Daily hospital cash cover is the amount given to the insured or the dependent on a per day basis till the insured is discharged from the hospital. There are certain out of pocket expenses which had to be borne by the insured during the hospitalization such as attendant expenses, food expenses etc. These expenses can be borne by the hospital cash cover which provides daily hospital cash for a limited number of days the insured is in the hospital. The cover is beneficial to the employees of the group health insurance policy.
Psychiatric is a condition relating to mental illness of a person and the medical treatment it follows is known as psychiatric treatment. As per the WHO study up to 10% of the Indian population suffer from one or the other psychiatric or serious mental disorders. The group health insurance from Digit insurance would cover the expenses incurred to treat the psychiatric illnesses as mental health is as important as physical health. There can be certain psychiatric disorders such as anxiety disorders, mood disorders, psychotic disorders, personality disorders, eating disorders etc.
Any illness which can be life threatening is known as the critical illness such as Cancer, Kidney failure etc. The digit illness group insurance covers certain critical illnesses such as Cancer, heart attack, kidney failure etc. which are mentioned in the terms and conditions of the policy. The critical illness cover can be given for the employees of the digit health insurance which can also be extended to the family members of the digit group health insurance policy. The critical illness cover is a benefit based cover unlike the health insurance which is indemnity based cover.
Digit health insurance covers the maternity expenses and the expenses incurred for the new born babies. The new born babies would be covered up to 90 days after which it would be added to the existing digit health insurance policy on payment of additional premium. The sum insured under this section would be over and above the basic sum insured mentioned under the digit general insurance policy.
There are certain other benefits which are being offered by Digit health insurance policy such as the cover for alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy. Organ donation expenses, hospitalization expenses such as in-patient, outpatient, day care and domiciliary would be covered under the digit health insurance policy.