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Go Digit Infinity Wallet + Key Add-ons

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ILM Ratings

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Customer Service:

Product Benefits:

Introduction to Go Digit Infinity Wallet + Key Add-ons

Go Digit Infinity Wallet is a robust health insurance plan designed to maximise coverage while offering flexibility and savings. It also offers an unlimited super bonus, so your sum insured can keep growing every year without any cap. The plan covers a wide range of benefits — from mental illness (psychiatric disorders) and bariatric surgery to consumables. You also get inbuilt personal accident cover and multiple discount options, making it a strong yet flexible choice for long-term health protection. Please note that sub-limits apply to certain modern treatments, which may result in some out-of-pocket expenses.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Option to get unlimited super bonus
• Non-medical costs covered - gloves, oxygen masks, etc.
• Mental illness treatment expenses covered
• Bariatric surgery for weight loss covered
• Inbuilt Personal Accident (PA) coverage
• Multiple options to get premium discounts

What's Not Good?

• No monthly premium payment option
• Sub-limits on mandated modern treatments
• Only available for families, not individuals

Insurer Track Record

About Go Digit General Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Unique Benefits

Hidden Conditions

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Are consumables covered under Infinity Wallet?

Yes, but only if you’ve opted for the add-on and paid extra premium. Infinity Wallet covers listed consumables or non-medical items such as masks, syringes, etc. that are usually excluded, up to the sum insured. The cover applies only when these items are part of an approved hospitalisation claim under the base policy.

Are alternative treatments like Ayurveda, Homeopathy covered under Infinity Wallet?

Does Infinity Wallet offer annual health check-ups?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Go Digit Infinity Wallet is a health insurance policy offered by Go Digit General Insurance Company Limited.

Go Digit Infinity Wallet Plan is an affordable option with a range of unique features. It offers built-in personal accident coverage, hospitalisation expenses, non-medical expenses, bariatric surgery costs, and more. However, it's important to note that this plan is only available as a floater and not on an individual basis. So, if you're looking to provide coverage for multiple individuals, this could be the perfect choice for you. Moreover, with this plan, you have the flexibility to choose from multiple options that enable you to avail yourself of discounts on your premium.

However, it is important to note that the plan does not offer a monthly premium payment option. Rest assured, your experience with the insurer is likely to be delightful. They have received minimal complaints related to claim settlements and policy purchases.

What are the benefits offered by the Go Digit - Infinity Wallet Plan?

• Inpatient hospitalisation coverage: When you opt for the Go Digit - Infinity Wallet Plan, rest assured that it offers extensive coverage for your inpatient hospitalisation expenses. In other words, it takes care of all the costs that arise when you are admitted to a hospital for more than 24 hours. From your hospital room and nursing care to consultations, prescription medications, ICU charges, and any other associated expenses - this plan has you covered.
• Pre-hospitalisation coverage: Before you get admitted to the hospital, there may be certain medical expenses that you'll need to take care of. These expenses, referred to as pre-hospitalisation charges, encompass things such as consultations, lab tests, checkups, medical reports, etc. It's crucial to bear in mind that your insurer will only cover these expenses if they are directly related to the medical condition that leads to hospitalisation, and your claim is approved as part of your inpatient hospitalisation expenses. With the Go Digit - Infinity Wallet Plan, you can have peace of mind knowing that the plan will cover all your pre-hospitalisation expenses for a period of 60 days before your hospitalisation, up to the sum insured.
• Post-hospitalisation coverage: Once you are discharged from the hospital, you may encounter a range of medical expenses referred to as post-hospitalisation expenses. These expenses include consultation fees, check-up costs, medical test charges, and more. To ensure coverage for these expenses, they must be directly related to your hospital stay and approved as part of your inpatient hospitalisation coverage. With the Go Digit - Infinity Wallet Plan, you can enjoy comprehensive coverage for post-hospitalisation expenses for  180 days after your hospitalisation up to the sum insured.
• Daycare treatment coverage: Thanks to remarkable advancements in medical technology, medical procedures or surgeries that previously required a prolonged hospital stay can now be completed within 24 hours. These are called daycare treatments. With the Go Digit - Infinity Wallet Plan, you can enjoy extensive coverage for all daycare treatments, without any limit, up to the sum insured.
• Domiciliary treatment coverage: This covers medical treatments for illnesses or injuries that require immediate attention in a hospital but can be safely administered at home due to the patient's severe condition or the unavailability of nearby hospital beds. With Go Digit - Infinity Wallet Plan, you can be assured that all costs related to domiciliary treatments(except for 15 illnesses) are covered up to the sum insured.
• Organ donor coverage: The Go Digit - Infinity Wallet Plan has your back when it comes to covering organ donor expenses. Should you ever need an organ transplant, this plan will ensure that all costs associated with harvesting the organ from the donor are taken care of, up to the sum insured. Please note that the donor's pre- and post-hospitalisation expenses for organ harvesting are covered up to 5% of the approved claim amount.
• Modern treatment coverage: With the continuous advancement of medical technology, you now have a remarkable chance to reap the benefits of revolutionary treatments that were once beyond your imagination. Treatments like stem cell therapy, radiosurgery, etc., are readily accessible to tackle medical conditions that were once deemed untreatable. The Go Digit - Infinity Wallet Plan is tailored to keep up with the latest advancements in medical treatments, guaranteeing comprehensive coverage for all such modern treatments up to 50% of the sum insured.
• Non-medical expenses coverage: With Go Digit - Infinity Wallet Plan, you can enjoy comprehensive coverage for non-medical expenses. It covers the cost of consumables such as gloves, nebulization kits, oxygen masks, and other essential items needed for your treatment. Please note this benefit is available as an add-on.
• No Claim Bonus: If you refrain from making any claims throughout the policy year, you will be rewarded with a No-Claim Bonus. By opting for the Go Digit - Infinity Wallet Plan you have the opportunity to receive a No Claim Bonus equivalent to 50% of your sum insured, with a maximum limit of 100% of the sum insured. However, if you happen to make a claim during the policy period, your accumulated bonus will be reduced at the same rate it was earned.
• Super No-Claim Bonus: The Super No Claim Bonus is a turbocharged version of the No Claim Bonus, and operates in a similar fashion. Unfortunately, the Go Digit Infinity Wallet Plan does not include this feature.
• Restoration benefit: The restoration benefit is a unique feature that restores your sum insured after it has been exhausted within a policy year. By opting for the Go Digit Infinity Wallet Plan, you have the opportunity to make use of this benefit for unrelated illnesses and related illnesses(after 45 days). This beneficial feature comes into play once both your sum insured and no claim bonus have been partially exhausted. You can take advantage of this benefit an unlimited number of times throughout the policy year for subsequent claims. For related illnesses, the restored sum insured can be used 45 days after the discharge of your previous claim.

Please remember that the limitations and conditions mentioned in the benefits above apply to a sum insured of Rs. 10 lakhs.

Financial Limits under the Go Digit - Infinity Wallet Plan

• Room rent limit: The highest amount your insurance provider will cover for the hospital room you stay in is known as the room rent limit. By choosing a room within this limit, you can avoid any additional charges. But if you decide to go for a more expensive room than what you are eligible for, you will be responsible for a proportionate share of the total hospital bill rather than just the difference in room rent. With the Go Digit - Infinity Wallet Plan, you enjoy the flexibility to choose any room without any limitations.
• ICU rent limit: With the Go Digit Infinity Wallet Plan, you can rest assured that the expenses related to your stay in the intensive care unit will be covered up to the sum insured.
• Co-payment: A co-payment is a specific percentage of the approved claim amount you have to pay from your end. Once you've made your payment, the insurer takes care of the remaining expenses. In the Go Digit Infinity Wallet Plan, there is no co-payment.
• Deductible: A deductible limit requires you to pay a certain amount before your coverage kicks in. However, this plan takes care of your costs without any deductibles. With the Go Digit - Infinity Wallet Plan, you can wave goodbye to deductibles.
• Limits on surgeries/treatments: When considering your health insurance policy, it is vital to comprehend the restrictions on surgeries and treatments. These limitations indicate the maximum coverage amount that your policy will provide for specific medical procedures or treatments. Certain plans have pre-established limits on the coverage amount for certain procedures, while others do not. In the Go Digit - Infinity Wallet Plan, cataract treatment and joint replacement surgeries are fully covered up to the sum insured.

Please note that the above financial limits are taken for a 30-year-old individual opting for a sum insured of Rs. 10 Lakhs.

Waiting Periods & Exclusions under the Go Digit Infinity Wallet Plan

👉Waiting period

The waiting period is a designated period of time during which certain illnesses and medical conditions are not immediately covered after buying a health insurance policy. It's worth noting that you can claim for these conditions once the waiting period has elapsed. Here are some of the types of waiting periods -

• Initial waiting period: There is an initial waiting period of 30 days for all medical conditions, except accidents. Please note that during this period, you will not be able to claim hospitalisation unless it is due to an accident.
• Waiting period for pre-existing conditions: A pre-existing condition refers to any medical condition or illness that you have experienced within the 36 months prior to purchasing your health insurance policy. In the Go Digit Infinity Wallet Plan, there is a waiting period of 36 months. During this period, you will not be eligible to claim for expenses related to your pre-existing disease.
• Waiting period for specific diseases: In addition to any pre-existing conditions, insurers also maintain a list of particular medical conditions or illnesses that necessitate waiting periods. These waiting periods are applicable regardless of whether you have previously experienced those diseases or not. It is crucial to understand that the waiting period is determined by the insurer and is not dependent on your current health status. Under the Go Digit - Infinity Wallet Plan, there is a waiting period of 24 months for specified diseases.

👉Exclusions

Certain medical conditions or situations may not be covered by your health insurance policy. These are commonly referred to as exclusions. Let's take a closer look at some of these exclusions -

• Standard Permanent Exclusions: All insurance providers are required to adhere to the ‘standard permanent exclusions’ established by IRDAI. These include -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment.
3. Obesity/weight control: Treatment or surgery related to weight control or obesity.
4. Changing the gender: Treatments aimed at altering the body’s characteristics to match the opposite sex.
5. Plastic/Cosmetic surgery: Treatment or surgery intended to modify body characteristics or appearance.
6. Profession in hazardous or adventure sports: Treatment expenses resulting from participating in adventurous activities such as scuba diving, river rafting, etc., as a professional.
7. Breach of law: Expenses incurred in treating a person who has committed or attempted to commit a criminal act.
8. Excluded providers: Treatment received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treating addiction to substances such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Expenses incurred due to the treatment received in nursing homes, health spas, and similar establishments arranged entirely or partially for domestic reasons.
11. Dietary supplements, substances purchased without subscription: Vitamins, minerals, and other things that a medical practitioner does not prescribe.
12. Refractive error: Expenses associated with correcting refractive errors of up to 7.5 diopters to improve eyesight.
13. Unproven treatments: Medical procedures, or treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, and infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as ICSI, GIFT, IVF, ZIFT, gestational surrogacy, etc.
15. Maternity expenses: Pre/post-natal costs, childbirth-related hospitalisation expenses, etc.

• Additional permanent exclusions: Insurance providers can apply additional exclusions for particular medical conditions or circumstances besides the standard permanent exclusions. If you happen to have certain illnesses or severe medical conditions that insurers deem as high-risk, they might opt to exclude coverage for them from your policy permanently. The Insurance Regulatory and Development Authority of India (IRDAI) has defined a specific set of illnesses for which insurers can impose such exclusions. They are not allowed to enforce permanent exclusions for illnesses or diseases that are not included in this list.
• Non-standard exclusions (Specific exclusions): These are specific exclusions other than the standard permanent exclusions outlined by the IRDAI. They may differ across insurance companies and depend on the terms and conditions of the policy. Here are some specific exclusions under the  Go Digit - Infinity Wallet Plan -

1. Ventilator usage for patients in a vegetative state (brain dead) with no possibility of recovery.
2. Treatment for intentional self-inflicted injuries or attempted suicide by any means.
3. Circumcision, unless deemed necessary due to an accident or for treating a disease.
4. Expenses associated with hair loss treatments and products.
5. Aesthetic surgeries of any kind.
6. Expenses associated with screening, counselling, or treatment for external birth defects.
7. Injury or illness resulting from participation in naval, military, air force operations, etc.
8. Coverage for vaccinations, inoculations, and similar treatments, excluding post-animal bite treatment.
9. Provision or fitting of hearing aids, spectacles, contact lenses, and similar products.
10. Expenses related to elastic stockings, diabetic test strips, and other necessary medical supplies.
11. Injury or disease caused by war, invasion, acts of foreign enemies, terrorism, chemical contamination, etc.
12. Prosthetics and non-surgically implanted devices.
13. Dental treatment, unless required as a result of an accident.
14. Expenses related to non-allopathic or alternative treatments, except for Ayurveda, Unani, Siddha, and Homeopathy. .
15. Costs associated with weight loss surgery.
16. Legal liability due to omissions, errors or representations of any kind of action taken by hospital/ medical practitioner

What to expect in terms of claims experience if you buy from Go Digit General Insurance Company Limited?

• Speed of claims: Go Digit General Insurance Company Limited has settled  80.76% of its claims within 30 days.
• Claim-related complaints: According to our research, Go Digit General Insurance Company Limited has a lower complaint rate for claims than other insurance providers, accounting for 0.16%. This indicates that their claim settlement process is efficient.
• Claims incurred ratio: The claims incurred ratio is a measure of an insurer's financial performance. It is a ratio of the total claims paid out in relation to the premiums received in a specific fiscal year. Go Digit General Insurance Company Limited has a claims incurred ratio of 93.87%.
• Claim settlement ratio: Go Digit General Insurance Company Limited's claim settlement ratio stands at 90.69%. This figure reflects the proportion of total claims received to those successfully settled by the company in a specific fiscal year.
• Network hospitals: Go Digit General Insurance Company Limited provides access to an extensive network of 16,400+ hospitals. This broad network allows customers to receive cashless treatment at a diverse range of healthcare providers without any financial worry.

How is the customer service of Go Digit General Insurance Company Limited?

• Policy purchase-related complaints: Based on our research, Go Digit General Insurance Company Limited has received a lower number of complaints related to its after-sales service as compared to other insurers. accounting for 0.01%
• Response on Toll-Free: Our research suggests that Go Digit General Insurance Company Limited’s response time on their toll-free is average, as compared to other insurers.
• Response on Twitter: As per our research, Go Digit General Insurance Company Limited has a quick response time on Twitter.

About Go Digit General Insurance Company Limited

Go Digit General Insurance Company Limited is an insurance company that puts great emphasis on delivering smart and customer-oriented insurance solutions. They offer a comprehensive selection of insurance products, such as motor insurance, health insurance, international travel insurance, home insurance, and shop insurance. Their goal is to cater to the varied needs of their valued customers. Founded in 2016, the company is under the capable leadership of Jasleen Kohli, who holds the positions of CEO and MD. Go Digit General Insurance Company Limited is headquartered in Bengaluru, India.

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