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Go Digit Double Wallet

Introduction to Go Digit Double Wallet

Go Digit Double Wallet Plan is a health insurance policy offered by Go Digit General Insurance Company Limited. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. Go Digit’s Double Wallet Plan is a robust plan that acts as a financial safeguard, shielding you from unexpected medical expenses. It is a comprehensive and affordable health insurance plan that provides highly flexible coverage and a variety of features and benefits to meet your and your family’s unique medical needs.

Verdict: Go Digit Double Wallet

This plan is significantly cheaper and a budget-friendly alternative to other products in the market. It offers numerous unique features, including an inbuilt Personal Accident cover, and covers various expenses associated with hospitalization, non-medical costs, bariatric surgery, and so on. The plan also allows multiple options so that you can get discounts on your premium. However, it does not provide the option to pay your premiums monthly. Speaking of purchase and claims experience, you are likely to have a pleasant experience with the insurer as they received fewer claim settlement and policy purchase complaints.

Pros & Cons: Go Digit Double Wallet

  • arrow Cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Offers inbuilt Personal Accident coverage
  • arrow Multiple options available for getting premium discounts
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Covers Bariatric surgery for weight loss
  • arrow Received fewer complaints during policy purchase compared to other insurers
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Only available for families, not individuals
  • arrow Monthly premium payment mode not available

Specific Exclusions: Go Digit Double Wallet

01 Use of ventilator for a patient in vegetative state (brain dead) without any chances of recovery
02 Treatment related to intentional self inflicted injury or attempted suicide by any means
03 Circumcision unless necessary for treating a disease or injury
04 Expenses related to hair loss treatments and products
+ Show 12 more


About Go Digit General Insurance Company Limited

Go Digit General Insurance Company Limited logo

Go Digit General Insurance Company Limited is an insurance company that focuses on providing innovative and customer-centric insurance solutions. With a wide range of insurance products including motor insurance, health insurance, international travel insurance, home insurance and shop insurance, the company aims to meet the diverse needs of its customers. It was founded in 2016 and is headquartered in Bengaluru, India. Jasleen Kohli is the company's CEO and MD.

Founded in
2016
JV Partners
-
Turnover (GWP)
450.97 Crores
Number of Policies
26,16,747
Number of Claims
1,83,609

Detailed Product Specs: Go Digit Double Wallet

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
85.35%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.14%
Claims Incurred Ratio
82.53%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
71.52%
No. of Cashless Hospitals
10,500+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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