Super Top-up Health Insurance

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!



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 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!

Why should you get a Super Top-up Health Insurance?
Increasing medical costs: According to Money Control, healthcare costs in India rise at double the inflation rate! This simply means you need a higher sum insured than what your corporate plan may cover, and a super top-up gives you a boost on just that!

Higher Sum Insured: Honestly, super top-up policies wouldn't exist if there wasn't a need for higher sum insured. A super top-up plan helps you get coverage over and above your corporate plan at a much lower premium, so you'll never fall short!

Greater coverage for seniors & parents: Since healthcare costs for seniors are higher, health insurance premiums too are usually very high. However, a super top-up plan can help you get extensive coverage for your parents, at a much lower cost!

Savior for the rainy day!: If there's anything 2020 and the COVID-19 has taught us so far, it is that everything is essentially uncertain! A super top-up health insurance policy is a cost-effective option to ensure you're covered for life's uncertainties.

Lack of benefits in existing plan: Many corporate plans may not give extensive benefits like that for critical illnesses and AYUSH but your super top-up plan will.

Additional Tax Saving: Just like any other health insurance policy, a super top-up health insurance too comes with tax saving benefits of up to Rs 25,000 to Rs 75,000!

Who should buy a Super Top-up Health Insurance?
Corporate hotshots: You may have a corporate plan by your employer but the sum insured may not be enough. A super top-up plan can help boost your sum insured, without costing you as much as a standard health insurance!

Senior citizens & parents: The older someone is, the higher is their health insurance premium. Buying a super top-up insurance can significantly reduce this premium. Of course the downside is that you'll have to pay the deductible amount first from your existing health or corporate insurer or from your own pocket.

Limited sum insured plan holders: If you've realized that your existing health insurance's sum insured is low and comes with limited benefits, a super top up insurance can boost your sum insured, without worrying about porting or buying a new comprehensive policy.




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.