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
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.
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
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 (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.
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.
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.
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.