Digit Health Insurance for NRIs

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      Overview of Digit Health Insurance for NRIs

      Digit Health Insurance for NRIs provides comprehensive medical coverage for planned and emergency medical expenses incurred by NRIs or non-resident Indians. It covers the cost of medical expenditures incurred within India and abroad. It also comes with attractive benefits, including sum insured refill benefit, psychiatric illness cover, preventive health check-up benefit, etc.

       
      Digit Health Insurance for NRI in Detail
      Digit Health Care Plus Plan

      The Digit Health Care Plus plan provides a sum insured of up to 3 crore. It is available in Super Care and Early Cover options..

      Coverage Benefits:

      • In-patient treatment, alternate treatment and OPD treatment are covered
      • Maternity benefit & newborn baby cover and infertility treatment cover are available
      • Accidental dental treatment, psychiatric illness and bariatric surgery are covered
      • Cancer benefit, critical illness benefit and long hospitalization cash benefit are available
      Read more
      Digit Health Insurance Plan

      The Digit Health Insurance policy comes with a sum insured of up to Rs 3 crore. It is available in six variants - Double Wallet, Infinity Wallet, Worldwide Treatment, Early Start, Senior Priority and Carry Forward Sum Insured plans..

      Coverage Benefits:

      • Coverage for hospitalization expenses, home expenses and day care procedures are available
      • Psychiatric illness, bariatric surgery, road ambulance and air ambulance charges are covered
      • Worldwide coverage, maternity benefit and personal accident cover are available
      • Consumables cover, AYUSH hospitalization, waiting period modification and network hospital discount are available as optional covers
      Read more

      Benefits of Digit Health Insurance for NRI

      Check out the benefits that NRIs can enjoy by purchasing a Digit health insurance policy:

      • Sum Insured Refill Benefit: With this benefit, the coverage amount of the NRI health insurance policy will be refilled in case it was exhausted during a claim. Some Digit health plans offer this benefit unlimited times in a policy year.
      • Health Check-up: Go Digit General Insurance will cover the cost of preventive health check-ups availed by NRIs at regular intervals.
      • Cumulative Bonus: Policyholders can increase their sum insured with a cumulative bonus if they do not raise a claim in the previous policy year.
      • Tax Benefits: As per the Income Tax Act (Sec 80D), NRIs can earn tax deductions on the paid Digit health insurance for NRI price.

      How to Buy Digit Health Insurance for NRI?

      Here is the step-by-step procedure for NRIs to buy a Digit health insurance policy:

      Step 1: Go to the ‘Health Insurance’ icon on the homepage of Policybazaar.com

      Step 2: Select the family members to be insured and enter their current age

      Step 3: Provide your city of residence in India and mobile number with the current country code

      Step 4: Enter your name & gender and provide details of your medical history, if any

      Step 5: Select the Digit health plan that the NRI wants to buy

      Step 6: Crosscheck all the details and pay the Digit health insurance for NRI cost online

      Go Digit General Insurance will issue the health policy to the NRI.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to Renew Digit Health Insurance for NRI?

      NRIs can follow the steps given below to renew their Digit health insurance policy:

      Step 1: Log in to Policybazaar.com and go to the ‘Renew Your Policy’ tab

      Step 2: Pick ‘Health Renewal’ from the dropdown menu

      Step 3: Fill in your mobile number with your country code and enter the OTP 

      Step 4: NRIs using Policybazaar.com for the first time can select ‘Health Insurance’ on the homepage

      Step 5: Enter the requested details, such as mobile number, gender, etc. and choose the people to be insured

      Step 6: Pick the Digit health insurance policy to be renewed and crosscheck all the details

      Step 7: Pay the health insurance renewal premium online

      The insurer will renew the policy and share the policy document with the NRI.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to File a Claim with Digit Health Insurance for NRI?

      Take a look at the process for NRIs to file a claim with Digit health insurance:

      1

      Inform the Insurer

      Notify Go Digit General Insurance about your emergency hospitalization within 24 hours and planned hospitalization at least 2 to 3 days in advance.

      2

      Show the Required Documents

      Display your Digit e-health card at the Mediassist/Insurance helpdesk at the network hospital and ask for the pre-approval form.

      3

      Submit the Pre-Approval Form

      Duly fill up & sign the pre-approval form and submit it at the hospital helpdesk.

      4

      Cashless Treatment Approval

      The insurance company will approve the cashless treatment of the NRI after reviewing the pre-approval form and other documents received from the hospital.

      5

      Pay the Non-medical Bills

      At the time of hospital discharge, the NRI must pay the bills for all the non-medical items that are not covered by the policy.

      6

      Claims Payment

      The insurer will review all the documents and pay the claim amount to the network hospital.

      For reimbursement claims, the NRI must pay the entire hospital bill amount when getting discharged and collect all the documents, including bills and payment receipts. Self-attest all the documents and write ‘For Digit Health Insurance’ on them. Upload all the required documents on the link shared by the insurer within 30 days of getting discharged from the hospital. The insurance company will review all the documents and pay the claim amount to the NRI within 30 days of receiving the documents.

      Policybazaar exclusive benefits
      • On ground claims support(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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