Go Digit General Insurance is not just another insurer in India. It is a tech-driven, customer-first insurance company that’s revolutionising how Indians buy and use insurance. Founded with a mission to simplify insurance for everyone, Digit stands out through digital innovation, paperless processes, and customer-friendly products.
In a country where insurance was once seen as complicated, Go Digit has made it refreshingly simple. Its growing popularity among urban and rural policyholders alike reflects its value-driven approach.
From health to motor, travel to business insurance, Go Digit offers a wide bouquet of offerings. Its unique proposition? No jargon. No red tape. Just transparent, hassle-free coverage that works when it matters the most.
Company Background
Origin and Formation
Go Digit General Insurance was launched in 2017. It was founded by Kamesh Goyal, a veteran of the insurance industry, and backed by Canadian billionaire Prem Watsa’s Fairfax Group. From the beginning, the idea was to build an insurer that uses technology to remove friction from insurance.
Timeline of Growth
- 2017: Incorporated and granted license by IRDAI.
- 2018: Launched retail motor and travel insurance products.
- 2019: Achieved over ₹1,000 crore in premium collections.
- 2020–2022: Added new verticals like business and property insurance.
- 2023–2024: Crossed 3 crore customers; became a household name in motor and health insurance.
Key Milestones
- Among the first to introduce smartphone-based self-inspection for claims.
- Recognised as one of Asia’s most innovative insurers.
- Rated consistently high for Net Promoter Score (NPS) by customers.
Mission and Vision
Mission: To make insurance simple and accessible using technology.
Vision: To become the most-loved insurance company in India—trusted, transparent, and digitally savvy.
Why Choose Go Digit General Insurance?
1. Digital-First Experience
Digit eliminates paperwork at every stage. From buying to claiming, it’s all online. Their mobile app is intuitive and built for real-time convenience.
2. Customisable Plans
Whether you are buying car insurance or a business policy, Digit allows customisation. You can tweak features, add riders, and even opt for flexible deductibles.
3. Fast Claims Processing
Digit’s claim settlement process is one of the fastest in India. Most motor insurance claims are approved within 24 hours. Health insurance claims are settled via cashless or reimbursement without delay.
4. Affordable Premiums
With tech at its core, Digit cuts down operational costs. The savings are passed on to customers via lower premiums, especially in car and bike insurance.
5. No Hidden Terms
Every policy is written in plain language. No fine print. No ambiguity. Everything is clearly mentioned so that policyholders know exactly what they are getting.
6. 24/7 Customer Support
Customer service is available around the clock via call, chat, and email. Even during public holidays, Digit keeps its customer service live.
7. Wide Range of Offerings
From personal insurance like health, travel, and motor to corporate solutions like D&O or property insurance, Digit caters to individuals, SMEs, and large enterprises.
8. Strong Reinsurance Support
Being backed by Fairfax, Digit has robust financial backing and global reinsurance support, which ensures large claims are handled confidently.
Product Portfolio Overview
A. Health Insurance
Overview
Go Digit offers health plans that cover both individual and family needs. From hospitalisation to COVID care, the policies are comprehensive.
Popular Plans
- Digit Health Care Plus: Covers hospitalisation, daycare procedures, and pre-post hospital expenses.
- Digit Arogya Sanjeevani: An IRDAI-standardised product for simple health needs.
- Digit Super Top-Up: Adds extra coverage above a threshold limit.
What is Covered
- Hospital room rent and ICU charges
- Pre- and post-hospitalisation expenses
- Daycare treatments
- Ambulance charges
- COVID-19 hospitalisation
What is Not Covered
- Pre-existing conditions in the waiting period
- Cosmetic treatments
- Unproven therapies
- OPD expenses (unless covered)
- Injuries from adventure sports (unless add-on)
B. Commercial Vehicle Insurance
Overview
Digit’s commercial vehicle insurance safeguards trucks, taxis, and fleet vehicles from financial losses due to damage, theft, or accidents.
Popular Plans
- Third-Party Commercial Cover: Meets legal requirements.
- Comprehensive Commercial Policy: Includes own damage and third-party.
- Goods Carrying Vehicle Insurance: Tailored for transporters.
What is Covered
- Accidental damage
- Fire and explosion
- Theft or burglary
- Natural calamities
- Legal liability to third parties
What is Not Covered
- Drunk driving incidents
- Depreciation costs
- Electrical breakdown
- Commercial use of private vehicle
- Unauthorised use of vehicle
C. Travel Insurance
Overview
Digit offers easy travel insurance for domestic and international trips. It covers medical emergencies, trip cancellation, and more.
Popular Plans
- Digit Domestic Travel Insurance: For within India travel safety.
- Digit International Travel Policy: For medical, loss, and emergencies abroad.
- Student Travel Insurance: For students going abroad for education.
What is Covered
- Medical emergencies
- Baggage loss or delay
- Trip cancellation
- Passport loss
- Personal accident abroad
What is Not Covered
- Travelling against medical advice
- Adventure sports injury
- Pre-existing illnesses
- Travel without valid visa
- Unattended baggage losses
D. Business Insurance
Overview
Digit’s business insurance protects enterprises against risks such as employee injuries, legal liabilities, and cyber threats.
Popular Plans
- Workmen Compensation Insurance
- Directors & Officers (D&O) Liability
- Cyber Risk Insurance
- Commercial Property Insurance
What is Covered
- Employee injury liabilities
- Claims from shareholders or customers
- Data breach response
- Asset protection
- Legal expenses
What is Not Covered
- Illegal business activities
- Uninsurable fines or penalties
- War damages
- Known losses prior to policy start
- Criminal misconduct
E. Home Insurance
Overview
Home insurance plans from Digit secure your house and belongings from natural calamities, theft, and accidents.
Popular Plans
- Home Building Cover: For structure damages.
- Home Contents Cover: For furniture, appliances, etc.
- Combined Cover: Building + contents.
What is Covered
- Fire, explosion
- Earthquake and floods
- Burglary and theft
- Riot and strike damage
- Impact by vehicles or animals
What is Not Covered
- Intentional damages
- War and nuclear risks
- Under-construction homes
- Theft without forced entry
- Commercial use of home
F. Erection All Risk Insurance
Overview
Covers civil and mechanical works during erection of industrial or commercial setups.
Popular Plans
- Single Project Erection Policy
- Annual Erection Projects Policy
What is Covered
- Material damage
- Third-party liability
- Testing phase cover
- Natural calamities during erection
- Fire and explosion
What is Not Covered
- Wear and tear
- Faulty design
- War risks
- Contractor negligence
- Corrosion damages
G. Property Insurance
Overview
Property insurance shields commercial and residential properties from financial losses.
Popular Plans
- Standard Fire and Special Perils Policy
- All-Risk Insurance for Equipment
- Industrial All Risk Cover
What is Covered
- Fire and allied perils
- Riot, strike, and malicious damage
- Burglary and theft
- Earthquake and flood
- Accidental damage
What is Not Covered
- Wilful negligence
- Terrorism (unless add-on)
- Unoccupied property damage
- War or nuclear events
- Illegal constructions
H. Contractors All Risk Insurance
Overview
Covers construction projects against unforeseen events from site to completion.
Popular Plans
- Project-Specific CAR Policy
- Annual Contractor Package
What is Covered
- Construction site damage
- Fire, theft, and natural events
- Labourers’ accidents
- Transit damage
- Testing and commissioning
What is Not Covered
- Design flaws
- Faulty workmanship
- Nuclear perils
- Internal wear and tear
- Pre-existing damage
I. Liability Insurance
Overview
Digit’s liability insurance offers financial security against claims for bodily injury or property damage to third parties.
Popular Plans
- Public Liability
- Product Liability
- Employer’s Liability Insurance
What is Covered
- Legal defence costs
- Third-party bodily injury
- Property damage
- Product defect claims
- Workplace incidents
What is Not Covered
- Contractual liabilities
- Deliberate acts
- Fines and penalties
- Pollution damage (unless covered)
- Nuclear incidents
J. Fidelity Insurance
Overview
Fidelity insurance protects businesses from employee dishonesty or fraud-related financial losses.
Popular Plans
- Individual Employee Policy
- Blanket Fidelity Guarantee Policy
What is Covered
- Employee theft
- Data tampering
- Cheque fraud
- Cash embezzlement
- Forgery
What is Not Covered
- Loss by outsiders
- Poor supervision losses
- Collusion with third parties
- Known frauds before policy
- Non-monetary losses
Claims Process
Overview
Go Digit prides itself on a simple, app-driven claim process. Customers can upload documents and get status updates in real-time.
Steps:
- Log in to the Digit app or website.
- Register the claim with policy and incident details.
- Upload supporting documents and photos.
- Surveyor (if needed) inspects damage.
- Claim is approved and settled digitally.
Renewal Process
Overview
Policyholders can renew policies within minutes using online platforms.
Steps:
- Visit Go Digit’s website or app.
- Log in to your account.
- Select the policy for renewal.
- Review and update details.
- Pay the premium to activate renewed cover.
Distribution Network
Financial Literacy and Community Outreach
Digit runs financial awareness campaigns across Tier-II and Tier-III towns. Workshops are conducted for SMEs to understand business risks.
ESG and Green Insurance
Digit promotes paperless processes to reduce environmental impact. They are also investing in green insurance models for EVs and clean-tech startups.
Wellness and Health
The company partners with hospitals and wellness platforms to offer preventive care discounts and health screenings for policyholders.
Awards and Recognitions
- Rated among Top 5 InsurTech Startups in Asia.
- Winner of ‘Best General Insurance Company – Digital Transformation’ Award.
- High claim settlement ratio and top customer satisfaction score.
- Recognised by IRDAI for innovation in digital claims.
Final Thoughts:
Go Digit General Insurance is not just an insurer—it’s a disruptor. With simplicity, transparency, and technology at its core, Digit has built trust across millions of Indian households and businesses. It has bridged the gap between traditional insurance and today’s mobile-first consumer.
From affordable premiums to speedy claims and a wide product range, Digit ticks all the right boxes. Whether you are a first-time policyholder or a business looking for robust coverage, Go Digit is a strong contender in India’s insurance future.
