Overview
The Digit Infinity Wallet Plan offers extensive health coverage with unlimited replenishment of the sum insured. Its key features include coverage for inpatient hospitalization, daycare procedures, pre- and post-hospitalization, road ambulance, and psychiatric illnesses. It also includes a health check-up at the end of every continuous policy year, without reducing your sum insured.
Experts Review
Written by Ishita Jain
Editor
The standout feature of the Digit Infinity Wallet plan is the "infinity wallet" that gives you unlimited restoration of the sum insured. This is a game-changer for anyone worried about exhausting their coverage. The benefit of having this feature is that it gives you a peace of mind that your healthcare costs will be taken care of, always. Additionally, it's worth calling out the bariatric surgery coverage, which can be a crucial step on your journey to building and living a healthy lifestyle.
A key feature is the plan’s in-built personal accident cover that pays out a lump sum of ₹1,00,000 in the event the insured has a fatal accident. Also, the policy comes with a no-claim bonus of 50% every claim-free year with a cap of 100%, which means you can double your original sum insured in two years.
On the downside, Digit is a relatively new player in the health insurance market and thus, has limited metrics to back its track record. This is something that you must consider before making a final purchase decision.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Offers Personal Accident Cover, which makes this policy stand out.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
Digit
Key Insights
Founded
2016
Digit was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
99% claims settled in 30 Days
Digit settles 99% of all claims it receives demonstrating strong credibility.
Network Hospitals
16,400+
Digit has a strong network with over 16,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
17 complaints per 10,000 claims registered
Digit experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Personal Accident Cover
STANDOUT
In-built Personal Accident cover, the insurance company will payout a lumpsum of ₹1,00,000 in case the insured person passes away in an accident.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Add-ons
Consumables Cover
Recommended
Consumables Cover
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Legal liability
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Non-infective arthritis, Osteoarthritis and Osteoporosis (if age related), including:
Systemic Connective Tissue disorders
Dorsopathies
Spondylopathies
Inflammatory Polyarthropathies
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Maternity benefits not offered.
Doctor consultations are not covered.
Customer Reviews
M
Mahesh Sharma
Infinity wallet with unlimited restoration of sum insured is absolutely fantastic! No more worries about exhausting cover.
M
Manju Verma
Bariatric surgery coverage is a great benefit for those needing it. Shows inclusiveness.
M
Mohan Gupta
In-built personal accident cover of ₹1,00,000 provides a good safety net for the family.
P
Poonam Joshi
Need to read the fine print carefully as with any new insurer's innovative plans.
N
Nitin Khan
Digit being a new insurer means less historical data on claims.
N
Naveen Patel
Health check-up benefit every year without affecting sum insured is a nice perk.
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Frequently Asked Questions
Does Infinity Wallet have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Infinity Wallet have room rent restrictions?
Does Infinity Wallet offer a restoration benefit?
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