Super Top-up Health Insurance for Professionals Retiring Soon
Secure yourself with a top-up plan now and upgrade to a full-fledged health insurance plan post-retirement!
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Introduction to Super Top-up Health Insurance for those Retiring soon!

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 great about Super Top-up Health Insurance?

  • Digit offers a Super Top-up plan:  A super top-up insurance covers claims when cumulative medical expenses go above the deductible during one policy year, unlike a regular top-up plan that only covers a single claim above the deductible.
  • 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.
  • Pay your deductible only once: With a super top-up insurance, you need to pay your deducible amount only once and can then claim multiple times in a year. A true Digit special! 
  • 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!

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 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.

Why do to-be retirees need a Super Top-up Health Insurance?

Corporate Mediclaim policies aren’t enough

Corporate Mediclaim policies aren’t enough

While some of our companies do cover us under their Group Mediclaim policies, usually those covers don’t have an adequate sum insured to cover the rising medical costs. Also, once you retire, you can’t use your companies Group Mediclaim Insurance.

Affordable health insurance premium

Affordable health insurance premium

Compared to standard health insurance plans, super top-up health insurance plans are a lot more reasonable and easy on the pocket!

Overcome waiting periods earlier

Overcome waiting periods earlier

With the advantage of an extra coverage a super top-up offers, it will work perfectly post-retirement cause you’ll be through all waiting periods by then!

Option to upgrade to Digit Health Plus

Option to upgrade to Digit Health Plus

A special benefit for to-be retirees. You can buy Digit’s super top-up health insurance right now and upgrade to a complete, comprehensive health insurance plan post-retirement.

Backup is always great!

Backup is always great!

Whether you think you need it or not, life is full of uncertainties and a super top-up health insurance helps cover for them. For example: Corporate plans are usually limited to a coverage of up to 2-3 lakhs. In case you need coverage beyond that, your super top-up plan will be there for you!

High Sum Insured

High Sum Insured

Super top-up plans can be customized to suit your needs. You can choose from Sum Insured of 10 to 20 lakhs, giving you enough coverage for all of life’s up and downs!

Tax benefits!

Tax benefits!

One of the reasons people buy any kind of health insurance policy, beyond their corporate plan is to boost their tax savings. According to Section 80D, anybody who buys a health insurance can claim tax benefits to up to 25,000!

Frequently asked questions