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Home> Health insurance> Digit Health INFINITY WALLET Infinity Wallet

Infinity Wallet

NO MEDICAL TEST

₹5 lakhs

of health cover

₹6,903/year

EMI starts at ₹617

28 hospitals near you and 10,000+ across India

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Top features
  • icon 100% cumulative bonus in 2 years
  • icon Freedom to choose the best room
  • icon Unlimited restoration for unrelated disease

Hospitalization benefits

Hospitalization (24hrs or more)

Hospitalization (24hrs or more)

Health insurance covers all expenses incurred as part of overnight hospital stay for one or more days.

It does not cover expenses of less than 24 hours hospital stay, except for mentioned day-care surgeries that need less than 24 hrs (due to technological advancements).

Covered up to sum-insured

Pre-hospitalization

Pre-hospitalization

Medical costs incurred on consultation check-ups, diagnostic lab tests, medication, etc. before getting admitted in a hospital.

Original bills and prescriptions are necessary to claim this benefit.

60 days

Post-hospitalization

Post-hospitalization

Medical costs incurred on follow-up consultations, medicines, tests after discharge from the hospital.

Original bills and discharge certificate are necessary to claim this benefit.

180 days

Room type / tariff allowed

No room rent restrictions

ICU Charges

Up to sum insured

Day care treatments

Day care treatments

Restoration or Refill benefit

Restoration or Refill benefit

If you run-out of health cover due to exhaustion of basic sum insured amount, the entire amount is refilled.

This refilled amount can be used to claim for expenses for a different illnesss than already claimed before within the same year.

Up to 100% of sum insured for any illness and any insured person

Home hospitalization

Home hospitalization

Medical treatment exceeding 3 days, taken at home because the patient cannot be moved to hospital or due to lack of accommodation at the hospital.

Up to sum insured

Organ Donar cover

Organ Donar cover

Provides for the costs of hospitalization or surgery of the organ donor. Note - organ donor's expenses before and after hospitalization and post-surgery complications are not covered.

Your organ donor gets covered in this policy.

Non Allopathic (AYUSH) Treatments

Non Allopathic (AYUSH) Treatments

Expenses for Ayurvedic, Unani, Siddha and Homeopathy (AYUSH) treatments are covered upto mentioned limits only if you get hospitalized in government run institutions or hospitals.

In-patient hospitalisation expenses even for alternative treatment methods like ayurveda, yoga etc up to sum insured

Ambulance charges

1% of Base Sum Insured, max up to ?15,000

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Extra benefits

Preventive Health Checkup

Preventive Health Checkup

Free for each person upto a fixed amount.

0.25% of Base Sum Insured, Max up to ?1,500 after every year

No Claim Bonus (multiplier benefit)

No Claim Bonus (multiplier benefit)

This free multiplier benefit or no claim bonus cover is extra cover received every year

50% of Base Sum Insured for every claim free year, up to max 100%

Grace Period

Grace Period

Time period (in days) that you get to make the premium payment for your insurance plan even after your renewal premium due date has passed.

Generally, 15 to 30-day grace period is provided to pay the premium dues. After that, the insurance company can refuse to renew your policy even if you are willing to make the payment.

Grace period of 30 days

Waiting period & sublimit

Waiting period & sublimit

Waiting period: Minimum time duration that you need to wait, to be able to claim expenses for specific select treatments or pre-existing conditions.
Hence, it’s advisable to buy health plan as early as possible.

Sub-limit: Maximum cap on expenses for select treatments that shall be paid by insurer company.

  • Accidents

    Covered immediately

  • Hospitalization claims

    Accepted after 30 days

  • Pre-existing waiting period

    After 3 Years

  • Kidney or bladder stones

    After 2 Years

  • Hysterectomy (uterus removal)

    After 2 Years

  • Piles

    After 2 Years

  • Cataract

    After 2 Years

  • Other Specified treatments

    After 2 Years
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What is not Covered

  • Treatments within 30 days (except for accidents)
  • Treatments related to HIV/AIDS or sexually transmitted diseases (STDs)
  • Suicide or self-inflicted injury
  • Treatments related to use of intoxicants, alcohol or hallucinogenic substances like drugs
  • Treatment related to pregnancy and childbirth, miscarriage (except due to accident), abortion and its consequences
  • Hospitalization due to war, nuclear, chemical / biological weapon or radiation of any kind
  • Infertility treatments like invitro fertilization (IVF) and related tests
  • Dental surgery and external aids unless mentioned under coverage
  • Cosmetic Surgery and Obesity treatments
  • Injuries or accidents during adventure sports or defence operations
  • Nonpayable consumable items like shampoo and powder and other non-medical items
  • Unproven or experimental treatment or devices
  • Administratives expenses & Registration fees
  • Refer to the Policy Wording for the complete list of exclusions
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Claims process
89.6%

claim settled

  • Reimbursement Claim view
  • Cashless Claim view
₹
6,903
/year

EMI starts at ₹