If found positive for COVID-19 from any authorised centres of ICMR – National Institute of Virology, Pune, Digit gives 100 per cent of claim amount
Digit Insurance, recently announced the launch of its latest insurance product that will cushion an individual against the deadly Coronavirus Disease (COVID-19).
A need based insurance cover has been built under their health insurance product Digit Health Care Plus and filed under IRDAI’s Sandbox Regulations that encourages insurers to launch and test innovative product offerings for the Indian consumers.
Highlights of the cover:
What is covered?
Ongoing treatment: If the test for coronavirus disease (COVID-19) is found positive for COVID-19 from any of the authorised centres of ICMR – National Institute of Virology, Pune, Digit gives 100 per cent of the claim amount. No need to wait for the completion of treatment.
Quarantine cases: If only quarantine is advised in a Govt or Army/Military hospital, Digit will give 50 per cent lump-sum of the claim amount for a consecutive period of 14 days. This is applicable even if coronavirus disease (COVID-19) is later negative as it covers the screening and treatment costs.
Benefits of the cover?
Fixed benefit cover: Therefore, no hassle of hospitalisation bills as getting detected with the disease is already quite stressful.
Simple claims: No hard copies required. For claims, the insured just needs to submit a certificate from a government medical officer to start the treatment for coronavirus disease (COVID-19) or a positive virology report from ICMR – National Institute of Virology – Pune, India.
Choice of coverage up to two lakh: One can choose from multiple sum insured options starting from ₹25,000.
Kamesh Goyal, Chairman, Digit Insurance, said, “It is unfortunate to contract an infection for which treatments are still in the trial phases. In such a time, we saw this cover to be the need of the hour. We understand that at such a devastating time, customers wouldn’t want to be stuck doing paperwork and running around to raise money to pay for the multiple screening and treatment tests. Therefore, we are offering this as a flat benefit cushion cover, for both positive and quarantined cases. While for positive cases we pay 100 per cent, 50 per cent of sum insured is paid for quarantined cases so that even in the smallest way possible, it compensates for the loss of income during this period.”
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