Your health is your biggest treasure.

Wise of you to protect it.

Digit Health Care Plus Policy

UIN: GODHLIP21013V032223
Your personalized Renewal Quote document
 Here's your Renewal Quote.
Just a quick recap, here's what you have chosen.

Top Up Policy
Let's talk about you.
You are Chernoll Manuel Savril Mendonca with mobile number +919764504699 and email ID
T chernollmendonca@gmail.com

A snapshot. The gist. The ‘forget everything else, just remember this’ part
of your policy.
First Policy Current Quote
Previous Policy Number D093122966 06-May-2021 D136320411
Inception Date Number
From 06-May-2024 02:04:03
Policy Type Floater Period of Insurance
To 05-May-2025 23:59:59
N66
Premium Payment Zone A Portability NO
N5 Co-payment for Geographical
Geographical limit India NA
Limits Outside India
Increase in SI at
YES Amount opted for every year 25000
renewal

Partner Name THOMAS JOSEPH DSOUZA Partner Code 1143671

Partner Contact +919890515155 Partner Email

Who all are covered

N66
N Height Nominee
Relationshi
(cms) / Nominee Relationshi
Name DOB Age / Gender Member ID p with Occupation
Weight Name p with
Proposer
(Kgs) Insured
Chernoll
Lavita
Manuel 01-Dec- N66017391 Self
34 yrs/Male Self 155 / 57 Maria Wife
Savril 1989 31 Employed
Nazare
Mendonca
Chernoll
Lavita
02-Jun- 30 N51193435 Self Manuel
Maria Spouse 158 / 44 Husband
1993 yrs/Female 67 Employed Savril
Nazare
Mendonca

Policy Inception dates

First Policy First Policy
First Policy
Insured Name First policy Inception date for Inception date
Inception date for
(a) inception date (g) Section 7 and for Section 11***
Section 8** (i)
Section 2* (h) (j)
Chernoll Manuel Savril Mendonca 2021-05-06 NA NA NA
Lavita Maria Nazare 2021-05-06 NA NA NA

1. *Section 7 in (h) above means “SECTION 7. MATERNITY BENEFIT & NEW BORN BABY COVER” and Section 2 means
“SECTION 2. INFERTILITY TREATMENT COVER”.
2. **Section 8 in (i) above means “SECTION 8. OUT-PATIENT (OPD) BENEFIT”.
3. ***Section 11 in (j) above means “SECTION 11. DAILY HOSPITAL CASH COVER”.

YE
Sum Insured Details

Effective Total
Sum Insured in Auto Enhanced Accrued
Additional SI at Coverage for renewal
Insured Name (a) expiring policy(k) Sum Insured (m) Cumulative
renewal (l)(Rs.) policy (0) (Rs.)
(Rs.) (Rs.) Bonus (n) (Rs.)
(o=k+I+m+n)
Chernoll Manuel
Savril Mendonca
5,50,000.00 0 25000 500,000.00 10,75,000.00
Lavita Maria
Nazare

Note:

1. Effective Total Coverage for renewal policy (o) mentioned above is the Sum Insured applicable under Section 1.B Accidental
and Illness Hospitalization Cover of the policy including Accrued Cumulative Bonus.
2. Accrued Cumulative Bonus of 50.00 % shall be applicable for Section 1A, Section 1B and Section 13 if opted and mentioned
in schedule of Benefits below (Subject to whether there has been a claim in the previous policy- apart from claim in OPD
Benefit and Maternity Benefit)
3. All the waiting period applicable under this policy shall be counted from First Policy Inception date (g) for each member.
4. In the case of Section 7/Section 8/Section 11, (if opted for) then the waiting period for the respective sections shall be
applicable for first policy inception date for these sections as mentioned in (h), (i) and (j) above respectively.
5. In this renewal notice, company has offered auto enhancement of Rs. 25000 based on confirmation received from you at
policy inception. This enhanced sum insured will not have Fresh waiting period. You may also choose not to increase the auto
enhancement Sum Insured. To do so, you may please call your relationship manager at 1800-258-4242
6. If you choose to increase your Sum Insured beyond the auto-enhanced sum insured (if opted), fresh waiting period will apply
for that increased Sum Insured only. You may also choose not to increase the auto enhancement Sum Insured.

All the occasions where money hits your account.

Section with Benefits Sum Insured (Rs.) Limits

SECTION 1-HOSPITALIZATION COVER
Accommodation/Room Rent: 100% of
A. Accidental Hospitalization Cover INR 1,43,500
Section 1.A Sum Insured
A1. Day Care Procedures *Inbuilt NA
A2. Pre-Hospitalization expenses *Inbuilt Up to 60 Days
Up to 90 Days OR Onetime Lumpsum
A3. Post-Hospitalization expenses *Inbuilt Benefit: 1 % of the Claim Amount
Approved under Section 1. A.
A4. Dental Treatment *Inbuilt NA
1% of Section 1.A Sum Insured Max up
A5. Road Ambulance *Inbuilt
to the INR 5000
A6. Second Medical Opinion *Inbuilt NA
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Initial Waiting Period: NA PED waiting period: NA Specific waiting period: NA
Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

SECTION 1-HOSPITALIZATION COVER
B. Accidental and Illness Accommodation/Room Rent: 100% of
INR 5,75,000
Hospitalization Cover Section 1.B Base Sum Insured
B1. Day Care Procedures **Inbuilt NA
B2. Pre-Hospitalization Expenses **Inbuilt Up to 60 Days
Up to 90 Days OR Onetime Lumpsum
B3. Post-Hospitalization Expenses **Inbuilt Benefit: 1% of the Claim Amount
Approved under Section 1. B.
B4. Dental Treatment **Inbuilt NA
1% of Section 1.B Sum Insured Max up
B5. Road Ambulance **Inbuilt
to the INR 5000
B6. Bariatric Surgery Cover **Inbuilt 5% of Section 1.B Base Sum Insured
5% of Section 1.B Base Sum Insured Up
B7. Psychiatric Illness Cover **Inbuilt
to 1 Lakh
Up to 0.50% of the Base Sum Insured
(excluding any cumulative bonus)
B8. Complimentary Health Check-up Over and Above the Sum Insured
Subject to maximum of INR 5000 Per
Policy
B9. Second Medical Opinion **Inbuilt NA
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Initial Waiting Period: 30 days PED waiting period: 3 Years Specific waiting period: 2 Years

Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

SEC 2. Infertility Treatment Cover **Inbuilt 10% of the Section 1.B Sum Insured
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Waiting period: 2 Years
Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

SEC 3. Organ Donor **Inbuilt NA
SEC 4. Alternate Treatment (Ayush)
**Inbuilt NA
Cover
SEC 5. Emergency Air Ambulance
*Inbuilt and/or **Inbuilt NA
Cover
SEC 6. LONG HOSPITALIZATION
INR 10,000 Minimum 10 Days Hospitalization
CASH BENEFIT
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Initial Waiting Period: 30 days PED waiting period: 3 Years Specific waiting period: 2 Years
Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

Limit on Maternity Expenses of Your
SEC 7. MATERNITY BENEFIT AND
INR 25,000 Second Child: 100% of the Sum Insured
NEW BORN BABY COVER
under this Section
Waiting period: 2 Years

Section with Benefits Sum Insured (Rs.) Limits

SEC 8. OUT-PATIENT (OPD) BENEFIT INR 2,500 NA
Initial Waiting Period: 30 days PED waiting period: 3 Years Specific waiting period: 2 Years
Deductible/Co-payment: 1st Year- 25%, 2nd Year- 10% and NA for 3rd Year and beyond

Section with Benefits Sum Insured (Rs.) Limits

SEC 9. Home (Domiciliary)
**Inbuilt NA
Hospitalization
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Initial Waiting Period: 30 days PED waiting period: 3 Years Specific waiting period: 2 Years
 Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

SEC 10. SUM INSURED REFILL Unlimited in a policy period -
Yes
BENEFIT related illness

Section with Benefits Sum Insured (Rs.) Limits

SECTION 11.B. DAILY HOSPITAL CASH COVER
Accidental and Illness Hospitalization
INR 500 Per Day Up to 30 Days
Cover
Initial Waiting Period: 30 days PED waiting period: 3 Years Specific waiting period: 2 Years
Deductible/Co-payment: 1 Day(s)
Deductible/Co-payment: Day(s)

Section with Benefits Sum Insured (Rs.) Limits

SEC 13. CRITICAL ILLNESS Accommodation/Room Rent: 100% of
INR 1,43,500
HOSPITALIZATION COVER Section 13 Sum Insured
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%
Initial Waiting Period: 30 days
Deductible/Co-payment: NA

Section with Benefits Sum Insured (Rs.) Limits

Road Ambulance *Inbuilt Upto INR 5,000 per hospitalization
Pre-Hospitalization Expenses *Inbuilt Up to 60 Days
Post-Hospitalization Expenses *Inbuilt Up to 90 Days
Co-payment 0% Co-payment on each claim
Initial Waiting Period 30 Days
PED Waiting period 3 Years
Cumulative Bonus: 50% of base Sum Insured for every claim free year, max up to 100%

*Inbuilt - Sum Insured for these Benefits are not separately available but are a part of Section 1. A.
Accidental Hospitalization Cover Sum Insured.
**Inbuilt- Sum Insured for these Benefits are not separately available but are a part of Section 1. B.
Accidental & Illness Hospitalization Cover Sum Insured
City of residence are categorized in either Zone A or B. As the treatment cost is different in
different cities, there are certain conditions if you change your city of treatment

Co-payment applicable(% of
Zone opted for at policy inception Zone where treatment availed
admissible claim amount)
B A 10%
C B 10%
C A 20%
If you avail treatment in the same zone you opt for in your policy, there will be no co-payment applicable

Premium and payment Details

Description Amount (Rs.)
Base Premium (Rs.) 17052.00
Underwriting Loading (Rs.) 0.00
Total Net Premium (Rs.) 17052.00
CGST @ 9% = (₹1534.68) + SGST/UTGST @9% = (1534.68
3069.36
)
Final Premium (Rs.) 20121.36
This quote is generated on the basis your health insurance policy. Final premium under the policy will
depend on the medical and health related disclosures submitted by you in this proposal.

Few things before you go ahead for renewal

1. Your policy has a grace period of 30days from the due date of the renewal, If you get delayed in
renewing your policy on or before the expiry date, the coverage will not be available for such break in
period.
2. If the Policy is not renewed within the Grace Period of 30 days from the due date of renewal, then it
will be issued as a fresh policy, subject to Our Underwriting criteria and no continuing benefits shall
be available from the expired Policy.
3. If you wish to alter the Sum Insured, plan, Zone or include or delete insured members or for any
queries please get in touch with our contact center 1800-258-4242 or write to us hello@godigit.com
If you are senior citizen, please write to us at seniors@godigit.com
4. Acceptance of new inclusions or changes will be subject to medical risk assessment
5. Post renewal process you will be eligible for a complimentary health check-up as per eligibility
mentioned in your policy schedule.

For & On Behalf of Go Digit General Insurance Ltd.

Praveen Bhat
Senior Vice President - Customer Experience
praveen.bhat@godigit.com
Authorized Signatory
Printed, Signed, and Executed at Bengaluru.

Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial
Layout, 5 Block, Bengaluru, Karnataka 560095, IRDAI Reg No. 158 CIN U66010PN2016PLC167410,
GST Reg. No. 29AACCO4128Q1ZW, HSN: 9971/General Insurance Services, GSTIN Address: Goa
Business centre, No. 719, House No. 1/311/111, 7th floor, Gera Imperium Grand, Patto Plaza,Panaji
Goa PIN-403001 . Website: www.godigit.com

Stay happy, stay fit!