Go digit general insurance ltd

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Go Digit General Insurance Ltd is an online general insurance corporation. The company was established in 2016. At present, it succeeds to enlarge the company’s distribution through uninterrupted channel associates, such as ClearTrip and Flipkart, etc. Go digit general insurance ltd has a network of around 1,500 strategic associates in India that include agents, dealers, and brokers who spread through 70 towns and cities.

An Overview of Go Digit General Insurance Ltd.:

Go Digit General Insurance Ltd plans

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Go Digit General Insurance Ltd was initiated as Oben General Insurance Ltd in the year 2016. The word ‘Oben’ is a German word, which means ‘Digit’. As the word wasn’t familiar to people, so they changed the name, Oben General Insurance Ltd to Go Digit General Insurance Ltd to make the name simple to remember

It’s the single Indian insurance corporation to play the lead in the Fintech global  250 lists by the CP insights. Go Digit General Insurance Ltd is involved in contributing various insurance plans through a digital/online platform to be precise health insurance, bike and also car insurance, travel insurance, home insurance, commercial vehicle insurance, bicycle insurance, and mobile insurance plan – all at a reasonable price without any agent commissions.

With the assignment to make the entire insurance procedure simple & hassle-free, Go Digit General Insurance Ltd has made the commitment to re-defining its plans and reforming processes ranging from buying insurance policies to claiming procedures. Also, the company wishes to go further than the recognized industry. So, the enterprise is concentrated more on its authorizing associates and providers when it comes to insurance policy quotes, issuance, documentation as well as claim procedure.

NOTE:

The company Go Digit General Insurance Ltd is also maintained by Fairfax, an economic holding corporation in Toronto, Canada.

Key Highlights of Go Digit General Insurance Ltd.:

insurance plans

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  • You can get immediate Online Quotes
  • 24/7 Support
  • Network hospitals through India
  • Easy access to Third-Party Administrator (TPA) service
  • An assortment of sum assured options
  • Pre-policy medicinal fitness check-ups
  • Service through 70 towns and cities
  • Digital ingenuity for stress-free insurance plan purchase
  • Cashless services in the network hospitals
  • Offers affordable Premiums
  • Quick and Transparent Claim Settlement
  • Transportation Allowance
  • Online purchase facility as well as renewal facility
  • Provides advance Money for Repairs
  • Zero-deductibles
  • Breakdown Support
  • Doorstep service
  • Missed Call Facility

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Go Digit General Insurance Ltd. Policy List:

From car to mobile insurance plans, the Go Digit General Insurance Ltd has a figure of general insurance plans to deal with its clients in India. So, let’s now find out the poles apart plans from Go Digit General Insurance Ltd. Below

Motor Insurance Policy Plans

Health Insurance Policy Plans

Travel Insurance Policy Plans

Other Insurance Policy Plans

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A Brief Detail of the Plans:

They offer plenty of insurance plans to their customers. So, let’s now see the brief details of these insurance plans below:

Motor Insurance Plan Details:

Here are the brief details of all the insurance plans under the motor insurance plans.

Car Insurance Plan

Car Insurance Plan

Go Digit General Insurance Ltd. offers you a

  1. Comprehensive Insurance Plan
  2. Third-Party insurance Plan and also
  3. Own damage car Insurance Plan

You will get these plans at an affordable premium via online. You can also customize your Insured Declared Value (IDV) yourself. This car insurance plan comes with 7 different helpful add-ons that will perfectly suit your vehicle. Moreover, you can purchase, renew and/or claim insurance plans via online with simple and quick smartphone-enabled procedures.

Key Features
Coverage
Exclusions
Add-ons
Super-Fast Claims Accidents Drunk or Without a License Driving Zero Depreciation cover
Cashless Repairs Personal Accident Own Injuries for the Third-Party Policyholder Return to Invoice cover
High IDV per rupee Fire Accident in case of driving without a lawful Driving License holder Consumable cover
Smartphone-enabled Self Inspection Theft Contributory Negligence Roadside Assistance
Doorstep Pickup & Repair Third-Party Losses Consequential Damages Tyre Protection cover
24*7 Supports Natural Disasters (Cyclones, Floods, etc.) Add-ons that are not bought separately Engine Protection cover
—–Nil—– —–Nil—– —–Nil—– Passenger cover

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Bike Insurance / Two Wheeler Insurance Plan

bike insurance of go digit general insurance ltd

As per the Indian road rules, at least having the Third-Party two-wheeler Insurance is compulsory. And thus, in case somebody bumps into your vehicle or you bump into a third-party motor vehicle, you’ll get cover against any losses and damages caused.  Go Digit General Insurance Ltd. provides bike insurance with 3 types of two-wheeler insurance policies. These areas follow

  1. Comprehensive Cover
  2. Third-Party cover and
  3. Own Damage Bike Insurance Policy cover

Moreover, you can customize the Comprehensive Bike Insurance Policies by choosing suitable add-ons that will help guard your two-wheeler in each and every possible situation. You can do all this in just a few minutes sparing online to take care of the rest!

Key Features
Coverage
Exclusions
Add-on Covers
Smartphone-enabled Self Inspection Accidental Losses and damages Drunk or Without a License Driving Zero Depreciation Cover
Super-fast Claims Fire Own Injuries for the Third-Party Policyholder Engine & Gear Protection Cover
Cashless Repairs Theft Accident in case of driving without Driving License Return to Invoice Cover
High IDV per rupee Personal Accident Contributory Negligence Breakdown Assistance
24*7 Support (On National Holidays Too) Third-Party Losses Consequential Damages Consumable Cover
—–Nil—– Natural Disasters (Cyclones, Floods, etc.) Add-ons that are not bought separately —–Nil—–

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Commercial Vehicle Insurance Plan

Commercial car insurance plan of Go digit general insurance ltd

The Go Digit General Insurance Ltd. covers commercial vehicles such as Taxi, Bus, Van, Truck Lorry, etc. under this Commercial Vehicle Insurance Plan. The plan is planned to safeguard you against the monetary crises that may occur due to repairing costs.

Moreover, you can easily purchase or renew or claim the commercial vehicle insurance plan online by visiting the Go Digit General Insurance Ltd.’s official website. They offer mainly 2 types of policies under this plan. These are:

    1. Liability Only
    2. Standard Package

Key Features
Coverage
Exclusions
Widespread garages (Over 1400 garages through India) Accidental Losses and damages Own Damages for the Third-Party Policyholder
24*7 Support (even on National Holidays) Fire Contributory Negligence
High IDV per rupee Theft Drunk driving or driving without a License
—–Nil—– Personal Accident Consequential Damages
—–Nil—– Third-Party Losses —–Nil—–
—–Nil—– Natural Disasters (Cyclones, Floods, etc.) —–Nil—–
—–Nil—– Towing Disabled Vehicles —–Nil—–

NOTE:

Under the Commercial Vehicle Insurance Plan of Go Digit General Insurance Ltd, there is no Add-on Covers

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Auto Rickshaw Insurance Plan

Autorickshaw go digit general insurance ltd

Based on the necessity of three-wheeler, Go Digit General Insurance Ltd. mainly offers 2 policies under this Auto Rickshaw Insurance Plan. These policies are as follow:

  1. Liability Only
  2. Standard Package

However, seeing the risk as well as frequent usage of the commercial vehicles, it is suggested to take the Standard Package plan that will monetarily protect the rickshaw as well as the owner/driver of the vehicle.

Key Features
Coverage
Exclusions
Widespread garages (Over 1400 garages through India) Accidental Losses and damages Own Damages for the Third-Party Policyholder
24*7 Support (even on National Holidays) Fire Contributory Negligence
High IDV per rupee Theft Drunk driving or driving without a License
—–Nil—– Personal Accident Consequential Damages
—–Nil—– Third-Party Losses —–Nil—–
—–Nil—– Natural Disasters (Cyclones, Floods, etc.) —–Nil—–
—–Nil—– Towing Disabled Vehicles —–Nil—–

NOTE:

Under the Auto Rickshaw Insurance Plan of Go Digit General Insurance Ltd, there is no Add-on Covers

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Truck Insurance Plan

Truckinsurance of go digit general insurance ltd

Owning a truck insurance plan means your commerce will be protected if you face any monetary losses because of your truck. Thus, this also means you will avoid each and every possible interruption. And also Preserve a earnings margin as well as can spend money on business growth instead.

Based on the necessity of three-wheeler, Go Digit General Insurance Ltd. mainly offers 2 policies. These policies are as follow:

  1. Liability Only
  2. Standard Package

However, seeing the risk as well as frequent usage of the commercial vehicles, it is suggested to take the Standard Package plan that will monetarily protect the rickshaw as well as the owner/driver of the vehicle.

Key Features
Coverage
Exclusions
Widespread garages (Over 1400 garages through India) Accidental Losses and damages Own Damages for the Third-Party Policyholder
24*7 Support (even on National Holidays) Fire Contributory Negligence
High IDV per rupee Theft Drunk driving or driving without a License
—–Nil—– Personal Accident Consequential Damages
—–Nil—– Third-Party Losses —–Nil—–
—–Nil—– Natural Disasters (Cyclones, Floods, etc.) —–Nil—–
—–Nil—– Towing Disabled Vehicles —–Nil—–

NOTE:

Under the Truck Insurance Plan of Go Digit General Insurance Ltd, there are no Add-on Covers

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Health Insurance Plan Details:

Go Digit General Insurance Ltd. provides exclusive health insurance policy plans on both floater and individual basis. Health Insurance policy from the Go Digit General Insurance Ltd. comes with great coverage at affordable prices. You can purchase or renew these policies online from Go Digit’s official website. Here are the brief details of all the insurance plans under the Health insurance plans.

Health Insurance Plan

health insurance

Go Digit general insurance offers a complete comprehensive health insurance policy that offers protection as well as cover against plenty of accidental injuries, damages, and also hospitalization requirements. This company has health insurance personalized for all the people of all age groups. These plans are as follow:

(i) The Young & The Restless (For young people & nuclear families)

(ii) The Great Indian Families (Family floater insurance policy)

(iii) The Old & The Wise (For senior citizens)

Key Features
Coverage
Exclusions
Add-on Covers
Easy Online Processes Cashless treatment at
network hospitals
Pre-Natal & Post-Natal Expenses Maternity Benefit with Newborn Baby Cover
25% Higher Sum Insured Daycare Procedures Pre-Existing Diseases Alternate Treatment (AYUSH)
0% Copayment Road ambulance charges Hospitalization without Doctor’s Recommendation Zone Upgrade
No Room Rent Restriction ICU room rent —–Nil—– —–Nil—–
2X Sum Insured Complimentary Health check-ups —–Nil—– —–Nil—–
No Claim Bonus available Post-hospital lump sum —–Nil—– —–Nil—–
Get Treated at any network Hospital
from over 6400 hospitals in India
Psychiatric illness cover —–Nil—– —–Nil—–
Advance Cash Benefit Bariatric Surgery —–Nil—– —–Nil—–

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Corporate Health Insurance Plan

corporate health insurance

As the name proposes, a group health insurance is a kind of health insurance strategy devoted to a group of individuals, working under one normal umbrella. Most normally purchased for representatives of both youthful new businesses and huge associations, a group health insurance plan doesn’t just profit workers at the same time, the business also as individuals today are destined to support and hold with associations offering helpful advantages, for example, health insurance.

Key Features
Coverage
Exclusions
Easy Online Processes Accidental Hospitalization Pre-Natal & Post-Natal Medical Expenses
Cashless Claims Illness Related Hospitalization Pre-Existing Disease (PED) Waiting Period
Advance Cash Benefit Daily Hospital Cash Cover Hospitalization without Doctor’s Recommendation
Low-Cost Premium Psychiatric Illness Cover —–Nil—–
Post Hospitalization Lump sum Benefit Critical Illness Cover —–Nil—–
One Point of Contact Maternity Benefit with Newborn Baby Cover —–Nil—–
Group Health Insurance for All Company Sizes Other Benefits (Alternate Treatment (AYUSH),
Infertility Treatment Bariatric Surgeries,
and Organ Donation Expenses among others)
—–Nil—–
Refill Sum Insured Complimentary Annual Health Checkup —–Nil—–
6400+ Cashless Hospitals Cumulative Bonus —–Nil—–

NOTE:

Under the Corporate Health Insurance Plan of Go Digit General Insurance Ltd, there are no Add-on Covers

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A Quick Look Overview of Individual Health Insurance vs. Group Health Insurance plan

Individual Health Insurance Plan Group Health Insurance Plan
In Individual Health Insurance, every single person is the uninterrupted point of interaction with their individual insurer. On the other hand, in the Group Health Insurance Plan, the corporation is the straight point of interaction with the particular group health insurance supplier.
Ordinarily, an individual health arrangement premium gets costly as an individual age. That is the reason a great many people suggest getting an individual health strategy from the get-go throughout everyday life. A group health approach premium isn’t subject to the worker’s age, the only thing that is in any way important is that representative ought to be over 18 years and underneath 70 years.
Each individual has the right to terminate their insurance policy at any point in time. However, In the group health insurance plan, only the boss holds the right to stop the policy.
An individual health insurance policy is mainly reliant on a person’s age, health conditions medical history, etc. A group health insurance policy is mainly reliant on the organization’s power; both employee and financial power.
An individual health insurance policy is effective for the time period an individual has funded the particular premium. A group health insurance policy is effective for the time period as the employee is a part of that particular organization.

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International Travel Insurance Plan Details:

International travel insurance

Go Digit General International Travel Insurance is planned to complement you on all your travels. It is to assist you to travel safer and smarter. From random missed connections and flight delays to medical emergencies, sport adventure ouches, and loss of belongings, they cover for you. Here is the brief detail of the entire International Travel Insurance plan under the Travel Insurance Plan. It has 2 options. These plans are as follow:

  1. Basic Option: Offers coverage for common casualties that you may face on an international trip
  2. Comfort Option: This plan not merely covers you for common accidents on the trip but also protects you from each hitch, so your international trip goes just how you planned it!

Key Features:

  • Adventure Sports Covered
  • Zero Deductibles
  • Immediate Monetary Compensation for Flight Delays
  • Smartphone-enabled Processes
  • 24×7 Missed Call Facility Available
  • Worldwide Support

How to File a Claim for International Travel Insurance of Go Digit?

After you purchase the international travel insurance policy of Go Digit General Insurance Ltd., you live tension free as they have simple 3-steps to complete the claim process. It is a completely digital process! So, it is completely hassle-free. Here, are the steps to claim:

Steps
What To Do
Step 1 Give them a call on 1800-258-5956 (India) or you can drop a missed call on +91-7303470000 (outside of India) and they will call you back in just 10 minutes.
Step 2 Upload the mandatory documents and also your bank account information, on the link sent to you.
Step 3 They will take care of the rest!

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Other Insurance Policy Plans

This category consists of a mobile insurance plan, jewelry insurance plan and also home insurance plan. So, under this category, let’s now know in details below:

Mobile Insurance Plan

Mobile insurance

Whether you have a new or old phone and no matter wherever you are on this planet as well as regardless of who is using the phone. A mobile insurance plan by Go Digit is such a policy that always will have your back, and thus cover for your mobile phone and guarantee your pocket does not face any damages or dents. They offer two types of the Mobile insurance policy. These types are as follow:

  • 6 months cover
  • 12 months cover

Key Features
Coverage
Exclusions
Accidental Screen damage covered New & Old Phones Theft or Burglary
Worldwide cover Accidental Screen Damage Liquid Damage
New & Used phones coverage Worldwide Coverage Accessories Damage
Reimburse up to Sum Insured IMEI Linked Cover Mechanical & Electrical Breakdown
Low prices Reimbursement Up to Sum Insured Pre-Existing Damages
IMEI linked cover Secures your Mobile Screen —–Nil—– Phones with Screen guards
Protects you from Unexpected Expenses —–Nil—– —–Nil—–

How to Buy Mobile Insurance Policy from Go Digit General Insurance:

STEP 1

Take a quick ‘Screen Test’ of your phone by downloading Go Digit’s app. This will permit the company to check both internal and external damages on the mobile screen if there any.

STEP 2

Go through an Outer Video Check by shooting and uploading a video of your phone you want to insure. The company will send you a link in which you will have to upload the video. You’ll also have to self-declare certain conditions to approve that your mobile does not have any pre-existing damages before buying the policy.

STEP 3

Finally, Complete Payment

How To Claim?

After you purchase the Mobile Insurance Plan, you can easily go through the online claim process. Follow these steps to file a claim:

Steps
How to Claim
Step 1 Call them on 1800-258-5956 within 48 hours of your mobile’s screen damage/destruction
Step 2 The company will send you a link on the registered mobile number for a rapid online self-inspection to conclude the damage/destruction to the mobile screen.
Step 3 Once your claim gets approval, you can get your mobile repaired at any service center you like but within 7 days of the approval of the claim.
Step 4 Once you have got your mobile repaired, share a video of your mobile and the particular bill with GST to the company.

Mobile Insurance policy Premium for the Popular Models

We are giving only the 6-month cover’s premium list of some popular models. So, let’s now check out the list in the table below:

Phone Model
6 Months Plan (excl. GST)
Sum Insured
iPhone XR INR 1199 INR 16400
iPhone 11 INR 1199 INR 15999
Pixel 3 INR 849 INR 11550
OnePlus 6T INR 359 INR 4900
OnePlus 7 INR 479 INR 6600
OnePlus 7T INR 499 INR 6599
Galaxy S10 INR 829 INR 11350
Galaxy S7 Edge INR 719 INR 9849
Redmi Note 5 Pro INR 199 INR 2749
Realme 5 Pro INR 259 INR 3399
Poco F1 INR 279 INR 3800
Redmi Note 7 pro INR 239 INR 239

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Shop Insurance Plan/ Jewellery Insurance Plan

shop insurance

A shopkeeper’s insurance or Shop insurance or is a kind of insurance plan personalized to cover for individuals who possess and run a shop for his or her business. For instance; jewelry stores, general stores, stationery shops, boutiques, toy shops, etc.

In such a policy, the possessor is secure from unexpected losses and damages caused to his or her shop and products present in the shop. These contain losses and damages caused in situations like natural calamities, burglaries, fires, explosions, malicious acts, etc. will be covered by the Go Digit General Insurance Ltd.’s Shop Insurance Plan

Key Features
Coverage
Quick Online Claims Fire
Complete Protection Explosions
Customize Sum Insured Natural Calamities (Such as floods, hurricanes, earthquakes, etc.)
—-Nil—- Implosions
—-Nil—- Burglary
—-Nil—- Riots
—-Nil—- Malicious Damages
—-Nil—- Terrorism

How to File a Claim for the Policy?

After you purchase the shopkeeper insurance policy, you can easily go through the online claim process of the Shop Insurance Plan. Follow these steps to file a claim:

Steps
How to Claim
Step 1 Call at 1800-10304448 or
Send Email at [email protected] to register your loss
Step 2 The company will send you a self-inspection link so you can simply upload videos and photos of the loss acquired at your shop as well as its goods.
Step 3 Once you have finished the self-inspection procedure, the loss is evaluated and tested and in case it is required, a loss judge may be allotted.
Step 4 Depending on the condition, the company’s customer care will inform you if they need any other documents such as a non-traceable report, FIR, sales reports, fire brigade report (only in case of fire), purchase documents, invoices, and so many more
Step 5 If all the provided proof and documents are good, as well as the damage is verified, you’ll receive payment & reimbursements for the individual losses and damages.
Step 6 The reimbursement is either administered via an NEFT transfer or PayTM.

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Holiday Home Protection Insurance Plan/ Home Insurance Plan

home insurance hero

Home burglaries can take place anytime, anywhere – even in the safest places. There’s no one to look after your home when you are out of your home, maybe at work or maybe you are traveling. In such cases, it is safe to have a home protection insurance plan.

In case you do not want to secure your home all the time, Go Digit General Insurance Ltd. gives you the alternative to take short-term insurance for home too, for periods when you are away from home on a holiday.

Key Features
Coverage
Exclusions
INR 2 lakhs Sum Assured starts from premium INR 199 only Burglary Theft (If there is no sign of forced entry or breakage in the house)
Unique Home Protection Plan Loss/Damage of Jewellery Legal liabilities or Consequential loss
Jewellery Cover Fire If damage or loss takes place to motor vehicles, coverage for livestock, or other valuable things such as cheque, cash, or debit/credit cards
24×7 Customer Care Natural Disasters Damage because of Terrorism

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