Go Digit Double Wallet

Go Digit Double Wallet Plan is a health insurance policy crafted by Go Digit General Insurance Company. 

It is a budget-friendly health insurance option that sets itself apart from other options. The plan encompasses unique features, including an integrated personal accident cover, extensive hospitalisation coverage, assistance for non-medical expenses,   bariatric surgery coverage, etc. Although the plan provides multiple options for premium discounts, it's essential to note the absence of a monthly premium payment choice. The overall customer experience with this insurer stands out, marked by a robust track record with minimal complaints in both claim settlements and policy purchases. Thus, ensuring a positive and fulfilling journey for customers.

What are the benefits offered by the Go Digit Double Wallet Plan?

• Inpatient hospitalisation coverage: The Go Digit Double Wallet Plan extends coverage to hospitalisation expenses, encompassing all costs incurred during stays exceeding 24 hours. This includes various elements like nursing care, medical consultations, prescription medications, intensive care unit (ICU) charges, and any other related expenditures.
• Pre-hospitalisation coverage: The pre-hospitalisation coverage of the Go Digit Double Wallet Plan encompasses expenses accrued before hospitalisation, such as consultations, tests, check-ups, and more. For eligibility, these charges must be associated with the medical condition leading to hospitalisation and should be approved as part of the inpatient hospitalisation coverage. With this plan, pre-hospitalisation expenses incurred within the 30 days leading up to hospitalisation are covered up to the sum insured.
• Post-hospitalisation coverage: Post-hospitalisation expenses refer to medical costs incurred after a hospital stay, encompassing follow-up consultations, medical check-ups, rehabilitation sessions, physiotherapy, and related expenditures. To qualify for coverage, these expenses must be associated with the medical condition necessitating hospitalisation and should be approved as part of the inpatient hospitalisation coverage. The Go Digit Double Wallet Plan extends coverage for post-hospitalisation expenses for a duration of 60 days following hospitalisation, up to the sum insured.
• Daycare treatment coverage: Daycare treatment refers to medical procedures or surgeries that historically demanded prolonged hospital stays but can now be accomplished within 24 hours due to advancements in medical technology. Without any limit, the Go Digit Double Wallet Plan provides comprehensive coverage for all daycare procedures. Meaning, all expenses associated with such treatments are covered up to the selected sum insured.
• Domiciliary treatment coverage: Domiciliary treatments are medical interventions for urgent illnesses or injuries that typically require hospital care but are administered at home due to the severity of the medical situation or a shortage of nearby hospital beds. The Go Digit Double Wallet Plan extends coverage for domiciliary treatment expenses, excluding 15 specified illnesses, up to the selected sum insured.
• Organ donor coverage: The Go Digit Double Wallet Plan provides coverage for costs associated with harvesting the organ from the donor in case of an organ transplantation, where you are the recipient, up to the sum insured. Additionally, the plan includes coverage for the donor's pre and post-hospitalisation expenses related to organ harvesting up to 5% of the approved claim amount.
• Modern treatment coverage: As healthcare evolves with technological advancements, innovative treatments like stem cell therapy, robotic surgery, etc. are now addressing diseases once deemed incurable. The Go Digit Double Wallet Plan is designed to stay abreast of these advancements by providing coverage for expenses linked to modern treatments up to 50% of the chosen sum insured.
• Non-medical expenses coverage: The Go Digit Double Wallet Plan goes beyond medical expenses to cover non-medical essentials such as gloves, nebulization kits, oxygen masks, and other necessary items for treatment if you opt for an add-on.
• No Claim Bonus: The No Claim Bonus is given as an incentive if you abstain from filing claims throughout a policy year. With the Go Digit Double Wallet Plan, you can receive 10% of the sum insured as a No Claim Bonus. This bonus has the potential to accumulate, reaching a maximum limit of up to 100% of the sum insured. It's worth noting that the bonus may decrease if claims are made, at the same rate it accrued.
• Super No Claim Bonus: The Super No Claim Bonus operates much like the regular No Claim Bonus, but it's an upgraded version. However, it's important to note that the Go Digit Double Wallet Plan does not include a Super No Claim Bonus.
• Restoration Benefit: In the Go Digit Double Wallet Plan, there's a helpful feature called the restoration benefit. It steps in and replenishes your sum insured when it is depleted during a policy year. This benefit specifically caters to unrelated illnesses. For related illnesses, you can access the restoration benefit, but only if you're admitted to the hospital for that particular illness at least 45 days after the discharge from your earlier claim. To activate this benefit, both the sum insured and the No Claim Bonus need to be partially used. It's important to note that you can use this restoration benefit only once in a policy year for subsequent claims.

Please remember that the limitations and conditions mentioned in the benefits above apply to a sum insured of Rs. 10 lakhs. 

Go Digit Double Wallet : Financial Limits

• Room rent limit: Your health insurance includes a room rent limit that caters to your hospital stay expenses. Staying within this limit means no extra charges. However, if the room you opt for surpasses the specified limit, a proportional deduction comes into play. In such cases, you'll be accountable for a proportionate share of the entire bill, not solely the exceeding room rent. The positive aspect is that the Go Digit Double Wallet Plan provides the flexibility to select any room type without constraints.
• ICU rent limit: It indicates the highest coverage your health insurance extends for your stay in the ICU. What sets the Go Digit Double Wallet Plan apart is its exceptional feature of providing coverage for ICU stays without any limit, ensuring that the entire cost is covered up to the specified sum insured.
• Copayment: A copayment involves contributing a specific percentage of the claim amount from your own funds before the insurer takes over the rest of the expenses. The distinctive feature of the Go Digit Double Wallet Plan is that it doesn’t include copayment.
• Deductible: A deductible is an amount you're responsible for paying before your medical coverage starts covering your expenses. The Go Digit Double Wallet Plan stands out by not having any deductible limit.
• Limits on surgeries/treatments: It represents the highest payout your health insurance will provide for specific medical treatments or procedures. Some insurers set limits on coverage for certain procedures, but not all. The Go Digit Double Wallet Plan covers cataract treatment and joint replacement surgery up to the specified sum insured, ensuring comprehensive coverage for these procedures.

Please note that the above financial limits are taken for a 30-year-old individual, opting for a sum insured of Rs. 10 Lakhs.

Go Digit Double Wallet: Waiting Periods & Exclusions

👉Waiting period

Once you acquire a health insurance policy, there's a specific time frame during which certain illnesses and diseases may not be covered, known as the waiting period. However, once this waiting period concludes, you become eligible to claim these conditions. Here are some types of waiting periods -

• Initial waiting period: It's important to be aware that there is an initial waiting period of approximately 30 days for all medical conditions, excluding accidents. During this time frame, you won't be able to make a claim for hospitalisation, except in the case of accidents.
• Waiting period for pre-existing diseases: In essence, a pre-existing disease refers to a medical condition or illness you encountered in the 36 months preceding the purchase of a health insurance policy. Under the Go Digit Double Wallet Plan, there is a waiting period of 36 months associated with pre-existing diseases. This means that during this time frame, you won't be eligible to make any claims for expenses related to these pre-existing conditions.
• Waiting period for specific diseases:  It's important to highlight that, in addition to pre-existing diseases, insurers may have a designated list of specific medical conditions or illnesses that carry a waiting period. This waiting period is determined by the insurer and isn't influenced by your current health status. The Go Digit Double Wallet Plan enforces a waiting period of 24 months for specific diseases, irrespective of whether you have previously experienced them or not.

👉Exclusions

Health insurance policies typically exclude coverage for specific medical conditions, known as exclusions. Here are some types of exclusions -

• Standard permanent exclusions: All insurance providers must follow the 'standard permanent exclusions' outlined by IRDAI. These include -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment. 
3. Obesity/weight control: Treatment or surgery related to weight control or obesity.
4. Gender reassignment: Treatments aimed at altering the body’s characteristics to match the opposite gender. 
5. Plastic/Cosmetic surgery: Medical treatment or surgery intended to modify body characteristics or appearance.
6. Profession in hazardous or adventurous sports: Medical expenses resulting from participating in adventurous activities such as mountaineering, river rafting, scuba diving, etc., as a professional.  
7. Breach of law: Expenses incurred in treating a person who commits a criminal act or tries to attempt one.
8. Excluded providers: Treatments received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treatment for addiction to substances such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Medical expenses incurred for treatments received in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons. 
11. Dietary supplements, substances purchased without subscription: Vitamins, minerals, etc., not prescribed by a medical practitioner.
12. Refractive error: Expenses associated with correcting refractive errors of up to a maximum of 7.5 diopters to improve vision.
13. Unproven treatments: Surgeries, medical procedures, or medical treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, infertility: Costs incurred for artificial insemination, contraception, sterilisation, advanced reproductive technologies including IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc. 
15. Maternity expenses: Expenses related to pre/post-natal care, childbirth-related hospitalisation, etc. 

• Additional permanent exclusions: Insurance companies have the authority to introduce extra exclusions for specific medical conditions or situations beyond the standard permanent exclusions. If you have a severe medical condition or a particular disease deemed risky by the insurer, they might opt to exclude it from the policy permanently. The IRDAI has laid out a list of illnesses for which insurers can enforce permanent exclusions. However, it's essential to note that insurers cannot apply permanent exclusions to illnesses or diseases not included in this list.
• Non-standard exclusions (Specific exclusions): Specific exclusions refer to medical conditions not covered by a health insurance policy, in addition to the standard permanent exclusions outlined by the IRDAI. These exclusions can vary among insurance providers and are contingent upon the policy's terms and conditions. Here are some notable specific exclusions under the Go Digit Double Wallet Plan –

1. Usage of ventilator for a patient in a vegetative state (brain dead) with no chance for recovery.
2. Treatment linked to intentional self-inflicted injury or attempted suicide by any means.
3. Circumcision unless required due to accident or for treatment of a disease.
4. Expenses linked to hair loss treatments and products.
5. Aesthetic surgeries of any type.
6. Expenses linked to screening, counselling or treatment of external birth defects.
7. Injury or illness resulting from involvement in naval, military or air force operations.
8. Expenses related to vaccination, inoculation or other similar treatments (except for post animal bite treatment).
9. Expenses related to provision or fitting of hearing aids, spectacles, contact lenses and other similar products.
10. Expenses related to elastic stockings, diabetic test strips and other similar medical supplies.
11. Injury or disease resulting from war, invasion, act of foreign enemy, terrorism, chemical contamination, etc.
12. Any legal liability arising from any errors, omissions, or representations of any action taken by hospital/ medical practitioner.
13. Expenses related to prosthetics and non-surgically implanted devices.
14. Dental treatment unless needed due to an accident.
15. Expenses linked to any non-allopathic or alternative treatment except Ayurveda, Unani, Siddha and Homeopathy.
16. Expenses linked to weight loss surgery.

What to expect in terms of claims experience if you buy from Go Digit General Insurance Company Limited?

• Speed of claims: Go Digit General Insurance Company has settled 80.76% of claims within 30 days. This shows that they need to enhance their efficiency in claims processing further.
• Claim-related complaints: Our research indicates that Go Digit General Insurance Company has received a minimal number of complaints related to claims, standing at just 0.16%. This suggests that their claims settlement process is smooth and effective.
• Claims incurred ratio: It reflects the financial performance of the company. It represents the total number of claims incurred by the insurance company compared to the total premiums they collected in a given financial year. Go Digit General Insurance Company has a claim incurred ratio of 93.87%. 
• Claim settlement ratio: This refers to the percentage of claims successfully settled by the insurer compared to the total number of claims received in a financial year. The claim settlement ratio of the Go Digit General Insurance Company is 90.69%. 
• Network hospitals: With a network spanning over 16,400+ hospitals, Go Digit General Insurance Company offers you the convenience of cashless treatments at an extensive array of healthcare facilities.

How is the customer service of Go Digit General Insurance Company Limited?

• Policy purchase-related complaints: Our research highlights that Go Digit General Insurance Company boasts an exceptionally low complaint rate of 0.01% regarding their after-sales service, as compared to other insurers. 
• Response on toll-free: As per our research, Go Digit General Insurance Company's response on their toll-free number is quick, as compared to other insurance companies.
• Response on Twitter: Go Digit General Insurance Company's response on their Twitter channel is slow when compared to other insurance companies.

About Go Digit General Insurance Company Limited

Go Digit General Insurance Company Limited distinguishes itself as an insurer committed to delivering inventive and customer-oriented insurance solutions. Offering an extensive array of insurance products such as motor insurance, health insurance, international travel insurance, home insurance, shop insurance, etc. the company strives to cater to the diverse needs of its clientele. Established in 2016 and based in Bengaluru, India, it is led by Jasleen Kohli, serving as the CEO and MD.