CJam, 2222 20 bytes
Saved 2 bytes thanks to Martin Ender
ri2,{(_(jAb:+\jAbjAb\jAb+:+++}j
Straightforward recursive algorithm, nothing fancy. 0-indexed.
Try it online!Try it online! or test for 0-50 (actually runs pretty fast).
Explanation
ri Read an integer from input
2, Push the array [0 1]
{ }j Recursive block, let's call it j(n), using the input as n and [0 1] as base cases
( Decrement (n-1)
_( Duplicate and decrement again (n-2)
jAb Get the list digits of j(n-2)
:+ Sum them
\ Swap the top two elements
jAb Get the list of digits of j(n-1)
:+ Sum them
Concatenate the lists of digits
:+ AddSum the two sumsdigits
CJam, 42 bytes
Solution using the repetition. Similar algorithm to Jonathan Allan's solution.
ri_2,1+"[2358DC7A89HHGFDA56B8A9AA]"S*~@*+=