause":"Section 3","heading":"PERMANENT PARTIAL DISABLEMENT","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"cross-checked","value":"Loss of Income Benefit pays a weekly benefit (Rs. 1,000 to Rs. 2,00,000 per week as opted) while accidental injury completely prevents you from working, for the number of weeks opted, after a time excess of 0 to 4 weeks, capped at your net weekly income.","display":"Weekly benefit of Rs. 1,000 to Rs. 2,00,000 per week as opted","note":"Optional section. Not available for Risk Class III occupations. Periods under a week are paid proportionately.","quote":"which is the sole and direct cause of a Temporary Total Disablement and which completely prevents You from performing each and every duty pertaining to Your employment or occupation on a temporary basis, then We will pay a weekly benefit ... Section 4. Loss of Income Benefit | 1,000 per week | 2,00,000 per week ... when We have made payments for number of weeks as opted by You ... Section 4. Loss of Income Benefit | Yes (Time Excess) | 0 Weeks | 4 Weeks ... We will not pay any amount in excess of the Insured Person’s base weekly income net of tax and other deductions","sources":[{"clause":"Section 4","heading":"LOSS OF INCOME BENEFIT","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-4"},{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"},{"clause":"2","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-5"},{"clause":"1","heading":"We have below mentioned Sub-Limit only under Section 11 for the Road Ambulance Cover","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-1-16"},{"clause":"6","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-6-2"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"cross-checked","value":"Accidental Hospitalization Cover pays reasonable and customary inpatient expenses after an accident (room, ICU, fees, medicines, diagnostics, theatre), plus day care, pre and post hospitalisation, dental treatment, road ambulance, second opinion and imported medicine freight, up to the sum insured (Rs. 5,000 to Rs. 2,00,00,000). Out-patient treatment of accidental injury is a separate OPD section.","display":"Accidental hospitalisation up to the sum insured (Rs. 5,000 to Rs. 2,00,00,000), if opted","note":"Optional section, within India only, cashless at network hospitals. Sum insured can be a percentage of the PA claim (Basis 1) or a fixed amount (Basis 2). Road ambulance limited to 1% of the section up to INR 5,000. Optional co-payment 0% to 20%. OPD Benefit Rs. 1,000 to Rs. 1,00,000.","quote":"If You have opted for this Cover and You suffer an Accidental Injury during the Policy Period that requires Hospitalization as an inpatient, we’ll be there for you. We will pay You all Reasonable and Customary Charges that are Medically Necessary and Incurred by You in respect of an admissible claim. ... Section 11. Accidental Hospitalization Cover | 5,000 | 2,00,00,000 ... 11.F. Road Ambulance | 1% of Section 11 up to INR 5,000 ... Section 11. Accidental Hospitalization Cover | No | - | - | Yes | 0% | 20% ... Section 15. Out Patient (OPD) Benefit | 1,000 | 1,00,000 ... Accommodation/Room Rent | Hospital accommodation in a ward, shared or private room.\nICU | Intensive Care Unit\nProfessional Fees | Fees for treatment by specialists, physicians, nurses, surgeons and anaesthetists.\nMedication | Drugs, medicines, consumables ... Diagnostic | Necessary Procedures such as x-rays ... Theatre Fees | Operation Theatre Fees ... II) Day Care Procedures ... III) Pre-Hospitalization Expenses ... IV. Post-Hospitalization Expenses ... V. Dental Treatment ... VI. Road Ambulance ... VII. Second Medical Opinion ... VIII. Transportation of Imported Medicine We will reimburse the costs incurred by You for freight charges for importing medicines to India ... Basis 1: This is the percentage as opted by You and mentioned in Your Policy Schedule against this Section applied on the admissible claim amount ... Basis 2: This is the amount opted by You and mentioned Your Policy Schedule against this Section. ... Cashless Facility can be availed from our network hospitals only. ... Section 11. Accidental Hospitalization Cover | Within India","sources":[{"clause":"Section 11(I)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-11-i"},{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"},{"clause":"1","heading":"We have below mentioned Sub-Limit only under Section 11 for the Road Ambulance Cover","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-1-16"},{"clause":"Section 11(II)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-11-ii"},{"clause":"Section 11(III)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-11-iii"},{"clause":"2","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-2-9"},{"clause":"Section 11","heading":"A. Hospitalization Expenses Cover.","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-section-11-2"},{"clause":"3","heading":"The Coverage also","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-3-8"},{"clause":null,"heading":"Sum Insured Basis","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-sum-insured-basis"},{"clause":"1","heading":null,"page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-1-21"},{"clause":null,"heading":"25. GEOGRAPHICAL COVERAGE","page":46,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-25-geographical-coverage"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"cross-checked","value":"Yes. Premium depends on Risk Class I (administrative, professional), II (manual labour, drivers, mechanics) or III (mines, explosives, high tension, jockeys and similar). A change of occupation must be notified and the insurer may adjust cover or premium.","display":"Premium varies by Risk Class I, II or III; change of occupation must be notified","note":"Loss of Income Benefit shows NA for Risk Class III. Notification is not needed when only the employer changes.","quote":"The Base premium rates will depend upon the Risk Class which you belong to. ... Risk Class I corresponds to insured members engaged in administrative or managing functions ... Risk Class II corresponds to person engaged in manual labour, garage or motor mechanic, machine operator, paid driver ... Risk Class III corresponds to person working in underground mines, in explosive magazines or in electrical installations with high tension supply, or insured is a jockey ... Section 4 | Loss of Income Benefit (Note: Mentioned Base Premium rates will be applied on Weekly Sum Insured chosen) | 60.000 | 90.0 00 | NA ... The Insured/ Insured Person shall immediately notify the Company in writing of any material change in the risk or change in business or occupation during the Policy Period. ... The Company may adjust the scope of the cover and/or the premium, if necessary, accordingly.","sources":[{"clause":null,"heading":"What are the various Sum Insured options available under this Policy?","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55#c-what-are-the-various-sum-insured-options-availab"},{"clause":null,"heading":"27. MATERIAL CHANGE / CHANGE OF OCCUPATION","page":47,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54#c-27-material-change-change-of-occupation"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Total Protect Policy - GODPAIP21489V022021","pages":58,"fetched_at":"2026-10-16 06:29:32.615815+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/digit-total-protect-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/54"},{"kind":"prospectus","label":"Prospectus - Digit Total Protect Policy - GODPAIP21489V022021","pages":45,"fetched_at":"2026-10-16 06:29:32.615815+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-digit-total-protect-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/55"},{"kind":"cis","label":"CIS - Digit Total Protect Policy - GODPAIP21489V022021","pages":6,"fetched_at":"2026-10-16 06:29:32.615815+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-total-protect-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021/document/56"}],"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 Total Protect Policy (UIN GODPAIP21489V022021), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-total-protect-policy-godpaip21489v022021"}