Super Top-up Health Insurance
No Capping
on Room Rent
Affordable
Premium
24/7
Customer Support
No Capping
on Room Rent
Affordable
Premium
24/7
Customer Support
Buy Super Top Health Insurance Policy Online with Digit in 2025
Are rising medical expenses keeping you up at night? 😰
If so, you're not alone! With healthcare costs continually on the rise, many individuals are searching for ways to protect themselves from unexpected medical bills without breaking the bank.
Here comes a super top-up health insurance: a powerful, budget-friendly way to enhance your existing health coverage and secure your financial future.
This type of plan is designed to kick in when your base health insurance policy reaches its limit, providing you with peace of mind and extra protection.
Table of Contents
What is a Super Top-up Health Insurance?
A super top-up health insurance plan is like an extension of health insurance plan you can use when you’ve already used the maximum claim amount (during the year) from your primary insurance.
However, a super top-up requires you to set a deductible in health insurance before purchasing to pay for your authorized medical expenses claims, and you must pay the deductible. The Super Top-up Plan will then pay the remaining claim amount once you have paid the hospital cost up to this deductible at the time of claim.
So, what’s great about a super top-up plan?
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!
Confused? Here is an example to explain you better.
Understanding Super Top-Up Health Insurance with an Example
You have a group health insurance provided by your company, which covers INR 10 Lakh of the sum insured. You bought a super top-up plan (Digit’s Health Care Plus Policy) to be covered entirely in times of emergencies. You opted for a 2 lakh deductible in the super top-up plan.
Let’s see how the super top-up plan and deductibles work together for you compared to other top-up plans:
| Your Policy Details & Claims | Super Top-Up Insurance (Digit Health Care Plus) | Other Top-Up Plans |
| Deductible Choose | 2 Lakhs | 2 Lakhs |
| Sum Insured Chosen | 10 Lakhs | 10 Lakhs |
| 1st Claim of the Year | 4 Lakhs | 4 Lakhs |
| You Paid | 2 Lakhs | 2 Lakhs |
| Your Top-up Insurer Pays | 2 Lakh | 2 Lakh |
| 2nd Claim of the Year | 6 Lakhs | 6 Lakhs |
| You Paid | Nothing! 😊 | 2 Lakhs (Deductible Opted) |
| Your Top-up Insurer Pays | 6 Lakhs | 4 Lakhs |
| 3rd Claim of the Year | 1 Lakh | 1 Lakh |
| You Paid | Nothing! 😊 | 1 Lakh |
| Your Top-up Insurer Pays | 1 Lakh | Nothing ☹️ |
Super Top-Up Medical Insurance Simplified
Just like adding an extra layer of clothing in winter keeps you warm and secure, a super top-up health insurance plan provides additional protection against high medical bills.
This extra financial cushion works like a comforting shield, giving you peace of mind during life’s harshest storms by providing extra coverage. Watch the video to learn how super top-up health insurance works.
What are the Advantages of Super Top-up Health Insurance by Digit?
How Does a Super Top-Up Plan Work?
So far, we understand that super top-up health insurance provides additional coverage over and above your existing health insurance policy by covering medical expenses beyond a specified deductible amount. Here’s how it works:
Deductible Clause
You must pay or claim up to the deductible amount through your base policy or out of pocket. The super top-up plan activates only for expenses exceeding this limit.
Cumulative Claims
Unlike standard top-up plans, super top-ups consider the total medical expenses within a policy year, even if you make multiple claims. This is done to determine if the deductible is met.
Additional Protection
It enhances coverage at a lower premium, ensuring financial security during high or recurring medical costs.
For example, if your deductible is ₹3 lakh and your total medical expenses for the year amount to ₹5 lakh, the super top-up policy will cover the ₹2 lakh exceeding the deductible. This makes it an excellent choice for managing extensive medical bills without overburdening your finances.
What’s Covered in Super Top-up Health Insurance by Digit?
Coverage
Gold Super Top-Up
Diamond Super Top Up
Platinum Super Top Up
Important Features
Inpatient hospitalisation refers to medical treatment and care that requires an individual to be admitted to a hospital or healthcare facility for a specified period.
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement.
This covers for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Ambulance services are one of the most essential medical services as they don't only help transport an ill person to the hospital but also, include basic facilities required in medical emergencies. The cost of the same is covered under this super top-up policy.
This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered.
Digit Special
Different categories of rooms have different rents. Just like how hotel rooms have tariffs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured.
If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this.
Digit Special
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
On opting for this optional cover, we pay your hospitalization expenses when you choose a registered AYUSH Hospital.
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
This is the amount of time you need to wait for, until you can make a claim for a pre-existing or specific illness.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age-based or zone-based Co-payment involved.
Other Features
What’s Not Covered?
Key Benefits of Super Top-up Health Insurance at Digit
Deductible |
Pay only once! |
Copayment |
No Age Based Copayment |
Cashless Hospitals |
8400+ Cashless Hospitals all over India |
Room Rent Capping |
No Room Rent Capping. Choose any room you like. 🙂 |
Claim Process |
Digital Friendly, No Hard Copies Required! |
Treatment for COVID-19 |
Covered |
How to File a Claim for Super Top-Up Health Insurance?
You can submit a claim against your super top-up policy online or in writing to your policyholder to recover your expenses. For example, if you have taken Digit’s Super Top-Up Plan, here are the steps to get a cashless and reimbursement claim.
Cashless Claim Settlement Process
Step 1: Choose any 8600+ Network Hospitals at Digit for a cashless claim.
Step 2: Notify us within 24 hours of being admitted to the hospital in case of an emergency or at least two to three days before any scheduled hospitalization.
Step 3: Present your e-health card to the hospital's help desk or insurance support desk and get the pre-approval paperwork.
Step 4: Complete the form, sign it, and turn it in at the support desk.
Step 5: If everything is verified, you can proceed with the treatment using the cashless facility.
Reimbursement Claim Settlement Process
Step 1: Call us within two days after being admitted to the hospital.
Step 2: You will receive a link to upload soft copies of all original documents (bills, reports, etc.) along with the bank account information of your choice.
Step 3: You must personally sign each document before uploading.
Step 4: Upload the documents after you obtain the link or within 30 days of the discharge date.
Step 5: You will be paid within 30 days after verification and approval of the document.
Difference Between Super Top-up and Top-up Health Plan
Many of you might be confused whether a super top-up plan and a top-up plan are the same thing? No, They are widely different in terms of coverage, premiums and deductibles. Here is a chart to help you understand the difference better:
Why Should You Choose a Super Top-Up Health Insurance Plan?
Healthcare costs are unpredictable, and any medical emergency can drain your bank balance if you have base health insurance with a minimum sum insured. Hence, choosing the best super top-up health insurance is necessary to provide extended coverage in such cases.
Here are some of the reasons why you should get 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 your corporate plan may cover, and a super top-up boosts you on 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 COVID-19 has taught us so far, everything is uncertain! A super top-up health insurance policy is a cost-effective option to ensure you’re covered for life’s uncertainties and be prepared to face unalarmed challenged.
Additional Tax Saving
Just like any other health insurance policy, super top-up health insurance comes with tax-saving benefits under section 80 D of income tax. It is provided up to Rs 25,000 to 1 Lakh, depending on the policy.
Pocket Friendly
Super top-up plans are reasonably priced because they provide extra coverage for your current health insurance policy. This implies that you can have greater coverage for affordable premium quantities.
Who Should Buy a Super Top-Up Health Insurance Plan?
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 super top-up health insurance for senior citizens can significantly reduce this premium and provide extended coverage in case of emergency.
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 buying a new comprehensive policy.
Eligibility for a Super Top-Up Health Insurance Plan
It is important to know about the eligibility criteria before buying any super top-up health insurance plan. These eligibility criteria might vary from one insurer to another, but in general, the eligibility includes the following:
- Age: The person buying the policy must be 18 years of age or older.
- Nationality: The policyholder must be an Indian citizen.
- Medical Examination: Every individual above 45 must get certain tests done to get super top-up coverage.
- Previous Medical Health Condition: Disclose your medical health condition before buying any super top-up.
In conclusion, super top-up health insurance is an excellent way to extend your financial safety net and safeguard against high medical expenses without significantly increasing your premiums. It’s especially beneficial for those who want comprehensive coverage for unexpected, large medical costs while keeping their overall insurance costs manageable.
Don't wait until a medical emergency arises — consider adding a super top-up health insurance plan to strengthen your health coverage today.