Super Top-up Health Insurance for Senior Citizens
Get extensive coverage by topping up with Digit’s super-top up insurance
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How does a Super Top-up Health Insurance work for Senior Citizens?

Why should Senior Citizens get a Super Top-up Health Insurance?

Increasing healthcare expenditures

Increasing healthcare expenditures

Healthcare expenditures are 3.8 times higher for elderly parents! This simply means your parents will need a higher sum insured. While you may have a corporate plan that covers them, a top-up health insurance helps boost your sum insured for better coverage.

High cover at an affordable premium

High cover at an affordable premium

Health insurance plans for seniors are generally high due to their age and the health risks involved. However, you can opt for a top-up that gives you extensive cover and is yet a lot cheaper than a normal senior health insurance plan. Of course, the downside is that you will have to first cover for the deductible through your GMC or your own pocket.

Increasing health risks

Increasing health risks

Unfortunately, as people age – the risks of illnesses and diseases increase too. Therefore, it’s always better that you’re secure against those risks with an affordable yet, high coverage like a top-up health insurance

Additional Tax Savings

Additional Tax Savings

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

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 seniors are most at risk of the COVID-19 and that’s why, we cover it!
  • 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, and 3lakhs 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 for seniors!  Choose any hospital room! 
  • 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?

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 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.