Super Top-up Health Insurance for Corporate Professionals

Zero Paperwork. Quick Process.

Why should you get a Super Top-up Health Insurance when you’re already covered by your employer?

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 10500+ 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?

Benefits

Super Top-up

It pays claims for cumulative medical expenses within a policy year once it exceeds the deductible, vs. a regular top-up insurance that covers only a single claim above the threshold limit.

Pay your deductible only once- Digit Special

All Hospitalization

This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured, after your deductible limit has been crossed.

Day Care Procedures

Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.

Pre-Existing/Specific Illness Waiting Period

This is the amount of time you need to wait for, until you can make a claim for a pre-existing or specific illness.

4 years/2 years

Room Rent Capping

Different categories of rooms have different rents. Just like how hotel rooms have tariffs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.

No room rent capping - Digit Special

ICU Room Rent

ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured.

No Limit

Road Ambulance Charges

Ambulance services are one of the most essential medical services as they don't only help transport an ill person to the hospital but also, include basic facilities required in medical emergencies. The cost of the same is covered under this super top-up policy.

Complimentary Annual Health Checkup

Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice.

Pre/Post Hospitalization

This covers for all expenses before and after hospitalization such as for diagnosis, tests and recovery.

Post Hospitalization Lumpsum - Digit Special

This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post hospitalization benefit, through the process of reimbursement.

Psychiatric Illness Cover

If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.

Bariatric Surgery

This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.

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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

Do I need to have a corporate plan to be able to get a super top-up health insurance?

No, you can get a super top-up health insurance regardless of whether you have a corporate plan or not.

What are the benefits of a super top-up insurance?

One of the main benefits of a super top-up health insurance is that it’s relatively cheaper than a standard health insurance. Secondly, it comes with several other benefits such as high sum insured, tax savings, etc. 

Do employers provide super top-up health insurance plans?

No, employers don’t provide super top-up health insurance plans.Super Top-up health insurance plans can be bought by you for yourself and/or your family.

What are the limitations of a super top-up health insurance?

The only limitation of a super top-up health insurance is that, it only covers for you once your healthcare expenses have gone beyond the decided deductible.