Go Digit’s COVID 19 Cover

Frequently Asked Questions

1. What is Digit Group Illness Insurance?

Digit Group Illness Insurance is an indemnity [Cost of hospitalization and related expenses
and not a lump sum disbursement] product, covering your hospitalization expenses
incurred due to positive diagnosis of Coronavirus disease (COVID-19). Anyone between
the age group of 18 to 60 years is eligible to buy the voluntary coronavirus
(COVID-19) cover (you can also cover anyone in your family up to the age of 60 years)

2. What is the maximum Sum Insured that I can opt for in this policy?
This policy has individual Sum Insured options up of INR 1 lakh, 3 lakhs and INR 5 Lakhs,
which means that each individual can avail a policy up to a maximum Sum Insured of
INR 5 Lakhs per person.

3. What is the policy period?

The policy is applicable for one year from the date the policy is taken.

4. Is this a policy offered by Wipro as a group plan?

No, this is not a group insurance plan by Wipro, this is an individual program which you
can take on voluntary basis. The premium for this insurance cover needs to be borne by
you

5. Can we reimburse the premium for this plan under Wipro’s MAS?
No, this is a voluntary plan and the premium for this will not be reimbursable under MAS

6. How can I opt for this insurance

Please follow the below steps:

Sensitivity: Internal & Restricted

  Once you click on the link provided in the mailer (received from Wipro
Advantage): ‘Click Here to buy (for age 0-50)’ and ‘Click here to buy (for age 51-
60)’
 You will be directed to Vantage Circle’s page.
 You need to log in using the OTP option or you can register using your Wipro mail
ID.
 Please go through the ‘Offer Highlights’ and ‘Terms and Conditions’
 Click on ‘Get the Offer’
 On the pop-up click on ‘Go to Digit Insurance Website’
 For the next steps you can refer to the User Guide shared with the mailer

7. What is the premium for the varied Individual plans available?

Sum Insured Options (in

100,000 300,000 500,000
INR)

Annual Premium (INR) for

age 0-50 yrs (incl. 18% 736 2,189 3,090
GST)

Annual Premium (INR) for

age 51-60 yrs (incl. 18% 525 1,564 2,207
GST)

8. When can I make a claim?

You can make a claim if you are diagnosed and tested positive for COVID-19 and
hospitalized solely due to COVID-19.

9. Is this a Floater or Individual Policy?

This is an Individual Sum Insured policy. Thus if you select a Sum Insured of Rs 5 lakh for
yourself and your family members individually, each member in your family will be
covered up to Rs 5 lakh.

10. Is it mandatory to have an inpatient treatment at a hospital, for a claim to be admitted

under the policy?

Sensitivity: Internal & Restricted

 Yes, the policy is for inpatient treatment in any hospitals only (Government, Private –
government authorized, Military).

11. If I get quarantined, will my policy cover the Hospitalization expenses incurred? Yes.
Coverage for Quarantine in a hospital shall be payable only if it is later diagnosed that
insured person was suffering from COVID-19 during the Quarantine.

12. By when will the individual policy copies be shared post payment?
Policy copies shall mailed to respective e-mail ID’s shared during enrolment within 48 hrs
of receiving the payment by Digit.

13. Is there any waiting period applicable in this policy?

Yes, the Digit COVID Insurance has an initial waiting period of 15 days and shall be
applicable for anyone who avails of this policy.

14. What is co-morbidity clause and is it excluded in the policy?

Comorbidity is a condition [diabetes, hypertension, disease related to
heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing
medication] for which treatment is currently being undertaken by the employee or
their respective dependents. The same is being waived/covered for all members up to
the age of 50 years in the policy. Since this is a general exclusion across policies, the
employees would be needed to accept the same while making payments, please be
rest assured that the policy covers all comorbidities up to the age of 50 years.

15. What are the other important exclusions in the policy?

Exclusions under the Digit Group Illness Insurance plan include:

• Hospitalization expenses in case of testing negative for Coronavirus disease (COVID-

19.
• Charges towards treatment or quarantine for Coronavirus disease (COVID-19) before
the policy issuance will not be covered.

Sensitivity: Internal & Restricted

• Comorbidity exclusion clause- Insured Member(s) is/are suffering from fever or
suffering /suffered from diabetes, hypertension, disease related to
heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing
medication or the insured members(s) is/are due for any medical treatment, at the
time of buying this policy above the age of 50 yrs.

• Home hospitalisation (Domiciliary hospitalisation) expenses will not be covered

• Hospitalisation expenses for patients only under investigation with inconclusive
medical report will not be covered.

• Treatment taken outside India will not be covered.

• Test report for Coronavirus disease (COVID-19) conducted from centres other than
Govt/ICMR Authorized test Centre in India will not be considered.

Sensitivity: Internal & Restricted