Godigit

Godigits Faqs

‘Reward360’ has partnered with ‘Go Digit’ or ‘Digit’ to provide customers of HDFC Bank SmartBuy with Insurance Policy services for Flights – Cancellations, Amendments, Trip Delay & others.

HDFC Bank and HDFC Bank SmartBuy have no role in providing Insurance policy of ‘Go Digit’ or ‘Digit’ to customers making Flight bookings via Reward360 portal. ‘Reward360’ has partnered with ‘Go Digit’ to provide customers of HDFC Bank SmartBuy with Insurance Policy services for Flights – Cancellations, Amendments, Trip Delay & others. Under circumstances where customer has to claim the afore mentioned ‘Digit’ Insurance policy purchased by him/her, they have to contact Reward360 or Digit to track progress of claim amount.

How can I do full cancelation?

You have to first cancel your ticket at R360 Smartbuy portal from the Manage Order Section. R360 will trigger a claim for the same with Digit. Digit will acknowledge and process your claim.
You should cancel the policy at least 24 hours before travel date.

What are the steps for raising the claim for partial cancellation and amendment of flights?

You will have to contact the smartbuy concierge service for partial cancellation and ask them to cancel the ticket and raise a claim for you.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge only. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
You should cancel the policy at least 24 hours before travel date.
Please find the customer care details by clicking on this link.

What are the steps for raising the claim for domestic travel product?

Trip Delay, Missed Flights, Cancellation by operator, Flight Diversion, Baggage Delay, and Personal Accident is covered under this policy.
You can raise your claim post flight’s landing to the destination from the SmartBuy Manage Order section.
You have to click on the “Raise Claim” CTA located under the “TICKET” section on the right panel to get re-directed to the Go-Digit portal for initiating the claim raise process.
In case of Trip Delay, apply claim details gets auto-triggered via SMS when your flight gets delayed.
For Missed flight, Flight Diversion, Baggage damage: within 48 hours of the event occurrence.
There is no time limit for Cancellation by Operator, Baggage Delay and Personal Accident.

How long does it take to process the refund?

It takes 5-7 working days from the date of last received document.

If I have a connecting flight, will the product cover respective journeys?

Product will only cover 1st leg of the journey, i.e if your journey is Bangalore to Rajasthan via Delhi, you will be covered for Bangalore to Delhi.

A.Standalone Cancellation product for SmartBuy customers.

Is the Product applicable for One way and roundtrip?

Yes, product is applicable for both, One way and round trip.

If I have a connecting flight, will the product cover respective journeys?

Product will only cover 1st leg of the journey, i.e if your journey is Bangalore to Rajasthan via Delhi, you will be covered for Bangalore to Delhi.

Will the product cover Non-stop and with Stop flight journeys?

Yes. For with stop flights, only 1st leg of the journey will be covered.

Is the product applicable for International Flights?

No , product is not applicable for International flights.

Can this product be bought post booking the flight ticket?

No, product can’t be bought post booking the tickets.

Is the partial cancelation Possible in the product?

Yes, partial cancellation is possible, i.e if you have booked tickets and bought this product for 2 members and you want to cancel for one member , you can. Or if you have bought this product for round trip journey, and you cancel return ticket, this will be covered.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
Please find the customer care details by clicking on this link.

Can I add any member post buying the ticket and policy?

No, you can’t add any member post buying the tickets.

Will I get a full refund?

No, you will get the cancellation charges as mentioned in your policy, max upto INR 3600.

Whom should I reach to cancel the policy?

You have to reach out to Digit Insurance team for policy cancellation.
you can email at hello@godigit.com

How can I do full cancelation?

You have to first cancel your ticket at R360 Smartbuy portal from the Manage Order Section. R360 will trigger a claim for the same with Digit. Digit will acknowledge and process your claim.

How long does it take to process the refund?

It takes 5-7 working days from the date of last received document.

If I make partial cancellation of my air ticket, will I get refund automatically?

No, you wont get the refund automatically. You have to contact the concierge service and ask them to cancel the ticket and raise a claim for you.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
Please find the customer care details by clicking on this link.

Whom should I contact for Partial cancelation?

You have to contact concierge service (smartbuy customer care) for partial cancelation.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
You can contact R360 customer care @ 18604251188 / 9986896688 / 18604253322 Or support@smartbuyoffers.co

What documents do I need to share for partial cancellation?

You have to contact Smartbuy customer support and raise a claim, you will have to provide any details they need for the same.
Email/Document proof of the flight cancellation will be required to process the claim. The proof must essentially have the details like date of flight cancellation, name of the passenger for whom the flight was cancelled, Booking ID and PNR.

What documents are required for full cancelation?

You don’t need to submit any documents for full cancellation.

What is the lead period in which I can book the ticket with Digit product?

In a lead period of 90 days, you can book a ticket with Digit Standalone Cancellation Cover.

If I cancel my ticket, will my insurance be also cancelled?

No, claim for cancellation will be triggered automatically and you will receive the refund amount within 5-7 days.

If I want to opt out of the product post buying tickets, will I get my insurance premium back?

No refund will be provided in case of cancellation by insured, cancellation by insurer. Full refund in case of cancellation due to wrong entry in policy.

How much time before Travel date I need to cancel the policy to get the refund?

You should cancel the policy at least 24 hours before travel date.

What is the maximum amount paid for cancellation per passenger?

Max amount paid for cancellation is INR 3600 per passenger.

If I have made the payment through reward points, will I get cashback on cancellation?

You will get Reward points and cash as you used during payment . i.e if you have used 200 reward point along with some cash, you will get the same on cancellation.

What airlines are covered under the product?

Akasa, Spicejet, Air India Express (I5 Flights) /Air Asia, Vistara, Indigo, Air India are covered.

What is the Minimum and Maximum Age to get enrolled under this product?

You can enroll anyone between 2- 90 Yrs of age.

How many claims I can report under this product?

You can claim only once per unit of product purchased.

Is the premium the same for single trip and round trip?

No, Premium will be double for round trip and you will be covered for two journeys.

Will the product cover cancelation charges?

No, cancellation charges will not be covered under this product.

If I cancel the ticket directly with Airline or the OTA partner (GoIbibo, MMT, Yatra, Ease My Trip), will I get the refund?

Only cancellation made on the R360 platform or via the R360 customer support will be eligible for the insurance claim.

Is it necessary to cancel the ticket from Smartbuy platform to get the refund?

Yes, its necessary to cancel the tickets from smartbuy platform, for partial you need to contact the concierge service.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge only. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
You should cancel the policy at least 24 hours before travel date.
Please find the customer care details by clicking on this link.

Will the product cover All classes (Economy / Business / First)?

No, its for Economy class only.

How to track my claim, will I get any reference number?

You will get updates via mail on your claim. You will receive a claim (reference) number over mail.

What is the unique identifier with which I can reach out to Smartbuy Customer Support and Digit for any query?

A unique identifier will be your Booking ID and policy number.

What are the contact details of R360 and Digit?

Digit: 1800-258-5956,hello@godigit.com ; R360: 18604251188 / 9986896688 / 18604253322,support@smartbuyoffers.co

What all is covered under this product?

This product covers cancellation by passenger for any reason.

How will I receive my policy details?

You will receive your policy details via Email.

B. FAQs for Cancelation and Amendment

In addition to FAQ’s mentioned above.

Is partial amendment allowed under this product?

Yes, partial cancellation is allowed under this product.

Whom should I contact for Amendment?

You have to contact the Smartbuy customer support (Concierge service) for Amendment.

Whom should I reach out to in R360 and Digit for any query resolution?

R360: 18604251188 / 9986896688 / 18604253322, support@smartbuyoffers.co, Digit: you can use hello@godigit.com

What is the booking lead time for Postponement and advancement of the flight.

The booking can be postponed up to 90 Days or can be advanced ahead till the current timestamp.

Can I change my carrier/Airline while raising the amendment claim request?

No, you can’t change the carrier/Airline while raising the amendment claim.

What documents do I need to share to get the amendment refund?

You have to contact Smartbuy Customer Support for amendment. You will have to provide Flight amendment proof received from the airline or the OTA partner to process the amendment.

Maximum Number of amendments allowed in this product?

Maximum of 1 amendment is allowed per person per policy generated.

What is covered under the Amendment, will I get the full cashback?

You will get the amendment charges, cancellation charges and original booking cost upto mentioned limit.(cancellation : max upto INR 3600)

How long I will be eligible to claim under this product from the date of original travel?

Only claims made until 24 hrs before the original departure time will be eligible.

Is the Amendment refund applicable for multicity and stop-over flights?

No. Amendment refund is not applicable for multi city trips or stopover flights.

Is the Amendment applicable for international flights?

No, Amendment is not applicable for international flight.

Is it necessary to do the Amendment on Smartbuy to avail the benefit of Digit Product?

Yes, Its necessary to do the Amendment on Smartbuy to avail the benefit of Digit Product.
To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (GoIbibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
Please find the customer care details by clicking on this link.

Can I change the Passenger name while applying for Amendment request with Digit?

Only spelling correction is allowed while applying for Amendment request.

Can I change the Departure and Arrival city while raising Amendment refund request?

No, you cant change the Departure and Arrival city while raising Amendment refund request.

No, you cant change the Departure and Arrival city while raising Amendment refund request

Refund per passenger per flight will be upto limits mentioned in your policy.

Can Amendment be done for both the flights of round trip?

Yes, Amendment can be done for both the flights of round trip.

How many Amendments claim are allowed in the policy?

Maximum of 1 amendment or cancellation is allowed per unit of policy purchased. In case of roundtrips, units of product purchased (per kind) would be 2.

In case of round trip , if partial amendment is done for one of the passenger in onward flight in one claim , is it allowed to have another claim for the same passenger for the return Flight ?

Yes, Its allowed.

What airlines are covered under Amendment policy?

Akasa, Spicejet, Air Asia, Vistara, Indigo, Air India are covered under this policy.

Will the Amendment product cover All classes (Economy / Business / First)?

The Amendment product is for Economy class only.

What all is covered under this product?

This covers cancellation and amendment (full and partial)

What is the Age criteria to opt for this product?

Anyone between age 2 to 90 years can opt for this product.

How will I receive my policy details?

You will receive your policy details via Email.

C. FAQs for Domestic Travel Product.

What is covered under the Policy?

Trip Delay, Missed Flights, Cancellation by operator, Flight Diversion, Baggage Delay, and Personal Accident is covered under this policy.

How many claims are allowed under this policy?

One claim per coverage is allowed under this policy.

What is Trip Delay, when I can apply claim under trip delay?

Trip Delay is a Benefit based product to offer lumpsum amount for more than 150 mins delay (barring exclusions).

How much will be paid under trip delay?

INR 400 to INR 1500 will be paid under trip delay.

how, can I apply for the claim?

It gets Auto-triggered via SMS when your flight gets delayed. You must upload the required documents to the link to initiate the claim process.

How to connect with R360 and Digit Insurance in case of any query?

Digit: 1800-258-5956,hello@godigit.com,R360: 18604251188 / 9986896688 / 18604253322, support@smartbuyoffers.co

What documents are required to intimate the claim?

List attached

What if the flight is missed, will I get the refund?

Yes, you will get the refund under missed flight cover.

What is covered under Missed Flight?

You will be covered if you miss your flight for the benefit amount mentioned in your policy.

What is cancellation by Operator, what benefit I will get in case of such event?

When airline cancels the flight , it’s called cancellation by operator. You will get the benefit amount upto mentioned limit. i.e you reach airport and find that your flight was cancelled due to some reason. You are covered for such situation under this product.

What is Flight Diversion, what benefit I will get in case such event?

When a flight is diverted from the original destination due to any reason, its called flight diversion. Lumpsum benefit to be provided based on the limits provided. i.e your flight was to Mumbai, but due to bad weather, it gets diverted, and you land in Bangalore . you will the get the benefit amount as per your policy.

Is this product applicable to all the individuals in air ticket/Booking ID respectively?

Yes its applicable for all the individuals in air ticket/booking ID respectively.

Yes its applicable for all the individuals in air ticket/booking ID respectively.

One claim per cover can be made.

In case of Trip Delay, if four passengers are in booking ID/air ticket, how much amount will be paid?

Amount will be paid for every individual who are covered for the plan. (If the booking is made for 4 passengers, amount to be paid will be price per unit product x 4)

In case of Baggage Damage, if 3 Passengers are travelling carrying 4 bags and One bag get damaged then how much will be paid in such event?

The claim will be paid only for the damaged part.

What is Baggage delay, what benefit I will get in case of such event?

Delay in receiving your baggage at destination airport is called baggage delay. If its delayed for more than 6 hours, you can claim. Benefit amount will be paid.

What is Baggage damage cover, how many bags can be covered per passenger?

Damage to your baggage during flight is covered under Baggage damage cover. There is no limit on bags per passenger.

Is the handbag covered or only the Check in Bag?

Only checked in bags are covered.

What is Personal accident and what does it cover?

In case you meet with an accident in flight, this will cover for such situation.

What is Personal accident and what does it cover?

In case you meet with an accident in flight, this will cover for such situation.

Within how many days I have to intimate the claim in case of any event (Trip Delay, Missed Flight, Cancellation by Operator, Flight Diversion, Baggage Delay, Baggage Damage, Personal Accident)?

For Missed flight, Flight Diversion, Baggage damage: within 48 hours of the event occurrence.
There is no time limit for Cancellation by Operator, Baggage Delay and Personal Accident.

From where I can get my Policy Copy?

Policy copy will be sent on email, alternatively you can download the same from the Manage Order Section of your Smartbuy Account.

Can I buy this product after purchasing the air ticket?

No, you can’t buy this product after purchasing the air ticket.

D.FAQs for Standalone cancellation and Domestic Travel Product. (In addition to standalone cancellation and domestic travel section)

If I have bought cancellation and domestic travel insurance and due to some reasons I cancel my ticket, will I get refund of premium for domestic travel insurance?

No, you will not get any refund of premium for domestic travel insurance.

How do I claim for both these products?

You will have to claim for standalone cancellation (partial) and domestic travel separately.

E.FAQs for Amendment & cancellation and Domestic Travel Product. (In addition to Amendment & cancellation and domestic travel section

If I have bought amendment & cancellation and domestic travel insurance and due to some reasons I cancel or amend my ticket, will I get refund of premium for domestic travel insurance?

No, you will not get any refund of premium for domestic travel insurance.

How do I claim for both these products?

You will have to claim for Amendment & cancellation (partial) and domestic travel separately.

FAQs for Amendment & cancellation and Flight delay cover. (In addition to Amendment & cancellation)

If I have bought amendment & cancellation and Flight delay insurance and due to some reasons I cancel or amend my ticket, will I get refund of premium for Flight delay insurance?

No, you will not get any refund of premium for Flight delay insurance.

How much will be paid under flight delay?

INR 750 will be paid under flight delay.

how, can I apply for the claim for flight delay?

You can initiate the claim on the link which gets auto-triggered via SMS when your flight gets delayed.