Cumulative Bonus



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Port my existing Policy

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I agree to the  Terms & Conditions

I agree to the  Terms & Conditions

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I agree to the Terms & Conditions

You can select more than one member

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  • -{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids
    (You can add multiple)

All about Cumulative Bonus in Health Insurance

What’s the limit of cumulative bonus?

Unlike no-claim bonus in car insurance, there isn’t any year-wise fixed cumulative bonus and this differs from every insurer. Few insurers go as high as 50% too. 

With Digit, you can be rewarded with a 50% increase of Sum Insured for every claim free year, up to a maximum of 100%, i.e. when you don’t make a claim for two consecutive years.

Cumulative Bonus Table as per Digit’s Health Insurance Policies

Claim-free Years

Cumulative Bonus (Smart Option)

Cumulative Bonus (Comfort Option)

After 1 year

10%

50%

After 2 years

20%

100%

After 3 years

30%

N/A

After 4 years

40%

N/A

After 5 years

50%

N/A

Explain it like I'm five

We're making insurance so simple, now even 5-year-olds can understand it.

Maya loves eating chocolates every day. Her parents tell her that if she goes without eating chocolates for a week, she will get a truffle cake and also, her favourite choco-bar every Sunday. Her parents’ offer is just like the cumulative bonus in health insurance.

FAQs about Cumulative Bonus in Health Insurance