Go Digit Worldwide Treatment

The Go Digit General Insurance Company Limited offers the policy Go Digit Worldwide Treatment. Many people prefer the plan due to its huge range of benefits and affordable pricing range to reduce their financial stress. The plan ensures worldwide coverage for all medical treatments along with an in-built Personal Accident cover.  The plan further covers both medical and non-medical expenses along with bariatric surgery. The plan provides multiple provisions for you to avail of premium discounts. 

The plan provides beneficial provisions for urgent medical attention to protect you and your loved ones. The plan also ensures a positive experience as there are fewer policy and claim settlement complaints.  However, OPD and maternity expenses are not covered under the plan. Another flipside of the plan is that there is no monthly premium payment option. 

What are the benefits offered by the Go Digit Worldwide Treatment Plan?

• In-patient hospitalisation coverage: In-patient hospitalization coverage arises when the patient is admitted to the hospital for more than 24 hours. Expenses incurred due to doctor consultations, nursing care, ICU and hospital room, and medication charges come under in-patient hospitalization coverage. The Go Digit Worldwide Treatment plan offers coverage for different types of in-patient hospitalization. The plan covers both room and ICU rent for the insured without any limit. 
• Pre-hospitalisation coverage: Pre-hospitalization coverage refers to the medical expenses incurred before the insured is admitted to the hospital. Expenses related to diagnostic and laboratory tests, medications, and doctor’s consultations come under pre-hospitalization coverage. Pre-hospitalization coverage can only be provided when the hospitalization is related to the medical condition of the insured. Tests such as X-rays, MRIs, and CT scans are also a part of the pre-hospitalization coverage. The Go Digit Worldwide Treatment plan covers all pre-hospitalization expenses for 60 days before the hospitalization of the insured. All expenses are covered up to the sum insured.   
• Post-hospitalisation coverage: Post-hospitalization coverage refers to the expenses incurred after the discharge of the insured from the hospital. Expenses for post-hospitalization coverage include regular follow-ups, consultations, medication adherence, and other diagnostic tests. Post-hospitalization coverage should be approved as part of the in-patient hospitalization coverage as well. The Go Digit Worldwide Treatment plan covers all post-hospitalization treatment for 180 days up to the sum insured. 
• Daycare treatment coverage: Daycare treatment coverage refers to the particular medical procedures that can be completed within 24 hours of hospitalization. Treatments such as radiotherapy, dialysis, cataracts, and chemotherapy come under daycare treatment coverage as they do not require an extended hospital stay. The Go Digit Worldwide Treatment plan provides comprehensive coverage for all kinds of daycare treatments. The plan covers daycare treatments without any financial limit.
• Domiciliary treatment coverage: Domiciliary treatments are the treatments administered in the residence of the patient. These refer to injuries or illnesses requiring urgent medical interventions, and it might not be safe to transfer the patient to the hospital.  The Go Digit Worldwide Treatment plan covers expenses of various illnesses up to the sum insured in domiciliary treatment. A range of 15 illnesses is not covered under domiciliary treatment coverage. 
• Organ donor coverage: The Go Digit Worldwide Treatment plan also provides coverage for organ donor expenses. It covers the costs associated with harvesting the organ up to the sum insured for the recipient. Furthermore, both pre and post-hospitalization expenses of the donor for organ harvesting are covered up to 5% of the approved claim amount.  
• Modern treatment coverage: Modern treatment coverage utilizes high-end medical innovations and technologies to treat health conditions once thought to be implausible. Treatments such as robotic surgeries, oral chemotherapy, and stem cell therapy are covered under modern treatments. The Go Digit Worldwide Treatment plan keeps up with the latest medical developments. However, there is a financial limit to modern treatments. It provides coverage up to 50% of the sum insured. 
• Non-medical expenses coverage: Non-medical expenses are the specific expenses incurred due to staying in the hospital. Non-medical expenses comprise the cost of gloves, pulse oximeters, thermometers, personal care items, nebulization kits, and many others. The Go Digit Worldwide Treatment plan covers non-medical expenses, but it is only present as an add-on feature. There is no limit on non-medical expenses as provided by the plan. 
• No Claim Bonus: It is a specific reward provided by the insurance companies to the insured people when they do not make any claim in the specific policy year. The Go Digit Worldwide Treatment plan offers a no claim bonus of 50% every year. However, you can accumulate 100% of the maximum bonus. There will also be a reduction in the accumulated bonus due to any claim if you do not make any claim. 
• Super No Claim Bonus: The super no claim bonus is the enhanced version of the no claim bonus. It refers to the increased coverage in the sum insured provided during each claim-free year. The Go Digit Worldwide Treatment does not provide any provisions for a super no claim bonus in its plan. 
• Restoration benefit: Restoration benefit is the feature through which an additional sum insured can be integrated after the exhaustion of the primary sum insured in that specific policy year. The Go Digit Worldwide Treatment plan only provides provisions for unrelated illnesses in its restoration benefit. It is also available after 45 days for any related illness of the insured. It is crucial to note you will only be provided with restoration benefits for related illnesses if you were hospitalized for that illness at least 45 days from your earlier claim’s discharge date. The refill can be applied once in each policy year, and the cover can be applied for subsequent claims. The refill will trigger after the partial exhaustion of the No Claim Bonus and the sum insured. 

Go Digit Worldwide Treatment: Financial Limits

• Room rent limit: A room rent limit is the maximum extent to which your health insurance provider will cover your hospital room. You do not need to pay any extra charge when you choose the room according to its limit. However, many insurance providers can impose a room rent limit, which can vary from policy to policy. With the Go Digit Worldwide Treatment plan, you do not have any restrictions to choose the type of hospital room you prefer. 
• ICU rent limit: The ICU rent limit is the highest amount paid by your insurance agent for staying in the intensive care unit of the hospital. In the Go Digit Worldwide Treatment plan, there is no limit on the ICU rent. The plan aims to cover the entire cost of ICU rent up to the sum insured. 
• Co-payment: A copayment, or copay, is the particular claim percentage that needs to be paid from the expenses of the insured independent of the claim amount. The remaining payment is then paid by the insurer.  The Go Digit Worldwide Treatment does not have any provisions for co-payment.
• Deductible: The deductible refers to the particular amount that needs to be paid by the insured before their insurance plan begins to pay the remaining expenses. The Go Digit Worldwide Treatment does not have any deductibles in its entire plan. 
• Limits on surgeries/treatments: Limits on surgeries and treatments refer to the maximum amount paid by the insurance policy for the treatment of specific diseases or illnesses. Certain medical procedures can have predetermined limits. With the Go Digit Worldwide Treatment plan, there is a limit on joint replacement and cataract treatment surgeries up to the sum insured. 

Go Digit Worldwide Treatment: Waiting Periods & Exclusions

👉Waiting period

The waiting period is the specific time when you need to wait before receiving the insurance benefits. Certain medical conditions and illnesses cannot be covered immediately after purchasing the health care policy. The insurance company will start kicking in to pay for your medical expenses after the completion of your waiting period. 

Some of the types of waiting periods have been provided below. 

• Initial waiting period: All medical conditions or illnesses have an initial waiting period of 30 days. However, your insurance company will be able to compensate for accidents during the time frame. You will not be allowed to make any other claim during this period. 
• Waiting period for pre-existing conditions: Certain pre-existing health conditions have a specified waiting period. It refers to medical conditions or illnesses that have been experienced by you within 36 months of purchasing the policy. The Go Digit Worldwide Treatment plan has a pre-existing waiting period of 36 months. You will not be allowed to make any claim for your pre-existing illnesses during this period.
• Waiting period for specific diseases: Certain medical conditions and illnesses can have a specific duration of waiting time as determined by your insurer. This waiting period will be implemented regardless of whether you suffer from those medical conditions or not. The insurance company determines this waiting period independent of your current health condition. The Go Digit Worldwide Treatment plan has a waiting period of 24 months for specified treatments. 

👉Exclusions

Certain healthcare conditions and diseases will not be covered by your health insurance companies, which are deemed as exclusions. 

Let’s learn about some of these exclusions below-

• Standard Permanent Exclusions: The IRDAI has provided a list of standard permanent exclusions that all health insurance companies need to adhere to at all times. Below is the list of the standard permanent exclusions -

1. Investigation and evaluation: Continuous monitoring and observation in hospital admission. 
2. Rest, rehabilitation, and respite care: Admission to a medical institute for bed rest without any active treatment. 
3. Obesity/weight control: Treatments or interventions associated with obesity or weight control.
4. Gender reassignment: Medical procedures related to modifying the characteristics of the body for matching to the opposite sex. 
5. Plastic/Cosmetic surgery: Medical treatments or surgeries to alter the physical appearance.
6. Profession in hazardous or adventure sports: Treatment expenses incurred from participating in adventurous activities such as mountaineering, rafting, skiing, and others as a professional.  
7. Breach of law: Treatment expenses due to treating a person who has committed a criminal offence. 
8. Excluded providers: Medical treatments received from medical practitioners or hospitals, which have been excluded by the insurance company.
9. Narcotics: Treatment of substance abuse disorders such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Treatment expenses due to treatments received in nursing homes and other similar health establishments arranged for residential reasons. 
11. Dietary supplements, substances purchased without subscription: Supplements such as vitamins and minerals that have been obtained without any prescription.
12. Refractive error: Treatment expenditures incurred for the correction of refractive errors in eyesight to 7.5 diopters. 
13. Unproven treatments: Ineffective surgeries, medical procedures, and other treatment modalities.
14. Expenses related to birth control, sterility, and infertility: Expenses incurred due to IVF, GIFT, gestational surgery, and other methods of contraception and sterilization. 
15. Maternity expenses: Expenses incurred in the hospital due to childbirth and pre - and post-natal costs. 

• Additional permanent exclusions: Additional exclusions can be integrated by the insurance companies for specific illnesses or diseases other than the standard permanent exclusions. These generally occur if insurers consider certain illnesses or situations to be too risky to cover. They will be provided with the opportunity to permanently exclude them from their policy. Nevertheless, the Insurance Regulatory and Development Authority of India (IRDAI) needs to be adhered to at all costs while applying for permanent exclusions. Any medical conditions beyond the list cannot be excluded as per the norms. 
• Non-standard exclusions (Specific exclusions): Non-standard exclusions or specific exclusions can move beyond the standard permanent exclusions imposed by the IRDAI. Different insurance agencies have different terms and conditions related to these additional specific exclusions. 

The non-standard exclusions of the Go Digit Worldwide Treatment plan are provided below-

1. Treatment of a patient in ventilator support who is in a vegetative or brain-dead state without any recovery chance. 
2. Treatment of a person who has attempted suicide or intentional self-inflicted injuries. 
3. Expenses incurred due to hair loss products and treatments. 
4. Treatment of circumcision unless it is medically necessary to treat a particular disease. 
5. Any surgery for aesthetic purposes. 
6. Treatment of injuries and illnesses occurred due to air force, military, and naval operations. 
7. Expenses incurred due to treatment and other screening facilities for external birth defects. 
8. Expenses due to inoculation and vaccination, excluding animal bite treatments.
9. Expenses incurred for contact lenses, spectacles, and hearing aids.
10. Illnesses or injuries due to acts of terrorism, invasion, war, chemical contamination, or acts of foreign enemies. 
11. Expenses incurred due to diabetic test strips and elastic stockings. 
12. Treatment through non-surgically implanted devices as well as prosthetics. 
13. Omissions, errors, or any representation error by the medical practitioner or hospital authorities requiring legal liabilities. 
14. Provisions for dental procedures except treatment required due to any accident. 
15. Expenses incurred due to alternative and non-allopathic treatments such as Unani, Ayurveda, Homeopathy, and Siddha.
16. Treatment of any weight-loss surgery. 

What to expect in terms of claims experience if you buy from Go Digit Worldwide Treatment?

• Speed of claims: Go Digit Worldwide Treatment has settled 80.76% of its claims within 30 days.  This ensures that clients are provided with a smooth and timely service for all insured people. 
• Claim-related complaints: Research indicated that Go Digit Worldwide Treatment has a claim-related complaint of 0.16%. This rate is quite low compared to other similar insurance companies. 
• Claims incurred ratio: The financial performance of the insurer can be determined through the claim incurred ratio. Go Digit Worldwide Treatment has a claim incurred ratio of 93.87%. The percentage indicates how well the company resolves the claims of its clients. 
• Claim settlement ratio: Go Digit Worldwide Treatment’s claim settlement ratio stands at 90.69%. This indicates how well the insurance company effectively settled its claims in one policy year. 
• Network hospitals: Go Digit Worldwide Treatment has an exclusive network of more than 16,400+ hospitals. This enhanced network allows the provision for receiving cashless treatment without any financial distress. 

How is the customer service of Go Digit Worldwide Treatment?

• Policy purchase-related complaints: Based on our research, Go Digit Worldwide Treatment has received 0.01% of complaints related to its after-sales service. This indicates that there are no purchase-related complaints about the insurance policy.  
• Response on Toll-Free: Research indicates that Go Digit Worldwide Treatment response time on their toll-free is quick as compared to other similar insurers.  
• Response on Twitter: Go Digit Worldwide Treatment has a slow response time on Twitter. 

About Go Digit General Insurance Company Limited

The Go Digit General Insurance Company Limited emphasizes customer-centered, innovative solutions for all insured people. The company was founded in 2016 and is headquartered in Bengaluru, India. It has a turnover of 450.97 Crores with 26,16,747 total policies. Conversely, the company has a total number of claims of 1,83,609. Insurances such as motor, health, home, shop, and international travel insurance are provided through the company. Currently, the CEO and MD of the company is Jasleen Kohli.