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Digit Insurance

General Insurance

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[H1]
Do the Digit Insurance
Trusted by 7 Crore+ Indians

Up to 90% Off^

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Car

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Bike

0% GST on Premium

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Health

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Commercial

0% GST on Premium

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Travel

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Home

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Renewals

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+91
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Port My Policy
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& Conditions

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Your
Name

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Number
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of porting your policy to Digit

[H3] Sorry!

[H4] We are facing some issue in
processing your request.
{{abs.isPartnerAvailable ? 'We require some time
to check & resolve the issue. If
customers
policy is
expiring soon, please proceed with other insurers to issue the policy.' : 'We require some time
to
check & resolve
the issue.'}}
We wouldn't want to
lose a customer but in case your policy
is
expiring
soon, please consider exploring other insurers.

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Number

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to Digit General Insurance.

Trip Type

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Multi

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[H1] Do the Digit Insurance

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Car
Up to 90% Off^

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Bike

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Commercial

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Health
0% GST on Premium

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Travel
0% GST on Premium

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Home

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Workmen Compensation

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[H3] Motor

Car

Bike

Car Own Damage

Commercial Vehicle

Auto Rickshaw

Tax/Cab

[H3] Health

Health

Arogya Sanjeevani

Super Top-Up

Port Health Policy

OPD

Employee Health

[H3] Property & Travel

Travel

Home

Shop

Property

Fire

Student Travel

[H3] Business

D&O Liability

Plant & Machinery

Workmen Compensation

Contractors All Risk

Erection All Risk

Professional Liability

×
This product belongs to Digit General Insurance

I/We, hereby declare that the statements and particulars given in this Proposal form
are complete, true
and
accurate and I/We agree that the Insurance company will not be liable under the insurance contract if it
is
found that any of my/our statements or particulars or declarations in this proposal form or other
documents
are incorrect /misleading /Fraudulent in any respect on any matter to the grant of a cover or submission
of
claim in future.
I declare that the premium paid under this transaction to Go Digit General Insurance
Limited is being
paid
by me i.e. the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment
Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as “source
account”). I confirm that it is not a third party payment made by any other person on my behalf. I
understand
that in the event of a policy cancellation,the refund of premium as per policy terms and conditions may be
credited back to such source account and such electronic transfer will constitute full and final discharge
of
the Company’s obligation.
I/We declare that the rate of NCB claimed by me/us is correct and that no claim as
arisen in the expiring
policy period (copy of the policy enclosed). I/We further undertake that if this declaration is found to
be
incorrect, all benefits under the policy in respect of Section I of the Policy will stand forfeited.
I hereby affirmatively warrant that the Assured named herein/owner of the vehicle
insured holds a valid
Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and the same has been
shown to the agent/authorized person of intermediary. I further undertake to renew and maintain a valid
and
effective PUC Certificate during the duration of the Policy period. If the PUC certificate is not found
valid
on the date of loss, I understand that the Company reserves the right to cancel the policy.
I/We, hereby agree that in Case of Break in Insurance, the policy would be issued
subject to acceptance
of
risk after evaluation of the Vehicle Inspection report. Own Damage cover (Section – I) would not
commence
unless the satisfactory Vehicle Inspection report has been received by us. If the Company does not receive
the
Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel Policy as
per
the Motor Tariff.
I/We further declare that l/we will notify in writing any change in the details so
furnished hereinabove
occurring after the proposal has been submitted but before communication of the risk acceptance by the
Company.
I/We authorize the Company to share information pertaining to my proposal including
medical records for
the
sole purpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory
authority.
By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance)
to
call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer you
information and services for the product(s) you have opted for as well as other products/services offered
by
Digit Insurance. Please note that such authorization will be over and above any registration of the
contact
number on TRAI’s NDNC registry.
This policy has been issued based on your declaration of Gross Annual Income and that Base Sum Insured
chosen
is not more than 10 times of such Gross Annual Income. In the event the declaration is found to be
incorrect/wrong and/or non-submission of income proof to justify this declaration, it may result in
inadmissibility of claim and/or cancellation of policy.
I confirm that the Gross Annual Income of the family in this proposal is true and correct and undertake to
submit relevant income proof(s) in the event of claim in this regard.
This is to confirm that the Insured member(s) under this Policy does not work in Nuclear power plants,
underground mines, explosives, hazardous material (e.g., fertilizers, asbestos fibre, toxic gases, toxic
chemicals, pesticides etc)
This is to confirm that the Insured member(s) under this Policy does not work in underground mines, in
explosive magazines or in electrical installations with high tension supply, or insured is a jockey,
circus
personnel, engaged in racing on wheels or horseback, big game hunting, mountaineering, winter sports,
skiing,
ice hockey, river rafting, polo, or in similar activity or occupation

×
Terms and conditions

I Agree

×
Terms and conditions

I Agree

×

[IMG: Zero GST on Health Insurance]

[IMG: Zero GST on Health Insurance]

[H2]
What Would you like to Protect Today?

[H3] Motor Insurance

[IMG: Car]

Car

Pay as you Drive

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Bike

Starting ₹714

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OD for Car

Standalone OD Cover

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Rickshaw

Auto & e-Rickshaws

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Taxi/Cab

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Truck

[H3] Health Insurance

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Health

Infinity Wallet

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OPD Health Insurance

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Super Top-up

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Arogya Sanjeevani Policy

₹1 Cr SI starting ₹640/m

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Port Health Policy

Switch to Digit

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Employee Health

[H3] Business Insurance

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D&O Insurance

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Erection All Risk Insurance

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Contractors All Risk

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Workmen Compensation

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Marine Cargo Insurance

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CPM Insurance

[H3] Travel & Property

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International Travel

Starting ₹225

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Student Travel

Up to $1M SI

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Property

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Home

Starting ₹150/year*

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Shop

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Fire

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Burglary

[H2]
Popular Features you can Try!

[H3] Popular Features you can Try!

[H3] Check Pending Challans
List of Pending Challans on your Vehicle
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[H3] Check Credit Score
Get it for FREE Online
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[H3] VAHAN Owner Details
Check Vehicle Owner Details Instantly
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[H3] Generate ABHA ID
Download Your ABHA ID Instantly
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false

[H2]

allProdct

[H2] Why Choose Us?

[H3] Why Choose Us?

[IMG: Super-Simple Claims]

Super-Simple Claims
Smart phone enabled Self Inspection done in minutes!

[IMG: Simple Documents]

Simple Documents
We are trusted by 7 Crore+ customers.

[IMG: Totally Paperless]

Totally Paperless
Digital and real-time processes with zero paper work

[H2]
That's it, That's Digit

[IMG: play]

[IMG: video]

Is your Third‑party Insurance Active? #RoadSafetyWeek

Digit Insurance awarded Best Fintech Insurance Company | Financial Express Best Banks Awards 2025

"Drive Less Pay Less" Digit Car Insurance with Pay as You Drive

Does your Insurance Cover the Essentials, Battery, Motor, Charger?

"NOT JUST AN INSURANCE APP" Buy Insurance, Track Claims and Other Features in Digit App

Become a Partner with Digit Insurance and Grow your Business!

"NO LAST MINUTES SHOCKS" Digit Health Insurance with Consumables

Digit Health Insurance with Infinite Cumulative Bonus

false

[H2]
What Our Customers Have to Say about Us

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Write a Review
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allProdct

[H2]
Exclusive Features on Digit App

Check Pending Challans
Only on Digit App

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Scan to Download

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4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

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4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

Check Pending Challans

Check Vehicle PUC Expiry
Only on Digit App!

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Scan to Download

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4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

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[IMG: play-store]

4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

Check Vehicle PUC

Get your Vehicle Report Card
Generate on the Digit App Today!

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Scan to Download

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4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

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[IMG: play-store]

4.8
Rated App
1L+ Reviews

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4.2
Rated App
21K+ Reviews

Generate Report Card

Check Credit Score for FREE
Only on Digit App!

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Scan to Download

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4.8
Rated App
1L+ Reviews

[H1] Health Insurance

Health insurance is a financial protection plan that helps you pay for both planned and emergency medical treatment. When you have a health insurance policy, you can receive hospital care, surgeries, doctor consultations, diagnostic tests, and medicines without worrying about paying the entire bill from your own pocket.
Read more...
The insurance company covers these expenses as per the terms of your policy in return for the premium you pay. Healthcare costs are rising every year. Even a short hospital stay or a small surgery can affect your savings. A health insurance plan, also known as medical insurance, reduces this burden by covering treatment costs and giving you access to better healthcare facilities. It ensures that you and your family can focus on recovery instead of financial stress. In simple words, a health insurance policy protects your health and your money at the same time. Choosing the right plan helps you stay prepared for unexpected medical emergencies and future healthcare needs.
Read less

Buy Health Insurance Online

[IMG: usp icon]

9000+
Cashless Hospitals

[IMG: usp icon]

2.5 Crore+
Lives Insured

[IMG: usp icon]

4.5 Lacs+
Claims Settled

0% GST
on Health Premiums
false

Pincode
+91
Mobile Number

View Prices

I agree to the Terms & Conditions

Port Existing Policy

Get Exclusive Porting Benefits

0% GST
on Health Premiums

Your Name
+91
Mobile Number

Request Call Back
We'll Call you Back

I agree to the Terms & Conditions
true

Buy a New Health Policy

Get exclusive Benefits

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Check Prices
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Buy Health Insurance, Up to 20% Discount

Pincode

Mobile Number
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Port Existing Policy

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Your Name

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Buy a New Health Policy
Request Call Back
We'll Call you Back

[H3] Sorry!

[H4]
{{ abs.isPartnerAvailable ? 'We are facing some issue in processing your request.' : 'This proposal requires further underwriting evaluation. You are requested to visit our nearest branch and seek suitable options for your insurance needs.'}}
We require some time to check & resolve the issue. If customers policy is expiring soon, please proceed with other insurers to issue the policy.

While we would never want to lose a customer, you are requested to consider exploring other insurers in case your policy is expiring soon.

Okay

[IMG: usp icon]

9000+
Cashless Hospitals

[IMG: usp icon]

2.5 Crore+
Lives Insured

[IMG: usp icon]

4.5 Lacs+
Claims Settled

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Terms and conditions

I Agree

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[IMG: Srishti Singh]

Written By
Srishti Singh

×

[IMG: Srishti Singh]

Srishti Singh

Senior Marketing Associate

Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.

[IMG: Vivek Chaturvedi]

Reviewed by
Vivek Chaturvedi

×

[IMG: Vivek Chaturvedi]

Vivek Chaturvedi

Chief Marketing Officer

Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.

[IMG: Health Insurance]

[H2] What is Health Insurance?

Health insurance is like a safety net that helps you pay for medical care when you are sick or injured. You pay a certain amount regularly (called a premium) to the insurance company, and in return, they help cover the costs when you visit the doctor, undergo tests, or require treatment.
This includes expenses incurred during pre and post-hospitalisation, annual  health check-ups, psychiatric support, critical illnesses and organ donor expenses, amongst others, as per your customised health insurance plan. 
Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.

[H2] Why Do You Need Health Insurance?
Health insurance is needed to protect you financially and ensure you get the best medical care when needed. Here are some reasons why having a health insurance policy is important:

[H2]
“I don’t need Health Insurance”
If you believe that, read on:

Our Expert Explains Why You Need Health Insurance Even If You're Healthy
Being healthy and having savings is great, but it’s not a substitute for health insurance. Medical expenses are unpredictable, and the cost of treatment is rising fast. According to the NSSO, 62% of Indians rely on personal savings for healthcare, and IRDAI reports that hospitalisation in private hospitals now costs more than ₹50,000+ on average.
Health insurance isn’t just about covering current risks; it’s about protecting your future. Buying a health policy while you’re young and healthy means lower premiums, better benefits, and uninterrupted coverage. Besides, one does not need to wait for a medical emergency to realise its value.

Shubham Sinha
Product Manager - Health

[H2] Types of Health Insurance Policies in India

[H2] Benefits of Buying Health Insurance at an Early Age
Buying health insurance at an early age has multiple benefits, including financial, medical and even emotional. Here’s why it's smart to have health insurance at a young age:

[IMG: Health Insurance Plans in India]

[H2] Why Choose Digit Health Insurance?

Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!

No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.

No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.

SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.

Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.

Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

false

[H2]

health

[H2]
Key Benefits of Health Insurance Plans by Digit

Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:

Key Features
Digit Benefit
Cashless Hospitals
9000+ Network Hospitals across India
Premium Discount
Up to 20% Discount Available
Wellness Benefits
Available from 12+ Wellness Partners
Cumulative Bonus
Up to 50% for every claim-free year (with a maximum benefit of 100%)
Customisable Add-Ons
3 Add-ons available (Consumable Cover, Infinite Cumulative Bonus and Smart Save)*
Co-payment
No Age-based or Zone-Based Co-payment
No Room Rent Restriction
Choose any room of your choice without any extra charges

* These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal

All Hospitalisation - due to Accident, Illness, Critical Illness or COVID

This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.

✔

✔

✔

Initial Waiting Period

You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.

✔

✔

✔

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

✔

✔

✔

Sum Insured Back Up

We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Cumulative Bonus

[IMG: digit_special]
Digit Special

No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!

10% of Base Sum Insured for every claim free year, up to max 100%.

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

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

No Room Rent Capping

Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..

✔

✔

✔

Day Care Procedures

Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.

✔

✔

✔

Worldwide Coverage

[IMG: digit_special]
Digit Special

Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!

×

×

✔

Health Check-up

We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

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

0.25% of SI up to ₹ 2,000 after every year.

Emergency Air Ambulance Expenses

There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.

×

✔

✔

Age/Zone Based Co-payment

[IMG: digit_special]
Digit Special

Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.

No Co-payment

No Co-payment

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalised.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalisation

This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

60/180 Days

Pre-Existing Disease (PED) Waiting Period

The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.

3 Years

3 Years

3 Years

Specific Illness Waiting Period

This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

1-3 Years

1-3 Years

1-3 Years

Inbuilt Personal Accident Cover

If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.

₹ 50,000

₹ 1,00,000

₹ 1,00,000

Organ Donor Expenses

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Digit Special

Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!

✔

✔

✔

Domiciliary Hospitalisation

Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.

✔

✔

✔

Bariatric Surgery

Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.

✔

✔

✔

Psychiatric Illness

If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.

✔

✔

✔

Consumables Cover

Before, during & after hos

[H1]

Home Insurance

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Zero
Documentation

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24x7
Support

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Written By
Srishti Singh

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Srishti Singh

Senior Marketing Associate

Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.

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Reviewed by
Vivek Chaturvedi

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Vivek Chaturvedi

Chief Marketing Officer

Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.

[H2] Buy Home Insurance Online in India starting from ₹150/year*

Home insurance, also known as homeowners insurance, is a type of property insurance that provides financial protection against losses and damages to an individual's house and the assets inside it. From your expensive gadgets and beautiful interiors to your jewellery and other valuable belongings, home insurance protects everything.

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What is Home Insurance?

Home insurance is a policy that helps you cover your own home or rented apartment, as well as your personal belongings within, from unforeseen circumstances such as burglary, fire, flood, storm, and explosion.
This type of insurance is especially important for homeowners who want to safeguard their investment and ensure they are not left with significant out-of-pocket expenses after a disaster. Our Go Digit, Bharat Griha Raksha Policy will help you secure your home and valuables.
To ensure that your home is secured against burglaries as well, you can combine the Digit Burglary Insurance policy with your Home Insurance policy.

[H2] Why Do You Need Home Insurance?
Home insurance is essential because it provides financial protection against unexpected events that could damage or destroy your home and belongings. Here are some reasons why you must have home insurance:

[H2]
“You Think Home Insurance Isn’t Necessary?”
If you’re still thinking so, read on…

[H2] All You Need To Know About Home Insurance

Check this Conversation out to know everything about Home Insurance by Expert- Vivek Chaturvedi.

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*This Video is just for information Purpose

[H2] Benefits of Protecting Your Home with Home Insurance
Protecting your home with home insurance offers several important advantages that go beyond just financial coverage. Here are some key advantages:

[H2] Types of Coverage in a Home Insurance Policy
In general, the Bharat Griha Raksha policy offers three different kinds of coverage.  You can select any kind based on your needs and financial constraints.

Note: In home insurance, building refers to the physical aspect of your house and contents refers to the articles and things in your house.

[H2] Types of Buildings Covered Under Home Insurance
From independent owned homes to rented apartments; a home insurance by Digit is designed to suit all types of houses.

[H2] Who Should Get Home Insurance?
Home insurance is recommended for anyone who owns or resides in a home, regardless of the type or location of the home. Here’s who should consider getting it:

[H2] Why Choose Digit for Home Insurance?

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[H2] What’s Great About Home Insurance by Digit?

Go Digit, Bharat Griha Raksha policy is great because it offers the below mentioned benefits:

Value for Money - We ensure your home is covered and the premium is affordable for you and under your budget!

Digital Friendly - With Digit, everything from buying a home insurance policy to making claims is simple and can be done online! (Note: Claims above 1 lakh will need manual inspection as per the IRDAI).

Comprehensive Protection of Your Home - Natural calamities, such as earthquakes or floods, as well as theft and burglaries, can occur at any time. Home insurance covers all of these situations and more.

Tenant and Owner Security - You can discover a house insurance policy that safeguards your safe haven, whether you're a renter or a homeowner.

24x7 Customer Support - Emergencies come unannounced and can happen at any point in time! Hence, we are always a ring away, no matter the time or day!

[H2] What’s Covered in Home Insurance by Digit?

[H2] What’s Not Covered?
Bharat Griha Raksha policy does not cover damages caused by the reasons mentioned below:

[H2] How to Buy Home Insurance from Digit Online?
Whether you’re buying your insurance policy from our mobile app or website, you can follow these easy steps and secure your home.

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Visit and Select Property Type:
Go to Digit’s Bharat Griha Raksha Insurance Policy page or download the Digit App. Select your property type and enter your PIN code and mobile number.

View Prices and Enter Details:
Click ‘View Prices’, enter your plan and home building details, and choose your plan.

Fill in Personal Details:
Provide the property owner's name, mobile number, email ID, and PAN card number.

Payment and KYC:
Pay online via Card, Net Banking, UPI, Wallet, or EMI. Complete KYC to issue your policy.

[H2] Documents Required to Buy Home Insurance
When purchasing a home insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:

Identity Proof

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✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License

Address Proof

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✔ Aadhaar Card
✔ Passport
✔ Utility Bills (Electricity, Water, Gas)
✔ Rental Agreement

Property Documents

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✔ Sale Deed or Title Deed
✔ Property Registration Certificate
✔ Home Loan Agreement (if applicable)
✔ Property Tax Reciept

KYC Documents

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✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)

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[H2] Why Should You Buy a Home Insurance Plan Online?

Buying anything online is undoubtedly convenient and faster. For decisions as crucial as home insurance, it’s always better to have the time and peace of mind to decide on the best possible choice. Here are a few reasons why you must buy home insurance online.
You can avoid standing in long lines outside the insurer's office, interacting with representatives, or waiting around when you get house insurance online.
Forget about handling a ton of paperwork. Buying health insurance online is easy and convenient with a few clicks.
When you buy house insurance online, you have a lot of alternatives for adding extra coverage to your policy.
You can buy straight from the insurance provider, eliminating the need to pay an agent or commission.
You can easily check, select, and decide to buy home insurance online by comparing coverage, add-ons, and sum insured.

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[H2] Factors that Affect Your Home Insurance Premium

Several factors influence the home insurance premium you pay. These factors help insurers assess the risk associated with insuring your property. Here are some:
Type of Home  - Your premium amount differs if you have your own property, are renting a place, or if it is an apartment or independent bungalow, or even the type of furnishing affects your premium rate.
Location of the Building – If your home is in zones prone to disasters such as floods, fires or even in unsafe areas where crime and theft are common, it could affect the amount of premium you have to pay. Homes located in a safer society offer an economic premium.
Age of Home - Like any other insurance policy, age is a prime factor in determining premium prices.

Size of Home - The square ft area of your home has the highest and direct impact on your home insurance premium.
Value of your Belongings – The value of your belongings in your home also affects the amount of premium you will have to pay. For example, if you have expensive jewellery, artefacts, expensive gadgets, etc. insuring these items is crucial. This will also directly reflect in your premium amount.
Home Safety Measures  - We’re all obsessed with the safety of our homes. So, we take various measures, such as adding a security system, to keep our homes safe. This positively impacts your premium, resulting in a lower rate. 
Additional Coverages  -  Some home insurance policies offer additional coverage to cover things beyond the standard plan. This consequently affects one’s premium.
Read More

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[H2] Tips to Select the Best Home Insurance Plans
When you’re deciding to buy a home insurance policy, the following are some of the important factors you can compare to choose the right plan for your home:

[H2] Why You Must Buy Home Insurance: In Coversation with Dilip Baba Neeronthiyil, Head-Underwriting, Digit Insurance

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[H2] Digit makes it to the headlines!

Fires and gas explosions at home: What's covered under insurance and What's not?
30 June 2025
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LPG-Cylinder Explosions: How Home Insurance Helps You In Its Aftermath?
27 June 2025
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Why should you get a house insurance cover? MintGenie explains
16 Feb 2023
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Home Insurance checklist ahead of Monsoon 2022: Take cover for your home and its contents, too
18 Jul 2023
Rajeev Kumar

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Bharat Griha Raksha standard home insurance policy offers auto increase of sum insured: Should you buy?
01 Sep 2021
Naveen Kumar

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How to secure your home against flood with property insurance?
9 Dec 2021
Anshul

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Wall leakages, cutlery, plants and more; all that a home insurance may cover
17 Jan 2020
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Add home insurance cover to your financial planning
14 Sep 2022
B. KRISHNA MOHAN

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[H2] How to File a Home Insurance Claim at Digit?
Filing a claim with Digit is a quick, simple and hassle-free process. We’ve listed out what you can do to file a claim with us:

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Call us at 1800-258-5956. We will assist you in filing a claim and investigating the loss or damage as necessary.

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Upload the required documents & your bank account details, on the link sent.

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After verification, the approved claim amount is reimbursed to you.

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[H2] Mumbai Fire Claim of ₹31.68 Lakh Settled by Digit in FY 2024 - 2025

A devastating fire at a residential property in Mumbai left the homeowner facing massive damages. With losses mounting, Digit stepped in and settled a claim worth ₹31.68 lakh, one of our highest home insurance settlements in FY 2024 - 2025.
What mattered most was how seamlessly and transparently we handled the process. From the initial claim notification to the final settlement, everything was managed with clarity, speed, and genuine support.
At Digit, it’s never just about the property; it’s about the people who make it home. ?

Your home is more than just walls and a roof, and it’s where life happens. ? From morning coffees to bedtime stories, it's the backdrop of your everyday memories. And while we can't always control what life throws at us, we can definitely prepare for it. Hence, getting a home insurance policy isn’t just a financial decision; it’s a promise to protect everything you’ve built and love.
So, whether you're a first-time homeowner or someone who's been living in the same space for years, give your home the protection it deserves.
After all, peace of mind isn’t expensive, it’s priceless.

[H2] Read These Essential Tips to Secure Your Home

[IMG: Top Home Safety Tips & Ways to Secure Your Home]

Top Home Safety Tips & Ways to Secure Your Home
20 June 2025
godigit.com

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[IMG: LPG Gas Safety Tips and Precautions for Your Home]

LPG Gas Safety Tips and Precautions for Your Home
20 June 2025
godigit.com

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[IMG: How to Prevent Short Circuit & Tips to Avoid]

How to Prevent Short Circuit & Tips to Avoid?
20 June 2025
godigit.com

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[IMG: How to Keep Your Kitchen Safe from Fire]

How to Keep Your Kitchen Safe from Fire, Common Causes & Prevention Tips?
20 June 2025
godigit.com

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FAQs about Home Insurance in India

All

General

Policy

Claims

Renewals

Yes, structure and building refers to the same thing; i.e. the physical aspects of your house such as the pillars, windows, outer walls, etc.
Yes, structure and building refers to the same thing; i.e. the physical aspects of your house such as the pillars, windows, outer walls, etc.

If your house has faced damages due to events such as a fire, robbery, storm, flood or earthquake, then you should immediately call us at our helpline number 1800-258-5956 (we’re available 24x7!) and we’ll take care of the rest.
If your house has faced damages due to events such as a fire, robbery, storm, flood or earthquake, then you should immediately call us at our helpline number 1800-258-5956 (we’re available 24x7!) and we’ll take care of the rest.

Yes, you can cancel your policy at any time. The premium amount will be r