Go Digit Group Health Insurance

The Go Digit General Insurance company offers health, car, travel, bike, home, mobile and bicycle insurance products for their customers. The Go Digit group health insurance company has around 6400+ network hospitals in India. The digital-first motto of the insurance company aids in the processing and settling the claims faster.

Your Go Digit group health insurance with Pazcare goes further ahead and completely digitalises your employee medical insurance administration. The Pazcare dashboard for HRs lets you view the policy, the coverage details, and the details of the employees and their spouses covered in the Digit group health insurance plan. While your employees can make use of Pazcare’s employee app to access the policy details, access network hospitals and download their health insurance ID card.

How to buy Go Digit group health insurance at Pazcare?

These simple steps allow you to purchase Go Digit group health insurance online at Pazcare.

Step 1: Visit us at https://www.pazcare.com/ and click on the products drop down and choose the product group health insurance. 

Step 2: Click on the get insurance button and fill in the information like your name, work email, phone number, company name and the number of employees you wish to insure. This enables us to understand the overall requirements of your organization.

Step 3: After submitting this form, our health insurance consultant will contact you within 24 hours. Tell us your requirements for the tailor-made Go Digit group health insurance policy. These include the type of policy, sum insured, riders and other add-ons.

Step 4: After this, we will get back to you with competitive quotes from Go Digit group health insurance company and a few other insurance companies.

Step 5: After you choose the policy and accept the terms and conditions of the Go Digit group health insurance policy, you can process the premium payment.

Step 6: The onboarding process is carried out within 24 hours of making the payment. Our team will run you through the Pazcare dashboard and help you with the whole process.

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For further questions and assistance, write to us at support@getpaz.com or call our customer care at +91 78291 11300. Alternatively, connect with us on Whatsapp using the number +91 81973 79596.

Why choose Go Digit group health insurance as your insurance partner?

With a large number of health insurance products in the market, here is why you have to choose the Go Digit group health insurance from Pazcare.

6400+ network hospitals

The Go Digit group health insurance company has over 6400+ network hospitals in India. Hence, it provides wide coverage to your employees.

High claim settlement ratio

The claim settlement ratio of Go Digit health insurance is 77.17% for the year 2019-2020. The high claim settlement ratio indicates that the Go Digit group health insurance policy is more reliable and more credible. 

No medical screening needed

Unlike your retail health insurance policy, the Go Digit group health insurance policy does not require a medical check-up before the policy purchase. 
Easy online process

The Go Digit group health insurance company makes sure the process of buying to making claims is simple and paperless. 

Go Digit group health insurance claim settlement ratio

A group health insurance claim settlement ratio (CSR) is the ratio between the number of claims settled to the number of health insurance claims requested in a financial year by the health insurance company. The claim settlement ratio of Go digit group health insurance is 77.17% for the year 2019-20. 

Network hospitals of Go Digit group health insurance

All the health insurance companies have a wide network of cashless or network hospitals where the policyholders can claim cashless treatment. The Go Digit group health insurance has around 6400++ network hospitals located in pan India. This means that the chances of finding a network hospital and opting for cashless treatment near your location is high.

Claim Go Digit group health insurance

Go Digit group health insurance cashless claim

With Go Digit group health insurance you can make a cashless claim using the following steps.

1. Go to the nearest network hospital

The cashless claim facilities are available at a Go Digit group health insurance network hospital only. Hence, get to the nearest network hospital for treatment.

2. Confirm your identity

The next step is to confirm your identity using the Go Digit health insurance ID card or policy number, a valid photo ID like an Aadhar card, voter ID, driving license, etc and the company ID at the hospital.

3. Submit the pre-authorisation form

Once the above proof is verified, the next step is to submit the pre-authorization form to Go Digit group health insurance company / TPA. For emergency hospitalization, the form is submitted within 48 hours and in the case of planned hospitalisation, it is submitted 3 days before the hospitalisation.

4. Review of request

After the form submission, Go Digit group health insurance company / TPA will review the cashless claim request and the network hospital will be notified about the claim decision. 

5. Claim settlement

Once all of this is done and the Go digit group health insurance company accepts your claim request. The claim is settled directly with the network hospital according to the terms and conditions of your policy.

Go Digit group health insurance reimbursement claim

In case you get hospitalised at a non-network hospital, the reimbursement claim from Go Digit group health insurance can be carried out by the following steps.

1. Inform the insurance company

The first step is to inform the insurer about the hospitalisation. In case of emergency hospitalisation, inform the insurer within 48 hours, and in case of a planned hospitalisation inform at least 3 days before the hospitalisation.

2. Settle the bills

After you get treated at a non-network hospital, settle all the hospital and pharmacy bills by yourself.

3. Collect the documents

After settling the bills, make sure you have all the original copies of all the required documents to file for a Go Digit group health insurance reimbursement claim. 

The documents required to file a reimbursement claim

• A duly filled claim form
• Policy copy/health insurance ID card
• A valid unique identity card (Aadhar card, driving license, etc.)
• All original medical bills and pharmacy bills, discharge summary, doctor consultation report and prescription papers.
• A medical certificate specifying the duration, past medical history and treatment details signed by the doctor in charge.
• For accidents, FIR or MLC (Medico-Legal Certificate) copy
• Other relevant documents.

4. Submit the documents

After collecting all the relevant documents, submit them to the TPA associated with the Go Digit group health insurance within 15 days of discharge.

5. Claim processing

Once the documents are submitted and verified, the claim will be settled in your bank account. This will be done as per the terms and conditions of your policy. 

Contact us at support@pazcare.com, for guided claim assistance. We provide 24X7 claim assistance for your employees. 

Go Digit group health insurance renewal process

The Go Digit group health insurance can be renewed easily with Pazcare at end of your policy term. Here are the steps to renew your Go Digit group health insurance plan.

Step 1: Firstly, get in touch with Pazcare. Submit a basic form containing details like your name, name of the company, number of employees you wish to insure, work email address and phone number.

Step 2: Once the form is submitted, we will get in touch with you. Since this is a renewal case, we would require

• Active data of the employees - name, age, gender
• Claim analysis report
• Claim dump report from the insurer/TPA
• Policy copy

Step 3: You can choose additional add-ons to your Go Digit group health insurance policy like dental insurance riders, maternity insurance riders. Furthermore, with Pazcare one can choose additional health and wellness add-ons like medical check-ups, unlimited doctor consultations, etc to your Go Digit group health insurance. 

Step 4: We will get back to you with the competitive quotes for your Go Dgit group health insurance. Based on your claims report and the add-ons you choose, the premium may vary from the previous financial year.

Step 5: The next step is to agree to the terms and conditions of the policy and pay the premium for your Digit group health insurance policy. The policy will be usually valid for a year after the renewal.

Step 6: In case, you are purchasing your Digit group health insurance for the first time with Pazcare, the onboarding process will be carried out in 24 hours. During this period, our team will get in touch with you and provide you with all the essential information to get started with your group health insurance. 

How is the Go Digit group health insurance premium calculated?

The Go Digit group health insurance premium is calculated based on certain factors like 

Average age 

The Go Digit group health insurance premium is calculated based on the average age of the employees insured. The younger the age, the lower the premium. This is because the younger generation poses lesser health risks. 

Type of plan

Different types of Go Digit group health insurance policies opted are employee only (E), employee+spouse+children (ESC) and employee+spouse+children+parents (ESCP) plans. Hence, a higher premium is levied when more members are covered in the policy.

Nature of the job

The nature of the job one performs also decides the annual premium of your Digit group health insurance plan. Jobs with more risks have a higher premium compared to lower-risk jobs. For instance, employees working in the manufacturing industry will have higher group health insurance premiums than the ones working in the IT industry.

Sum insured

Sum insured is the maximum amount that an insurance company will pay you in case of any hospitalisation in a particular year. Higher the sum insured, the higher the premiums paid towards the Digit group health insurance policy.

Riders opted

The riders opted for say, maternity insurance riders, dental insurance riders along with the existing Digit group health insurance policy will increase your group premiums.

What is covered under your Digit group health insurance?

Your group health policy is tailor-made according to your preferences. Here is what your Digit group health insurance covers.

Maternity-related and newborn cover

By opting for a maternity insurance rider, you can cover the maternity-related expenses for a normal and c-section delivery. Moreover, this rider will cover the newborn baby's expenses upto 90 days, depending on the terms and conditions of the plan.

Covid -19 hospitalisation

The Digit group health insurance policy covers all hospitalisation expenses related to Covid-19. 

Accidental hospitalisations cover

In case of any hospitalisation expenses due to accidents, your Go Digit group health insurance policy covers these medical expenses. These hospitalisations must be for more than 24 hours and coverage is limited to India only.

Psychiatric benefits cover

The Digit group health insurance policy will cover the expenses related to your employees’ psychiatric support.

Daily hospital cash cover

If the employee or their dependent is hospitalized, and expenses go beyond the hospital bill and this benefit will cover that extra expenses.

What is not covered under your Go Digit group health insurance?

Cosmetic treatments

Cosmetic treatments like plastic surgery, liposuction, and botox are not generally covered in your Digit group health insurance plan.

Gender-changing surgeries

Expenses due to gender-changing treatments or surgeries are excluded from your Digit group insurance policy.

Self-harm injuries

Injuries due to self-harm, like suicide and hospitalisation expenses for the same are not covered in your Go Digit group health insurance policy.

Hospitalisation with doctor’s recommendation

Any hospitalisations that are not recommended by the doctor or that do not match the doctor’s prescription is not covered in this policy.