January 27, 2023

Digit Insurance’s Smart Option Plan is a comprehensive health insurance policy that offers a wide range of features and benefits to policyholders. Some of the key features of this plan include:

  1. Coverage Limit: The plan provides coverage of up to INR 5,00,000.
  2. Wide Network of Hospitals: The plan has a wide network of impaneled hospitals where policyholders can avail of cashless treatment.
  3. Pre and Post-hospitalization Expenses: The plan covers expenses incurred before and after hospitalization, including diagnostic tests and doctor consultations.
  4. Daycare Procedures: The plan covers certain procedures that do not require an overnight stay in the hospital.
  5. Critical Illness Coverage: The plan provides coverage for several critical illnesses, such as cancer, heart attack, and stroke.
  6. Inpatient and Outpatient Coverage: The plan offers coverage for both inpatient and outpatient treatment, including diagnostic tests, doctor consultations, and other medical treatments that do not require a hospital stay.
  7. Additional Benefits: The plan includes coverage for Ayurvedic and Homeopathic treatments, coverage for organ donor expenses, and coverage for health check-ups.
  8. No-claim Bonus: Policyholders who do not make any claims during the policy year are eligible for a discount on the premium for the next policy year.
  9. Exclusions: The plan does not cover expenses related to self-inflicted injuries, suicide, or any illness or injury that arises due to the policyholder’s involvement in criminal activities. Additionally, pre-existing conditions are not covered under the policy for the first 48 months of the policy period.

“Understanding the Inpatient and Outpatient Coverage, Critical Illness Protection, and No-Claim Bonus of Digit Insurance’s Smart Option Plan”

One of the major benefits of the Smart Option policy is that it offers coverage for both inpatient and outpatient treatment. This means that policyholders can receive coverage for both hospitalization expenses and expenses related to diagnostic tests, doctor consultations, and other medical treatments that do not require a hospital stay.

The policy also offers a range of additional benefits, such as coverage for Ayurvedic and Homeopathic treatments, coverage for organ donor expenses, and coverage for health check-ups. It also includes a feature of a no-claim bonus, which means that if a policyholder does not make any claims during the policy year, they will be eligible for a discount on the premium for the next policy year.

In terms of exclusions, the policy does not cover expenses related to self-inflicted injuries, suicide, or any illness or injury that arises due to the policyholder’s involvement in criminal activities. Additionally, pre-existing conditions are not covered under the policy for the first 48 months of the policy period.

In summary, the Digit Insurance Smart Option Plan is a comprehensive and affordable health insurance policy that offers a wide range of features and benefits to policyholders, including coverage for both inpatient and outpatient treatment, coverage for critical illnesses, and a range of additional benefits. It’s a great option for those looking for a comprehensive health insurance policy.

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