Digit Super Top up Health Insurance Plan

(21 Reviews)
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Digit Super Top up Health Insurance Plan

      Digit Health Care Plus is a Super Top-up Policy that can be purchased as an extension to your current once your existing sum insured amount is exhausted during the policy term. 

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      Basically, Digit health super top-up plan works on a cost-sharing basis. It implies that the policy does not pay the complete cost but a part of it, which is over and above the deductible limit. Simply put, if your super top-up plan has a deductible of Rs 3 lakh then, you can file a claim for hospitalization expenses above Rs 3 lakh.

      Eligibility Criteria



      Entry Age Criteria

      18-65 years

      Sum Insured

       Rs 10 lakh to 20 Lakh


      Deductible- Rs 1 lakh, 2 lakh, 3 lakh, and 5 Lakh

      Waiting period of pre-existing diseases

      2 years/ 4 years

      Key Features of Digit Health Care Plus Super Top-up Plan

      The features and benefits that you can avail with Digit super top-up health insurance plan are as given below:

      • The policy is customizable as per your healthcare needs
      • Higher Sum Insured at a reasonable premium
      • No Room Rent Capping is applicable
      • Covers the entire family, including senior citizens
      • Lifelong renewability is provided
      • The claim process is digital-friendly, which is helpful especially during the pandemic
      • No hard copies required to be submitted
      • Cashless facility is available at more than 5900 network hospitals
      • Income tax benefits available under Section 80D
      • Digit Insurance Health claim settlement ratio of 63.56% seems satisfactory but will improve with time as it spends more time in the insurance market

      Inclusions of Digit Health Care Plus Super Top-up Plan

      Digit Super Top-up Health Care Plus provides the following coverage benefits to the policyholders-

      • In-patient treatment hospitalization expenses due to an ailment, accident, or critical illness
      • Fees for treatment by specialists, physicians, nurses, surgeons, and anaesthetists
      • Necessary diagnosis procedures including pathology, brain and body scans, etc.
      • Road Ambulance charges will be 1% of Sum Insured subject to a limit of Rs.5,000/-
      • AYUSH - lines of treatment covered
      • Post-Hospitalization Lump-sum - a benefit one may use to cover all medical expenses post-hospitalization at the time of discharge
      • Psychiatric Illness Cover - for trauma. OPD consultations are excluded
      • Bariatric Surgery: For organ issues due to their obesity (BMI > 35)
      • Second Medical Opinion
      • Organ Donor
      • Infertility Treatment Cover

      You can also refer to the Digit Health Super Top-up Plan Brochure and thoroughly glance through the inclusions, exclusions, and Digit Health Super Top-up premium chart to assess the appropriate top-up cover option before finalizing.

      Exclusions of Digit Health Care Plus Super Top-up Plan

      Digit health super top-up policy does not cover the following expenses:

      • Pre-existing diseases during the waiting period
      • Hospitalization without Doctor’s Recommendation
      • Obesity due to eating disorders, hormones, or any other treatable conditions
      • Out-patient department treatment (OPD treatment)
      • Prenataland postnatal medical expenses

      For a complete list of exclusions, please refer to the Digit Health Super Top-Up Policy Terms and Conditions.

      To buy this super top-up health insurance plan you can reach out to us at care@policybazaar.com or call us at 1800-708-8787.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      Digit Health Insurance Plans
      Digit Group Health Insurance

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