Overview
The Digit Worldwide Treatment Plan offers comprehensive coverage that extends beyond geographical boundaries. As the name suggests, it covers inpatient hospitalization, daycare procedures, pre- and post-hospitalization, road ambulance, and psychiatric illnesses, not just in India but worldwide. Plus, it includes organ donor expenses and a health check-up benefit at the end of every continuous policy year, without impacting your sum insured.
Experts Review
Written by Nikhil Nair
Senior Writer
The big selling point here is right in the name: "Worldwide." This plan gives you access to medical treatment across the globe. If you're someone who travels frequently or wants the option to seek the best medical care internationally, this is a major advantage.
Also, the Worldwide Treatment policy extends coverage for planned and emergency hospitalizations abroad. At the same time, it offers a personal accident benefit with a lump sum of ₹1,00,000 paid out in the event the policyholder passes away in an accident. The Worldwide Treatment plan also comes with a bonus that increases your coverage by 50% every year, which can grow up to 100% of the original sum insured.
It is, however, important to note that Digit is a relatively new player in the health insurance market with limited metrics supporting its track record. While this does not indicate buying a policy from the insurer is a bad choice, it is something critical to consider before buying a policy.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
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
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.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Consumables Cover
Recommended
Covers list of 68 non-medical items as per list I
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Legal liablity
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
P
Prakash Mishra
Worldwide treatment access is the main reason I chose this. Perfect for frequent international travel or seeking global care.
P
Preeti Iyer
Covers planned and emergency hospitalizations abroad. Very reassuring.
R
Rahul Menon
Personal accident benefit of ₹1,00,000 lump sum is a significant add-on.
R
Rishi Chandra
Must check the terms and conditions for worldwide treatment very carefully, especially exclusions.
R
Ravi Das
Again, Digit is new, so their global network and claim process for worldwide treatment needs to be tested overtime.
R
Ramesh Jain
Health check-up benefit without impacting sum insured is a standard good feature.
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Frequently Asked Questions
Does Worldwide Treatment 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 Worldwide Treatment have room rent restrictions?
Does Worldwide Treatment offer a restoration benefit?
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