Digit Super Top up Health Insurance Plan

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

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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