AppBreakup
Submit an app

Digit Insurance alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll insurance apps

Top picks

  • ACKO logo

    Best overall

    ACKO

    Starting price: ₹45 per travel day (travel insurance)

  • Na

    Best free option

    Navi

    Free

Common reasons people leave Digit Insurance: covers India only, and life insurance sits with a separate group company. We ranked 4 alternatives by how directly each one replaces Digit Insurance, then by reviews, real visits and how recently each app's facts were checked against its own website. ACKO currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1ACKO logoACKOPaid₹45 per travel day (travel insurance)NoWeb, Android, iOS9 of 968.8
2NaNaviFree—NoAndroid, iOS5 of 550.3
3LIC logoLICPaid—NoiOS, Android, Web4 of 442.3
4Niva Bupa logoNiva BupaPaid—NoWeb, iOS, Android5 of 542.3
  1. ACKO logo

    1. ACKOTop pick

    Best for: People in India who want to buy and claim car, bike or health insurance entirely online

    PaidWeb, Android, iOS

    68.8

    score / 100

    Why switch from Digit Insurance

    Another digital-first Indian insurer for car, bike and health cover, often with lower online prices.

    Pros

    • Car, bike, health, life and travel cover in one app
    • Fast online quotes and claim tracking with no agent
    • Free vehicle tools such as challan checks and FASTag alerts

    Cons

    • No branch or agent network for in-person help
    • Only its own policies, so no side-by-side comparison with other insurers
    • Available in India only
    Visit ACKO Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is ACKO a good Digit Insurance alternative?

    Verified facts

    9 of 9 verified
    Founded
    2016
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Products
    Car, bike, health, life and travel insurance
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Cashless hospitals
    13,200
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Claims
    94.3% settled within a week
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Starting price
    ₹45 per travel day (travel insurance)
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Car insurance
    From ₹2,094
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Bike insurance
    From ₹457
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Health insurance
    From ₹657 a month
    Checked Nov 8, 2026acko.com(opens source in a new tab)
    Free-look period
    15 days (travel insurance)
    Checked Nov 8, 2026acko.com(opens source in a new tab)
  2. LIC logo

    3. LIC

    Best for: Indian policyholders who value a government-owned insurer and want to manage LIC policies online

    PaidiOS, Android, Web

    42.3

    score / 100

    Why switch from Digit Insurance

    State-owned life insurer with a wide range of plans and the MyLIC app for policy management.

    Pros

    • State-owned insurer with a record going back to 1956
    • MyLIC app shows policies, premium dues and alerts
    • Wide range of plans, including term, pension and ULIPs
    • Large agent and branch network for in-person help

    Cons

    • Traditional endowment plans often return less than term cover plus investing
    • Online term plans can cost more than private insurers'
    • Much servicing still goes through agents and branches
    Visit LIC Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is LIC a good Digit Insurance alternative?

    Verified facts

    4 of 4 verified
    Founded
    1 September 1956
    Checked Nov 8, 2026licindia.in(opens source in a new tab)
    Ownership
    Government of India
    Checked Nov 8, 2026licindia.in(opens source in a new tab)
    Customer app
    MyLIC (Android, iOS)
    Checked Nov 8, 2026licindia.in(opens source in a new tab)
    Buy online
    Yes, for selected plans
    Checked Nov 8, 2026licindia.in(opens source in a new tab)
  3. Niva Bupa logo

    4. Niva Bupa

    Best for: Indian families and individuals wanting standalone health cover with a large cashless hospital network

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Digit Insurance

    Health-only insurer with wider plan choice for families and senior citizens.

    Pros

    • Large cashless network of 19,000+ hospitals across India
    • App handles claims, hospital search and teleconsultations
    • Wide range of plans, from senior citizen cover to travel insurance

    Cons

    • Only for people in India (and NRIs buying Indian cover)
    • Some reimbursement claims carry a 20% co-payment
    • Waiting periods and exclusions differ by plan and take care to compare
    Visit Niva Bupa Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Niva Bupa a good Digit Insurance alternative?

    Verified facts

    5 of 5 verified
    Network hospitals
    19,000+
    Checked Nov 8, 2026nivabupa.com(opens source in a new tab)
    Claim settlement ratio
    95.6% (FY25-26)
    Checked Nov 8, 2026nivabupa.com(opens source in a new tab)
    Promoter
    Bupa Singapore Holdings
    Checked Nov 8, 2026nivabupa.com(opens source in a new tab)
    Cashless claim processing
    Under 30 minutes
    Checked Nov 8, 2026nivabupa.com(opens source in a new tab)
    IRDAI registration
    No. 145
    Checked Nov 8, 2026nivabupa.com(opens source in a new tab)

The best Digit Insurance alternative for…

The highest-ranked app in this list for each need.

ACKO logo

Best Digit Insurance alternative for most people

ACKO

Another digital-first Indian insurer for car, bike and health cover, often with lower online prices.

Na

Best Digit Insurance alternative for a free option

Navi

Sells health insurance inside a finance app, if health cover is all you need.

LIC logo

Best Digit Insurance alternative for iPhone and Android

LIC

State-owned life insurer with a wide range of plans and the MyLIC app for policy management.

Niva Bupa logo

Best Digit Insurance alternative for working in the browser

Niva Bupa

Health-only insurer with wider plan choice for families and senior citizens.

Digit Insurance alternatives: common questions

What is the best alternative to Digit Insurance?

ACKO ranks first right now. Another digital-first Indian insurer for car, bike and health cover, often with lower online prices. Navi and LIC follow it in our ranking.

Digit Insurance vs ACKO: what's the difference?

Both Digit Insurance and ACKO are paid products. Both run on Web, Android and iOS.

Is Digit Insurance free?

Digit Insurance is a paid product.

Is there a free alternative to Digit Insurance?

Yes. Navi (free) has a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Digit Insurance?

None of the 4 alternatives in this list is open source.

Why do people switch from Digit Insurance?

The complaints we hear most: covers India only; life insurance sits with a separate group company; premiums climb quickly once several add-ons are chosen.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Digit Insurance, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.