Digit Super Top up Health Insurance Plan

(21 Reviews)
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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

      Criteria

      Specifications

      Entry Age Criteria

      18-65 years

      Sum Insured

       Rs 10 lakh to 20 Lakh

      Deductible

      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.

      FAQs

      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*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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