Digit Illness Group Insurance Cover: What Is The Coverage

Go Digit General Insurance Limited
Digit Illness Group Insurance Cover

Dated: 25th May 2020
What is the coverage

Description Coverage
Type of cover Indemnity
Sum Insured Type Individual for each member covered
Room rent restriction No Restriction
ICU limit No Restriction
Pre | Post hospitalization days 30 days | 60 days
Road Ambulance 1% of the SI (up to INR 5,000)
Second medical opinion Covered
Sum Insured Options 50K, 1L, 1.5L, 2L, 2.5L, 3L

Age Group <60 Years
Who can avail Self +Spouse+2 dependent Children
Types of hospitals covered All (i.e Private, Military, Army, Govt etc)
Initial Waiting Period 15 Days
Terms & Conditions

Coverage is applicable only if the insured member(s) is/are diagnosed with and hospitalised solely for COVID-19.
Comorbidity exclusion clause- Insured Member(s) is/are not suffering from fever or suffering /suffered from diabetes,
hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication or the
insured members(s) is/are due for any medical treatment, at the time of buying this policy
Positive test report for Coronavirus disease (COVID-19) conducted from Govt/ICMR Authorized test Centre in India
Hospitalisation expenses due to Quarantine for COVID-19 are also covered if the insured member(s) was/were suffering from
COVID -19 during the hospitalisation and the said hospitalisation was solely due to COVID-19.
Child below 18 years can be covered if either parent also takes the policy
Exclusions
Hospitalisation expenses not in lieu of treatment for Coronavirus disease (COVID-19) will not be covered.
Insured members already treated for or quarantined for Coronavirus disease (COVID-19) before the policy
issuance will not be covered.
Treatment taken outside India will not be covered.
Home hospitalisation (Domiciliary hospitalisation) expenses will not be covered.
Hospitalisation expenses for patients only under investigation with inconclusive medical report will not be covered.
Test report for Coronavirus disease (COVID-19) conducted from centres other than Govt/ICMR Authorized test Centre in India
Documents to be submitted before issuance

Employer- Employee Relationship (BOT Issuance) Non-Employer- Employee Relationship
Employer-Employee Proposal form Non-Employer-Employee Proposal form
LOA
*LOA and proposal form to be ﬁlled as per the mode of issuance (BOT Issuance or link issuance)
Information about members required for policy issuance

Member’s Name Member’s Contact Number Nominee details (Name and Relation)
Member’s DOB Member’s email ID Details of the spouse and children is they
Member’s Gender Member’s Address with Pin code are covered (Name, Gender and DOB)
Sum Insured opted for each family
Date: 25th May 2020

For Standard proposals
Effective From 25th May 2020
Standard rates and rates with waiver loadings** (In INR Incl. GST)
Sum Insured
Category
Loading % 50K 1L 1.5L 2L 2.5L 3L
Standard rates 0% 443 525 785 1,045 1,303 1,563
*Waiver of 15 days initial
20% 532 630 942 1,254 1,564 1,876
waiting period (min 50 members)
*Waiver off for Co-morbidity

40% 619 735 1,099 1,463 1,825 2,189
clause (min 50 members)
*Waiver of Initial waiting period

and Co-morbidity clause 50% 665 788 1,178 1,566 1,956 2,346
(min 50 members)
For Non Standard Proposals
Occupations for Non Standard risks include: Health care workers excluding Hospital staff, Diagnostic/Pathology lab workers,
Security guards, Bus and truck drivers, Sanitation and cleaning workers, Delivery executives, Home service providers –
e.g. urban clap, Municipal Corp workers, NGO working for Covid-19, CRPF/Police
Effective From 25th May 2020
Base rates and rates with waiver loadings (In INR Incl. GST) for Non standard Proposals
Sum Insured
Category
Loading % 50K 1L 1.5L 2L 2.5L 3L
Base rate for Non Standard Proposals 0% 598 761 1,099 1,411 1,629 1,954
*Waiver of 15 days initial
20% 717 914 1,319 1,692 1,955 2,345
waiting period (min 50 members)
*Waiver off for Co-morbidity

40% 836 1,065 1,537 1,975 2,281 2,736
clause (min 50 members)
*Waiver of Initial waiting period

and Co-morbidity clause 50% 895 1,142 1,649 2,115 2,444 2,932
(min 50 members)
*Please note that waivers can only be offered to employer employee relationships
**Other health care workers comprises of workers who are engaged in health care activities like ambulance drivers, people supplying items and services in hospital
clinics etc. It does not include hospital staff like doctors, nurse etc who are working in the hospital.Hospital staff is an exclusion
Discount Options for Large Groups
Group Size Up to 50000 50001-100000 100001-200000 >2 lakh
Discount% 0.00% 2.50% 5.00% 7.50%
Addition* and Deletion Guidelines

Employer – Employee groups Non-Employer – Employee groups
If the new employee (new joinee in the organization) is added Addition Not Allowed for existing members.
RID – Date of enrolment, However, new COI can be added with the child policy
RED – RED of master policy,
period for one full year.
Premium to be charged in full
Deletion: No Refund
If new members to be added to the existing policy
(dependent member of employees)–
Not Allowed
Deletion: No Refund
*Premium and T&C prevailing at the time of new addition request will apply
Claims
Documents required for Reimbursement
Discharge summary All other test reports All Original bills (Final bill, break up,
Consultation Papers Cancelled Cheque/ NEFT details Pharmacy and test bills, etc)
COVID-19 Positive test report Valid ID proof Employee ID number (If applicable)
from ICMR authorized labs (PAN, Voter ID, DL, Passport)
Documents required for Cashless

COVID-19 Positive test report Consultation Papers Hospital Details
from ICMR authorized labs
Date: 25th May 2020

Digit Illness Group Insurance Cover: What Is The Coverage

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Go Digit General Insurance Limited

Digit Illness Group Insurance Cover

What is the coverage

Second medical opinion Covered

Sum Insured Options 50K, 1L, 1.5L, 2L, 2.5L, 3L

Terms & Conditions

Documents to be submitted before issuance

Information about members required for policy issuance

Date: 25th May 2020

Effective From 25th May 2020

*Waiver off for Co-morbidity

*Waiver of Initial waiting period

For Non Standard Proposals

Effective From 25th May 2020

*Waiver off for Co-morbidity

*Waiver of Initial waiting period

Discount Options for Large Groups

Group Size Up to 50000 50001-100000 100001-200000 >2 lakh

Discount% 0.00% 2.50% 5.00% 7.50%

Addition* and Deletion Guidelines

Documents required for Cashless

Date: 25th May 2020

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