Buy Super Top-up Health Insurance Plan in India
What is a Super Top-up Health Insurance?
A super top-up health insurance plan is like an extension of a health insurance you can use when you’ve already used the maximum claim amount (during the year) in your corporate insurance or, are largely okay to pay some amount from your pocket, but need a health insurer to cover for you when things get pricier.
What’s great about a super top-up plan is that, it covers claims for cumulative medical expenses within a policy year once you’ve exceeded the deductible versus a regular top-up that only covers claims when a single claim goes above the deductible!
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 are the advantages of a Super Top-up Health Insurance?
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 16400+ 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!
Why should you get a Super Top-up Health Insurance?
Who should buy a Super Top-up Health Insurance?
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.
Key benefits of Super Top-up Health Insurance
| Deductible | Pay only once! |
|---|---|
| Copayment | No Age Based Copayment |
| Cashless Hospitals | 16400+ Cashless Hospitals All Over India |
| Room Rent Capping | No Room Rent Capping. Choose any room you like. |
| Claim Process | Digital Friendly, No Hard Copies Required! |
| Treatment for COVID-19 | Covered |
FAQs about Super Top-up Health Insurance in India
How does a super top-up health insurance work?
A super top-up plan works on a cost-sharing basis. This means, the entire cost is not borne by your super top-up health insurer but only a part of is it covered, based on what your deductible is. If your super top-up plan has a deductible of Rs 2 lakhs then, your super top-up plan will cover for claims beyond 2 lakhs.
What is the difference between a super top-up health insurance and a regular health insurance plan?
The main difference between a super top-up health insurance and your regular health insurance plan is that, your health insurance plan will cover for your complete, or 70% of your hospitalization expenses (depending on your health insurance policy).
However, a super top-up health insurance only covers your expenses if it is above a certain limit.
For example: If your super top up health insurance policy only covers for you after 5 lakhs...this means if your bill is 8 lakhs, it will only cover for the 3 lakhs after you’ve spent 5 lakhs from your pocket or from your standard health insurance policy.
Why is a super top-up health insurance plan cheaper?
The primary reason a super top-up health insurance plan is cheaper is because, the entire costs are not borne by the super top-up health insurer. Additionally, costs are only borne once one has passed the deductible limit.
What is the difference between a top-up health insurance and a super top-up health insurance?
You’ve probably read about both top-up and super top-up health insurance and are confused what really is the difference between them.
In simple words, a top-up health insurance will only cover for costs when a single claim goes beyond the deductible limit.
However, a super-top up health insurance will cover for costs even when more than one claim during the year put together go beyond the deductible limit.
For example: If you’ve opted for a top up plan with a deductible of 5 lakhs and during the year, you have two claims of 4 lakhs each, then your top up health insurance won’t cover for the claim since the single claim doesn’t cross 5 lakhs.
However, a super top-up plan will since the total claim amount during the year amounts to Rs 8 lakhs and will hence cover for the rest 3 lakhs.
What do you mean by deductible in a super top-up health insurance?
A deductible is the amount you or your primary insurer has to pay before your super top-up insurance can pay for you.
So, for example if you’ve chosen a top-up or super top-up plan of Rs 2 lakhs as your deductible, and Rs 20 lakhs as your Sum Insured.
During a claim, if you have a total claim of Rs 3 lakhs, then your super top-up insurance will claim for the remaining 1 lakh, while you will need to pay for the first 2 lakhs (through your own pocket or your group medical plan/primary health insurance).
Who is eligible to buy a super top-up health insurance?
Anyone between the ages 18 to 65 years are eligible to buy a super top-up health insurance.
How will a super top-up health insurance benefit my parents?
As one gets older, healthcare expenses too rise. This means, the overall expenses towards healthcare in a year may be higher than what your corporate plan or basic health insurance may cover.
What should I opt for a – a top-up or a super top-up plan?
Most people buy top-up health insurance plans to ease financial uncertainties. While both a top-up and super top-up help manage expenses when they go above the decided deductible, super top-up plans are applicable when total expenses in the year go above and beyond the deductible whereas top-up plans are applicable to single claims only.
So, from a financial perspective, super top-up plans help you save and benefit a lot more!
How does a super top-up health insurance boost my sum insured?
The concept of a super top-up health insurance is that, once you’ve spent up to your deductible amount on health-related claims during the year, you can use your super top-up plan for additional coverage. This means, if you have a corporate health insurance of up to Rs 3 lakhs Sum Insured and a super top-up health insurance of Rs 10 lakhs, you will have a total of 13 lakhs Sum Insured, your super top-up giving you the primary boost.
What are the factors that will affect my super top-up health insurance premium?
The factors that will affect your super top-up health insurance premium include, your age, geographical location, and the deductible and sum insured you’ve chosen as part of your super top-up health insurance plan.