Digit Super Top-up Health Insurance
A super top-up health insurance plan is like an extension of a health insurance you can use when you've already used the maximum claim amount (during the year) in your corporate insurance or, are largely okay to pay some amount from your pocket, but need a health insurer to cover for you when things get pricier.
Super Top-up Insurance Plans
Particulars | Super Top-up Insurance (Digit Health Care Plus) | Other Top-up plans |
Deductible chosen | 2 lakh | 2 lakh |
Sum Insured chosen | 10 lakh | 10 lakh |
First claim of the year | 4 lakh | 4 lakh |
You pay | 2 lakh | 2 lakh |
Your top-up insurer pays | 2 lakh | 2 lakh |
Second claim of the year | 6 lakh | 6 lakh |
You pay | NIL | 2 lakh (deductible opted) |
Your top-up insurer pays | 6 lakh | 4 lakh |
Third claim of the year | 1 lakh | 1 lakh |
You pay | NIL | 1 lakh |
Your top-up insurer pays | 1 lakh | NIL |
Benefits of a Super Top-up Health Insurance
- Covers Pandemics
- Pay your deductible only once
- Customize your super top-up policy as per healthcare needs
- No Room Rent Restriction
- Get Treated at any Hospital
- Easy Online Processes
Why You Need a Super Top-up Health Insurance?
- Increasing medical costs
- Higher Sum Insured
- Greater coverage for seniors & parents
- Additional Tax Saving
Coverage of Super Top-up Health Insurance
Benefits | Limits |
Super Top-up | Pay your deductible only once- Digit Special |
All Hospitalization | Yes |
Day Care Procedures | Yes |
Pre-Existing/Specific Illness Waiting Period | 4 years/2 years |
Room Rent Capping | No room rent capping - Digit Special |
ICU Room Rent | No Limit |
Road Ambulance Charges | Yes |
Complimentary Annual Health Checkup | Yes |
Pre/Post Hospitalization | Yes |
Post Hospitalization Lumpsum - Digit Special | Yes |
Psychiatric Illness Cover | Yes |
Bariatric Surgery | Yes |
What is not Covered ?
- You cannot register a claim until you exhaust the deductible
- Pre-existing diseases
- Hospitalisation without a doctor's recommendation
- Pre-natal and post-natal expenses
FAQs on Digit Super Top-up Health Insurance
- How do I know if I am eligible to get a super top-up health insurance?
If you are between the age of 18 to 65 years, you are eligible to get a super top-up health insurance.
- How will a super top-up health insurance boost the sum that I have insured?
A super top-up health insurance assures you that once you have spent up to the deductible amount, you can use the super top-up plan for additional coverage.
- What factors affect the super top-up health insurance premium?
The factors which affect the super top-up health insurance premium are geographical location, your age, sum insured, and deductible.
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