Super Top-up Health Insurance for Corporate Professionals
Secure yourself by topping up your health insurance above and beyond your corporate plan.
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Why should you get a Super Top-up Health Insurance when you’re already covered by your employer?

Corporate plans are limited

Corporate plans are limited

On an average, most corporate plans only cover you and your family to up to 3 lakhs or on the higher end, 5 lakhs. Given the inflation in healthcare expenses, this may not always be enough. Additionally, they usually cover for claims that require hospitalization and don’t often come with benefits like daycare procedures, no room rent cap, etc. In this case, your super top-up plan will come handy for claims that go above your corporate plan limit.

Save it for the rainy day!

Save it for the rainy day!

Jobs aren’t certain in today’s day and age and neither are healthcare expenses. Having a super top-up plan ensures you’re always covered for expenses that go above your pocket capacity, whether you have a job or not.

Your parents may need more coverage!

Your parents may need more coverage!

Whilst you may already have your parents covered in your corporate health insurance plan, it may not suffice. Healthcare needs and expenses rise with age and having a super top-up plan can be your safe haven when their expenses go above the limit provided in your corporate plan.

Additional Tax Savings

Additional Tax Savings

Just like a standard health insurance policy, a super top-up health insurance too comes with tax savings to up to Rs 25,000.

What’s great about topping-up your Health Insurance with Digit?

  • Covers Pandemics: We understand that the COVID-19 has brought in a lot of uncertainty into our lives. Apart from other illnesses, the COVID-19 is covered too, despite it being a pandemic.
  • Digit offers a super top-up plan:  A super-top up health insurance will cover for costs even when more than one claim during the year put together goes beyond the deductible, unlike a standard top-up plan that only covers for you when a single claim goes beyond the deductible.
  • Customize your super top-up policy as per healthcare needs:  You can choose from 1, 2, 3, and 5 lakhs deductibles and choose between Rs 10 lakhs and 20 lakhs as your Sum Insured.
  • No room rent restriction: Everyone has different preferences and we understand that. That’s why, we have no room rent restrictions!  Choose any hospital room you prefer. 
  • Get Treated at any hospital: Choose from 5900+ of our network hospitals in India for cashless claims or you may even opt for a reimbursement.
  • Easy online processes: From the process of buying a super top-up health insurance to making your claim is paperless, easy, quick and hassle-free! No hard copies, even for claims!

Understand Super Top-up with an example

Super Top-up Insurance (Digit Health Care Plus) Other Top-up plans
Deductible chosen 2 lakhs 2 lakhs
Sum Insured chosen 10 lakhs 10 lakhs
1st claim of the year 4 lakhs 4 lakhs
You pay 2 lakhs 2 lakhs
Your top-up insurer pays 2 lakhs 2 lakhs
2nd claim of the year 6 lakhs 6 lakhs
You pay Nothing! 😊 2 lakhs (deductible opted)
Your top-up insurer pays 6 lakhs 4 lakhs
3rd claim of the year 1 lakh 1 lakh
You pay Nothing! 😊 1 lakh
Your top-up insurer pays 1 lakh Nothing ☹️

What’s covered in Super Top-up Health Insurance?

Pay your deductible only once- Digit Special
4 years/2 years
No room rent capping - Digit Special
No Limit

What’s not covered?

You can’t make a claim until you’ve exhausted your deductible

You can only make a claim in your super top-up health insurance once you’ve already exhausted your existing health insurance policy claim amount or, have already spent up to the said deductible from your pocket. However, the bright side is that you only pay your deductible once.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

How to file a claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Frequently asked questions