Super Top-up Health Insurance

Top-up your health insurance with Digit’s Health Care Plus Policy
Happy Couple Standing Beside Car
{{member}} {{ healthCtrl.getMemberCount(member) }} close
Add member
Send OTP OTP Sent {{healthCtrl.mobileNumberError}}

I agree to the  Terms & Conditions

Port my existing Policy
Send OTP OTP Sent {{healthCtrl.mobileNumberError}}
Didn't receive SMS? Resend OTP
Agent Name: {{healthCtrl.integraAgentDetails.agentName}}
State: {{healthCtrl.integraAgentDetails.state}}
SP Name: {{healthCtrl.integraAgentDetails.spName}}
SP Code: {{healthCtrl.integraAgentDetails.spCode}}

I agree to the  Terms & Conditions

Port my existing Policy



  • -{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids

Renew your Digit policy instantly right

What is a Super Top-up Health Insurance?

Understand Super Top-up with an example

Super Top-up Insurance (Digit Health Care Plus) Other Top-up plans
Deductible chosen 2 lakhs 2 lakhs
Sum Insured chosen 10 lakhs 10 lakhs
1st claim of the year 4 lakhs 4 lakhs
You pay 2 lakhs 2 lakhs
Your top-up insurer pays 2 lakhs 2 lakhs
2nd claim of the year 6 lakhs 6 lakhs
You pay Nothing! 😊 2 lakhs (deductible opted)
Your top-up insurer pays 6 lakhs 4 lakhs
3rd claim of the year 1 lakh 1 lakh
You pay Nothing! 😊 1 lakh
Your top-up insurer pays 1 lakh Nothing ☹️

What are the advantages of a Super Top-up Health Insurance?

  • Covers Pandemics - We understand that the COVID-19 has brought in a lot of uncertainty into our lives. Apart from other illnesses, the COVID-19 is covered too, despite it being a pandemic.
  • Pay your deductible only once - With a super top-up insurance, you need to pay your deducible amount only once and can then claim multiple times in a year. A true Digit special! 😊
  • Customize your super top-up policy as per healthcare needs:  You can choose from 1, 2, 3, and 5 lakhs deductibles and choose between Rs 10 lakhs and 20 lakhs as your Sum Insured.
  • No Room Rent Restriction: Everyone has different preferences and we understand that. That’s why, we have no room rent restrictions!  Choose any hospital room you prefer. 😊 
  • Get Treated at any Hospital: Choose from 6400+ of our network hospitals in India for cashless claims or you may even opt for a reimbursement.
  • Easy Online Processes: From the process of buying a super top-up health insurance to making your claim is paperless, easy, quick and hassle-free! No hard copies, even for claims!

Why should you get a Super Top-up Health Insurance?

Increasing medical costs

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 what your corporate plan may cover, and a super top-up gives you a boost on just that!

Higher Sum Insured

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

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!

Savior for the rainy day!

If there’s anything 2020 and the COVID-19 has taught us so far, it is that everything is essentially uncertain! A super top-up health insurance policy is a cost-effective option to ensure you’re covered for life’s uncertainties.

Lack of benefits in existing plan

Lack of benefits in existing plan

Many corporate plans may not give extensive benefits like that for critical illnesses and AYUSH but your super top-up plan will.

Additional Tax Saving

Additional Tax Saving

Just like any other health insurance policy, a super top-up health insurance too comes with tax saving benefits of up to Rs 25,000 to Rs 75,000!

Who should buy a Super Top-up Health Insurance?

Corporate hotshots

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

Senior citizens & parents

The older someone is, the higher is their health insurance premium. Buying a super top-up insurance can significantly reduce this premium. Of course the downside is that you’ll have to pay the deductible amount first from your existing health or corporate insurer or from your own pocket.

Limited sum insured plan holders

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 porting or buying a new comprehensive policy.

What’s covered in Super Top-up Health Insurance?

Pay your deductible only once- Digit Special
4 years/2 years
No room rent capping - Digit Special
No Limit

What’s not covered?

You can’t make a claim until you’ve exhausted your deductible

You can only make a claim in your top-up health insurance once you’ve already exhausted your existing health insurance policy claim amount or, have already spent up to the said deductible from your pocket. However, the bright side is that you only pay your deductible once.

Pre-Existing Diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without Doctor’s Recommendation

Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.

Pre-Natal & Post-Natal Expenses

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at [email protected] and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Key benefits of Super Top-up Health Insurance


Pay only once!


No Age Based Copayment

Cashless Hospitals

6400+ 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


FAQs about Super Top-up Health Insurance in India