Go Digit General Insurance Company
Originally founded as Oben, the company rebranded themselves as Go Digit in the year 2016. Headquartered in Bangalore, the company has entered the Insurance market with the motto “To Make Insurance Simple”.’ Within five years since their inception, they have earned the trust of over 3 crore Indians. Digit offers insurance solutions across verticals such as health, travel, motor, etc
Their biggest strength lies in providing simplified insurance solutions that includes reimagining products and redesigning processes. Decluttering the complex insurance market is no easy task. Go Digit has emerged as a trustable insurance provider in this segment with their transparent solutions.
Vision
Go Digit’s mission is to make insurance simple and accessible to everyone.
Mission
Go Digit believes in transparency at every level and have a strong penchant for innovation and redesigning the existing process to make it simple and accessible to all the customers.
Godigit Insurance: Everything You Need to Know in 2025
Godigit Insurance has quickly become one of the most trusted and innovative insurance providers in India, especially as more Indians in 2025 are looking for easier, digital-first ways to secure their health, vehicles, travel, and other assets. With a focus on transparency, digital convenience, and affordable premiums, Godigit has created a niche in a market full of traditional insurance players. In this article, we explore every aspect of Godigit Insurance, what makes it different, the products it offers, key benefits, challenges, and how it compares with other insurance companies in India.
What is Godigit Insurance?
Godigit Insurance, often referred to simply as “Digit,” is a general insurance company founded in 2016 and has grown rapidly in the Indian market by 2025. Powered by advanced technology and a simple claims process, Godigit serves both urban and rural audiences, offering motor, health, travel, and property insurance plans. The main idea behind Godigit Insurance is to make insurance straightforward, digital, and accessible for everyone, avoiding complex jargon and endless paperwork.
Digit operates purely through digital platforms and mobile apps, making every step—from buying a policy to making a claim—easy for the average consumer. By 2025, Digit has over 4 crore customers reported and continues to receive positive feedback for quick claim settlement, low-cost plans, and user-friendly customer support.
Why is Godigit Insurance Gaining Popularity in 2025?
Godigit Insurance stands out because it brings simplicity, speed, and transparency to an industry that has often been slow and confusing for the average Indian. Increasing smartphone usage, online payments, and awareness about insurance benefits have played a huge role in Godigit’s fast growth.
These are a few reasons why Godigit is popular among Indians in 2025:
- Hassle-free online claims process
- Affordable and flexible premiums
- Transparent coverage with minimal hidden clauses
- Customisable policies for different needs
- 24 by 7 customer support through multiple channels
How Has Godigit Digital Approach Changed the Insurance Sector in India?
Godigit has set new benchmarks with its fully digital processes, encouraging other insurance companies to upgrade their services to match rising consumer expectations. For example, its smartphone-based self-inspection for motor claims lets customers get damage assessed without any manual paperwork. Policy documents and renewal notices arrive instantly via email or WhatsApp.
This shift towards digital insurance means customers can compare plans, update details, and even make claims from their homes or offices anywhere in India.
Did you know? As per industry surveys, over 60 percent of new car insurance buyers in metro cities chose to buy or renew via digital portals by 2025.
What Types of Insurance Policies Does Godigit Offer?
Godigit Insurance offers a variety of general insurance products designed for families, individuals, and businesses. Each plan is customisable and clear about inclusions as well as exclusions.
Which Are the Main Godigit Insurance Products Available?
- Motor Insurance: This covers cars, bikes, and commercial vehicles against accidents, theft, damages, and third-party liabilities.
- Health Insurance: Offers coverage for hospitalisation, COVID19, critical illnesses, and even includes wellness benefits in select plans.
- Travel Insurance: Protects against trip cancellations, baggage loss, medical emergencies, and risks abroad.
- Home Insurance: Covers loss or damage to home structures and/or household items.
- Shop and Business Insurance: Solutions for small retailers and enterprises to protect their stocks and premises.
You can easily buy these insurance plans online, get instant policy documents, and use app based support for assistance.
What Makes Godigit’s Health Insurance Policy Unique?
Godigit’s health insurance is unique as it includes features like worldwide treatment, wellness programs for diabetes and hypertension, and quick cashless claim facilities. Some policies have zero copay for specific surgeries, so the insured can avoid stress during hospitalisation.
Family floater plans are popular since they offer sum insured options up to 2 crore INR, free health checkups, and instant policy issuance without lengthy waiting periods.
What Are the Key Features or Highlights of Godigit Insurance?
Godigit policyholders enjoy a range of benefits designed to save time, stress, and money. Let’s look at the top highlights for 2025.
What Are the Best Features That Set Godigit Apart?
- Fully digital onboarding: Buy, renew, or upgrade your insurance online in a few clicks.
- Quick claim settlement: Approved claims can be paid within a few hours to a couple of days.
- No paperwork required: Digital documentation reduces mistakes and delays.
- Customisable add-ons: Tailor plans with extra riders, zero depreciation, or engine protection.
- 24 by 7 assistance: Customer support available by chat, call, or WhatsApp anytime.
- Automatic policy renewal reminders: Prevent lapses and maintain continuous coverage.
- Climate risk protection: Many motor and home plans now include cover for floods or cyclones, reflecting recent weather trends in India.
- Pre-existing illness cover: Certain health insurance products offer coverage for common pre-existing conditions, subject to waiting periods.
Are There Any Exclusive Discounts or Bonuses?
Godigit regularly offers loyalty benefits, online purchase discounts up to 10 percent, and rewards for claim-free years. For example, no claim bonuses (NCB) can help reduce future premiums for careful drivers.
Did you know? Godigit’s claim approval rate was over 97 percent for motor and health claims in 2024, among the highest in the Indian insurance industry.
What Are the Pros and Cons of Choosing Godigit Insurance?
What Are the Major Advantages of Godigit Insurance in 2025?
Pros:
- Easy and quick digital process for buying, renewing, and claiming
- Affordable premiums compared to traditional insurers
- Simple, transparent policy wording
- High claim settlement ratio and fast disbursal
- Customisable riders and add ons for comprehensive coverage
- No paperwork and instant document delivery
- Tollfree and WhatsApp customer service available anytime
What Are Some Disadvantages to Consider?
Cons:
- Physical branches are limited, not ideal for those uncomfortable with online-only insurance
- Certain specialised risks may not be included in basic policies
- In rural areas with low digital connectivity, some may find claim reporting tricky
- Premiums can be slightly higher for high-risk profiles or luxury assets
- Health insurance waiting periods still apply for pre-existing diseases
Can You Trust Godigit for Large Claims or Emergencies?
Godigit’s claim settlement track record has been highly reliable, especially for motor and travel insurance. For health insurance, large hospital networks in metro and Tier-2 cities now accept Godigit’s cashless card. However, always check the hospital and garage network list before purchase for best results.
Expert insight: Insurance experts recommend Godigit for digitally savvy users who prefer managing their insurance from a smartphone, due to its straightforward customer experience.
How Does Godigit Insurance Compare with Other Leading Insurers in 2025?
Making a fair comparison helps you see what you really get with Godigit Insurance versus its key competitors like ICICI Lombard, HDFC ERGO, and Bajaj Allianz.
Godigit vs. Other Indian Insurance Providers
| Feature | Godigit | ICICI Lombard | HDFC ERGO | Bajaj Allianz |
|---|---|---|---|---|
| Year Started | 2016 | 2000 | 2002 | 2001 |
| Digital Focus | 100 percent | Partial | Partial | Partial |
| Claim Settlement Ratio | 97 percent | 94 percent | 92 percent | 91 percent |
| Online Claims | Yes (App and Web) | Yes | Yes | Yes |
| Customer Support | 24 by 7, WhatsApp chat | Phone, Email, App | Phone, App | Phone, Email, App |
| Premium Pricing | Low to Medium | Medium | Medium | Medium to High |
| Customisation | High | Moderate | Moderate | Moderate |
| Major Weakness | Few physical offices | Costly add ons | Slower processes | Higher premiums |
This table shows Godigit leads in pure digital experience, claim speed, and customer support innovations, though larger insurers may offer broader offline presence and legacy advantages.
Why Do Some Customers Still Prefer Traditional Insurers?
While Godigit is great for tech savvy and urban users, some customers—especially older adults and rural residents—prefer face-to-face interaction and in person support. Traditional insurers score better in those cases, though they usually involve longer paperwork and higher costs.
Did you know? In a 2025 survey by ET Insurance, over 70 percent of customers under age 35 would pick a digital insurer like Godigit due to speed and transparent pricing.
How is the Godigit Claims Process in 2025?
Godigit’s standout feature remains its fast, simple, and transparent claims process, which minimizes customer stress.
What Steps Are Involved in Raising a Claim with Godigit Insurance?
- Initiate Claim Digitally: Log into the Godigit app or website, select the relevant policy, and upload clear images of the damage or documents.
- Self Inspection: For motor insurance, follow mobile video self inspection guides for real-time assessment.
- Submit Documentation: For health insurance, upload doctor reports, hospital bills, and related files within the app.
- Track in Real Time: Use the dashboard to monitor status and get instant updates.
- Claim Settlement: If approved, the claim amount is credited directly to your account, sometimes within hours for minor cases.
For major repairs or hospitalisation, Godigit’s partner network enables cashless settlements, avoiding the need for out-of-pocket payments.
How Quick Is the Average Claim Settlement?
On average, Godigit processes motor insurance claims within twenty four hours and health insurance claims within seventy two hours, provided all documents are valid and uploaded correctly. This speed is among the fastest in India for 2025.
Expert insight: Always review your policy’s inclusions and exclusions to avoid missing any required documents or facing claim denial.
People Also Ask
How do I contact Godigit customer care for claim support?
You can reach Godigit customer service easily using their 24 by 7 helpline, WhatsApp chat, or via the mobile app for quick assistance.
Is Godigit Insurance Safe and Regulated in India?
Yes, Godigit Insurance is fully licensed and regulated by the Insurance Regulatory and Development Authority of India (IRDAI), ensuring its policies and claim processes comply with all legal norms in 2025.
What Extra Measures Does Godigit Take for Data Security?
Godigit uses industry standard data encryption, multi-factor authentication, and secure payment gateways to protect your policy information. Regular audits and cyber security updates keep sensitive data well guarded.
Does Godigit share my personal data with third parties?
Godigit only shares data with approved partners as per IRDAI rules and does not sell data for advertisements, maintaining privacy for all customers.
Did you know? Godigit’s cybersecurity team conducts monthly audits by independent experts to ensure best practices in data protection.
Who Should Choose Godigit Insurance in 2025?
Godigit is best suited for digitally confident individuals, families, and small businesses looking for fast, transparent, and affordable general insurance. Whether you live in a large city, Tier-2 town, or travel frequently, Godigit offers excellent coverage for personal assets, health, and journeys.
However, those who prefer visiting branches, are uncomfortable online, or need specialised cover for unique items may wish to consider traditional providers.
Key Scenarios Where Godigit Insurance Excels
- Motor vehicle owners wanting fast, cashless repairs and transparent premiums
- Young couples and families seeking broad health cover at reasonable prices
- Frequent travellers needing instant policy and claims support from abroad
- Shop owners and small businesses with limited time for paperwork
- Those wanting to avoid the fine print and hidden clauses in traditional policies
People Also Ask
Can NRIs buy Godigit insurance for their families in India?
Yes, Godigit allows NRIs to buy health and motor insurance plans for loved ones living in India through digital channels.
TLDR or Quick Recap: What Makes Godigit Insurance a Top Choice in 2025?
- Godigit is a 100 percent digital general insurance provider, offering motor, health, travel, and home insurance in India.
- Known for fast claim settlement, simple policy wording, and transparent, customer-friendly pricing.
- Best for tech savvy Indians who value time, want instant coverage, and easy digital access.
- Pros include high claim approval rates, competitive premiums, and no paperwork.
- Cons include limited offline support, rural reach challenges, and standard waiting periods for some pre-existing conditions.
- Compared to older insurers, Godigit scores highest on speed and digital convenience.
Additional People Also Ask (FAQs)
Is Godigit a government or private insurance company?
Godigit is a private insurance company, registered with IRDAI and compliant with all industry rules.
How do I renew my Godigit insurance policy in 2025?
Simply log into the Godigit website or app, enter your policy details, and pay online to renew instantly.
Which are the best Godigit health insurance plans in 2025?
The Health Plus Family Floater and the Comprehensive Health Plan have received high ratings for broad coverage and value.
Are pre-existing diseases covered by Godigit health insurance?
Yes, but standard waiting periods apply before pre-existing conditions become eligible for claims.
How do I download my Godigit policy document?
After buying or renewing, your policy document is emailed or WhatsApped instantly in PDF format. You can also download from your account dashboard anytime.
Can I port my health insurance to Godigit from another insurer?
Yes, you can port your existing health insurance to Godigit as per IRDAI rules, with credit for previous policy’s waiting period.
What is the customer care number for Godigit Insurance?
The official customer care number is available on the Godigit website or your policy documentation for 24 by 7 support.
Sources
IRDAI Official Website
GoDigit Insurance Official Website
[Economic Times Insurance Survey 2025]
