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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Digit Super Top up Health Insurance Plan

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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.

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