Introduction to Super Top-up Health Insurance for those Retiring soon!
One of the things people are consistently planning for, is their retirement, be it your financial health or your wellbeing.
As part of your financial planning, your health insurance is something you should evaluate and assess too; both from a healthcare benefit and financial perspective.
This is because while you may currently be covered under your employer’s group health insurance plan, your benefits will come to a stall once you retire, at an age when you may need it the most.
So here’s a customized health insurance option that will best suit your current situation!
You can opt to buy super top-up health insurance right now, whilst still being under your employer’s plan and eventually upgrade to our complete Digit Health Plus plan when you retire.
This way, you won’t have to pay high health insurance premiums right now and, will also overcome all waiting periods in time. Read on to learn more about why you should get Digit’s super top-up health insurance plan.
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 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!
What’s covered in Super Top-up Health Insurance?
| Benefits | |
Super Top-upIt 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 HospitalizationThis 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. |
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Day Care ProceduresHealth 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. |
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Pre-Existing/Specific Illness Waiting PeriodThis 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 CappingDifferent 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 RentICU (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 ChargesAmbulance 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. |
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Complimentary Annual Health CheckupAnnual 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. |
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Pre/Post HospitalizationThis covers for all expenses before and after hospitalization such as for diagnosis, tests and recovery. |
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Post Hospitalization Lumpsum - Digit SpecialThis 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. |
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Psychiatric Illness CoverIf 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. |
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Bariatric SurgeryThis 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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| Get Quote |
What’s not covered?
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.
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.
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?
Frequently asked questions
Why should I get a super top-up health insurance when I can just buy a standard health insurance policy post retirement?
You may do that too. However, you need to keep in mind that all health insurance plans come with their own set of waiting periods.
The main advantage of buying a super top-up health insurance before you retire is, you will complete waiting periods sooner, the health insurance premiums for top-up plans are a lot lesser so you won’t be spending much and most importantly, with Digit’s super top-up health insurance, you can automatically upgrade to a standard plan post retirement.
Can I use my employer's health insurance once I retire?
No, typically all group health insurance plans offered by corporates are no longer valid once you leave the company.
What are the advantages of a super top-up insurance?
One of the key advantages 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, and in your case- even the choice to upgrade to a full-fledged plan!