Total Protect Policy

For Protection Against Personal Accident

Digit Total Protect Policy Advantage

Completely Modular Digital Claims Settlement 5800+ Cashless Network

product process Hospitals*

%
2X benefit for Daily Hospital Multiple Cumulative Bonus Discount on long term policy
Cash on ICU Hospitalization options to choose from 4% for 2yr & 8% for 3yr term

Our Distinguished Features

Long Hospitalization Out-Patient (OPD) Coma Benefit, Fracture Lifestyle Modification

Cash Benefit Benefit and Burns Cover Benefit

Expense for External Compassionate Children Education, Home (Domiciliary)

Aids and Appliances Visit and Trauma Marriage Expense for Child Hospitalization
Counselling & Orphan Benefit

*With our TPA Mediassist

Things to Know

AGE

Policy Tenure Sum Insured type Age Limit Sum Insured Family Definition* Free Lookup
1 / 2 / 3 year Individual 18 years to Options Self+ Spouse+ Period
65 years 1 L to 25 L 4 Dependent Children** 15 days

*Policy for parents (Mother + Father or Mother in Law + Father in Law) of age below 65 years can be bought as a separate policy
**Dependent children of age 3 month to 25 years can be covered

Strictly for internal circulation and training purpose only.

 What is covered under Digit Total Protect Policy
Digit gives you a variety of options to choose from.
You can select coverages and create a package as per your requirements!

Section Options Available with the limits

Accidental Death 100% of SI up to 25 Lakhs
Permanent Total Disablement 100% / 125% / 150% of SI up to Max 25 Lakhs
Permanent Partial Disablement* 0% / 100% up to Max 25 Lakhs

0% / 0.5% / 1% of SI per week for 100 weeks

Loss of Income Benefit
with 1 week deductible up to max INR 5000 per week

Children Education Benefit*** 0% / 5% / 10% of SI

Marriage Expense for Child Benefit*** 0% / 5% / 10% of SI
Orphan Benefit for Children*** 0% / 5% / 10% of SI
Funeral Expenses 0% / 1% / 2% of SI
Transportation Expenses 0% / 1% / 2% of SI
Trauma Counselling 0% / 1% / 2% of SI

A. Hospitalization Expenses 0% / 50% / 60% / 70% / 80% / 90% / 100% of SI max up to 5 Lakhs

B. Day Care Procedures Covered up to SI opted for Accidental Hospitalization Cover

C. Pre-Hospitalization Expenses 30 days

Accidental
D. Post-Hospitalization Expenses 60 days
Hospitalization
Cover E. Dental Treatment Covered up to SI opted for Accidental Hospitalization Cover
F. Road Ambulance 1% of SI opted for Accidental Hospitalization upto INR 5000
G. Second Medical Opinion Covered up to SI opted for Accidental Hospitalization Cover
Transportation of Imported
H. Covered up to SI opted for Accidental Hospitalization Cover
Medicine
Home (Domiciliary) Hospitalization Covered up to SI opted for Accidental Hospitalization Cover

INR 0 / INR 5000 / INR 10000 Lumpsum payment

Long Hospitalization Cash Benefit
on minimum 1 week of hospitalization

INR 0 / INR 500 / INR 1000 per day for 30 days with 1-day
Daily Hospital Cash Cover
deductible

Out Patient (OPD) Benefit INR 0 / INR 2500 / INR 5000

Coma Benefit Cover 0% / 10% / 20% of SI
Fracture Cover* 0% / 10% / 20% of SI
Burns Cover* 0% / 10% / 20% of SI
Lifestyle Modification Benefit 0% / 5% / 10% of SI
Expense for External Aids and Appliances 0% / 5% / 10% of SI
Compassionate Visit 0% / 5% / 10% of SI

• 5% of Base SI for each claim free year up to max 25%

Cumulative Bonus** • 10% of Base SI for each claim free year up to max 50%
• 20% of Base SI for each claim free year up to max 100%

*Claims will be paid as per the sublimit mentioned in the table of benefits in policy wordings against the respective section
**Cumulative Bonus will be applicable only on SI for Section- 1 Death, Section 2-PTD, Section 3-PPD and Section 11-Accidental Hospitalization.
***This section is applicable for dependent children below 25 years who are unmarried.

Who can Buy this Policy?

Risk Class I corresponds to insured members engaged in administrative

or managing functions or Desk jobs like :

RISK • Banking • Software Engineer • Accountant / Auditors / CA

CLASS I • Teacher / Lecturer • Designers • Office Executives
• Artist / Painter / writers • Home Maker • Consultants working in office
• Shopkeepers • School Going students • Domestic Help

Risk Class II corresponds to person engaged in manual labour

• Postman • Photographer • Industrial Workers (Non-Hazard)*

• Mechanics • Sanitation workers • College / University Students
RISK • Drivers and Conductors • Airline Staff (Crew & Ground both) • Hospitality & Tourism workers (Non Desk)
CLASS II • Veterinary Doctor • Security Officers / Guard • Chefs / Commercial Kitchen Workers
• Contractors • Other Engineers (Non Desk) • Construction workers / Builders
• Porter • Delivery Personnel • Home Service Providers e.g. Plumber

*Employees other than the those working in Nuclear power plants, underground mines, explosives, hazardous material (e.g. fertilizers, asbestos
fibre, toxic gases, pesticides etc) will be considered as Non Hazard Workers

Strictly for internal circulation and training purpose only.

 Estimate Premium Rates* (Excluding GST)

Type Sum Insured Coverage INR 500000 INR 1000000 INR 1500000 INR 2000000 INR 2500000

100% of SI up to
Accidental Death 1 INR 5,00,000 INR 10,00,000 INR 15,00,000 INR 20,00,000 INR 25,00,000
Max 25Lakhs
Base
Cover
Permanent Total 150% of SI up to
INR 7,50,000 INR 15,00,000 INR 22,50,000 INR 25,00,000 INR 25,00,000
Disablement 2 Max 25Lakhs

Permanent Partial 100% of SI up to

INR 5,00,000 INR 10,00,000 INR 15,00,000 INR 20,00,000 INR 25,00,000
Disablement 3 Max 25Lakhs

Loss of Income INR 5000/100

INR 5000/100 INR 5000/100 INR 5000/100 INR 5000/100 INR 5000/100
Benefit (Rs. Weeks with 1
Weeks Weeks Weeks Weeks Weeks
/Wks.)4 week Deductible
Add On
Accidental
50% of SI Max Up
Hospitalization INR 2,50,000 INR 5,00,000 INR 5,00,000 INR 5,00,000 INR 5,00,000
To 5 Lakhs
Cover5

INR 1000 per day

Daily Hospital INR 1000/30 INR 1000/30 INR 1000/30 INR 1000/30 INR 1000/30
for 30 days with 1
Cash Cover6 Days Days Days Days Days
day deductible

Premium for Risk Class I

INR 621 INR 957 INR 1293 INR 1593 INR 1877
(1+2+3+4)

Premium for Risk Class II

INR 935 INR 1443 INR 1951 INR 2407 INR 2836
(1+2+3+4)

Premium for Risk Class I & II

(5+6) INR 415 INR 541 INR 541 INR 541 INR 541

*18% GST will be applicable on the premium rates

Claims as easy as 1-2-3

Initiating a claim

Call us on Write to us on
1800-258-5956 [email protected]

For list of Cashless Network Hospitals log on to our TPA website :

https://www.medibuddy.in/networkHospitals

Claim Process

Initiating a claim Documents Upload Claim settlement

Call us or write to us Digit will trigger a link where Once the documents are verified,
to Initiate a claim one needs to upload all the Digit will settle the claim in
supportive documents Insured’s Bank Account

Documents Required*
• Medical Documents/ Records • Cancelled Cheque/ NEFT details

• Valid Government ID proof • Post-mortem Report/ Death Certificate

(for Death Benefit)
*Mandatory Documents for claim registration. for any further documents claims team will connect with the claimant

For more details, please read policy terms and conditions carefully before concluding sale
Go Digit General Insurance Limited, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095, www.godigit.com,
1800-258-5956 or 1800-103-4448. IRDAI Regn. No. 158, CIN: U66010PN2016PLC167410. Digit Total Protect Policy :UIN: GODPAIP19072V011920
Strictly for internal circulation and training purpose only.