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Last updated on: May 20, 2025
Edelweiss General Health Insurance and Go Digit Health Insurance are both popular providers in India, offering a range of health insurance plans with cashless hospital networks and comprehensive coverage. Edelweiss stands out for its flexible sum insured options, multi-year policy discounts, and wide array of add-on covers catering to both individuals and families. Go Digit is recognized for its fast claim process, simple digital onboarding, and no-room rent capping across most plans, providing a hassle-free experience. While Edelweiss may appeal to those seeking customizable features and extensive add-ons, Go Digit suits customers who value transparency, ease of purchase, and efficient claims. Choosing between them depends on individual priorities regarding flexibility, digital experience, and specific health coverage needs.
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Read BioThe choice of a suitable health insurance plan has never been as urgent in 2025 because of the rising healthcare expenses and the need to have reliable medical coverage. Two insurance companies that are regularly seen in professional reviews and customer feedback are Edelweiss General Health Insurance and Go Digit Health Insurance. Having a thorough knowledge of their plans, characteristics and worth of money will help you make an informed choice about your health and financial stability.
This article provides an in-depth comparison of Edelweiss General Health Insurance and Go Digit Health Insurance considering product features, claim settlement performance, customer service, unique add-ons, and feedback, to help you confidently choose a plan that fits your personal or family needs.
Edelweiss General Insurance is an established stakeholder in the Indian insurance industry that provides a variety of health insurance options with a particular focus on providing comprehensive coverage, flexible plans, and a broad network of partner hospitals.
Go Digit Health Insurance, a branch of Go Digit General Insurance, is famous with its technology-oriented attitude, simplified operations, and low-cost health plans that suit different budgets and needs. Go Digit has become popular due to its simple digital claim procedure and low amount of paperwork.
The two companies share retail and corporate clients, cashless hospitalisation, special top-up covers, and the ability of the users to compare products between different insurers on reputable online marketplaces.
| Feature | Details |
|---|---|
| Sum Insured | 3 lakh to 1 crore |
| Cashless Hospitals | 10 000+ |
| Entry Age | 3 months to 65 years |
| Daycare Treatments | Every procedure covered is listed |
| Restore Benefit | Yes |
| Pre-existing Waiting Period | 3 yrs |
| Maternity Cover | Available as an add-on |
| Health Check-up | Free check-ups annually |
| Feature | Details |
|---|---|
| Sum Insured | 2 lakh to 1 crore |
| Cashless Hospitals | 9 500+ |
| Entry Age | 1 year to 65 years |
| Daycare Treatments | 650 or more procedures |
| Restore Benefit | Yes |
| Pre-existing Waiting Period | 3–4 yrs |
| OPD Cover | Available as add-on |
| Claim Settlement Time | <2 hours (app-based claims) |
Expert Insight: In 2024, over 70 percent of Go Digit policyholders chose digital claim settlement, highlighting a move to app-first insurance experiences in India.
Health insurance needs of families and individuals are usually different. The comparison below shows the performance of the two companies to the 2025 health insurance buyers.
Edelweiss allows family floaters that include the policyholder, spouse, dependent children, parents, and parents in law on the same plan. Several sum-insured options and no co-pay under the age of 60 make it appealing to young and mid-aged families.
Go Digit also provides flexible floater and individual policies with digital enrolment, allowing family members to be added quickly or coverage amounts to be changed through its mobile platform.
| Parameter | Edelweiss General | Go Digit Health |
|---|---|---|
| Sum Insured Range | 3 lakh - 1 crore | 2 lakh - 1 crore |
| Family Coverage | Up to 6 members | Up to 7 members |
| Maternity Add-ons | Yes, with waiting | Yes, with waiting |
| Parental Cover | Yes; no co-pay under 60 | Yes, co-pay on seniors |
| Claim Intimation | Call, mail, app | App, call, WhatsApp |
| NCB benefits | Up to 50% | Up to 100% |
Case Study: Mrs. Radhika, a resident of Bengaluru, likened both of her providers to her parents and two children. She chose Edelweiss because her 59-year-old parents would not have to pay a co-payment, but Go Digit has a higher NCB, which she would want to use herself and her husband because they have fewer pre-existing conditions.
Waiting time is a very important aspect to chronic patients. The pre-existing diseases in 2025 will be handled as follows:
People also ask:
What is pre-existing disease in health insurance?
A pre-existing disease is any health condition, illness, or injury that was diagnosed before the purchase of the health policy.
Medical emergencies can be mitigated by timely claims and access to cashless treatment.
More policyholders in 2025 would like insurers that are digital-first and offer app-enabled claims to expedite and hassle-free approvals.
| Provider | Annual Premium (Rs) |
|---|---|
| Edelweiss General | 13,800 – 15,400 |
| Go Digit Health | 14,200 – 16,000 |
These are rough numbers that are found on major product comparison sites in 2025. The final premium will be different based on age, add-ons, medical history, and sum insured. Both insurers offer online calculators to give customized quotes.
By 2024, industry data show that 60 percent of Indian buyers compare premiums and features in digital marketplaces prior to buying any health insurance plan.
Both Edelweiss and Go Digit have developed their plan options to attract tech-savvy consumers, nuclear families, and wellness-oriented urban consumers in 2025.
Expert Insight: Wellness add-ons to preventive care, including telemedicine consultation and fitness rewards, are taken by many urban policyholders in 2025 to maximise long-term value instead of just hospitalisation cover.
There are standard exclusions in almost every health plan. Typical situations that are not addressed by both Edelweiss General and Go Digit Health policies in 2025 are:
Check product brochures or use the reputable comparison tools to view the list of exclusions of each insurer.
Pros
Cons
Pros
Cons
Is it possible to port between Edelweiss and Go Digit health policies?
Yes; IRDAI guidelines permit policyholders to port between Edelweiss and Go Digit or the other way around at renewal, and the waiting periods credits are transferred.
The customer feedback shows the significance of after-sales service in 2025.
Edelweiss might be more fulfilling to those who like in-person service, but Go Digit is more convenient in terms of accessibility to policyholders who are digital natives.
Take into account the following real cases:
The personal selection of your choice should be based on location, coverage requirements, digital comfort, and health condition.
Read the fine print of policies, evaluate family requirements, and use online insurance comparison marketplaces to research product features, prices and hospital networks of both and other leading companies.
What is the higher claim settlement ratio between Edelweiss and Go Digit?
Both hold a claim settlement ratio of over 95 percent in health insurance in 2025, based on recent filings with the IRDAI. Go Digit is regarded as slightly quicker on digital/claims.
Do waiting periods always cover pre-existing conditions?
Yes; pre-existing diseases are accepted after the usual 3–4 years of waiting, but may be shortened when you buy a buy-back rider.
Is it possible to receive health insurance to parents over 60 years?
Both organizations have health plans to seniors over 60 years; Edelweiss can offer a better offer with its no co-pay under 60 and expanded parental cover.
What is the comparison between Edelweiss and Go Digit plans?
Search and compare live quotes, policy features, claim reviews and hospital lists in a single location before making a decision using trusted online insurance marketplaces.
Does Go Digit actually pay claims within 2 hours?
Numerous digital, straightforward claims (OPD and planned care) can be handled in 2 h. Claims that are emergency and documentation intensive can be delayed.
Does maternity or newborn cover have any waiting periods?
Both companies have maternity related covers as riders, which usually have a 2–4 year waiting period before benefits are paid.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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