Are pre-existing conditions covered?

Yes, pre-existing conditions are covered after completing the waiting period specified in the policy. Coverage begins once the mandatory waiting duration for these conditions is completed.

What is Digit Super Top-Up Health Insurance?

It is a high-coverage plan that activates after your base policy or deductible is exhausted, providing additional financial protection for major medical expenses and ensuring comprehensive health security.

Who can buy this plan?

Individuals aged 18–65 years can purchase it. Children can be added under a family floater when included with parents, making it suitable for both individual and family coverage.

Is a base health insurance policy mandatory?

Yes, a base health insurance policy is required. The super top-up plan activates only after your base policy or deductible limit is fully utilized, providing extra coverage.

What coverage does this plan provide?

It covers hospitalisation, ICU, room rent, doctor fees, surgeries, daycare procedures, organ donor expenses, ambulance charges, and certain modern or advanced treatments as per policy terms.

What is a deductible in this policy?

A deductible is the fixed amount you must pay or utilize from your base health insurance before the super top-up plan starts covering additional medical expenses.

Can I get cashless treatment?

Yes, cashless treatment is available at Digit’s network hospitals, allowing patients to receive medical care without upfront payments, making hospitalisation more convenient and less stressful financially.

Do I need a medical test to buy the policy?

Many applicants up to a certain age can buy the policy without pre-policy medical tests. Requirements may vary depending on the individual’s health profile.

Are modern treatments included?

Yes, the plan includes modern and advanced medical treatments such as specialised procedures, surgeries, and approved day-care treatments, according to the policy’s terms and conditions.

How do I make a claim?

Claims can be made via cashless treatment at network hospitals or reimbursement for non-network hospitals. All required documents must be submitted within the policy timeline.

Does the plan offer tax benefits?

Yes, premiums paid for this policy are eligible for tax deductions under Section 80D of the Income Tax Act, helping reduce your taxable income while securing health coverage.

What is the maximum sum insured?

Digit Super Top-Up offers high coverage options, often up to several crores, depending on eligibility, age, and the plan selected, providing financial protection against major hospital expenses.

What expenses are not covered?

Exclusions include cosmetic or aesthetic procedures, self-inflicted injuries, substance abuse-related illnesses, non-medical expenses, and unproven or experimental treatments not recognised under standard medical guidelines.

Can I renew my Digit Super Top-Up policy?

Yes, the policy is lifelong renewable. Digit provides reminders, a grace period, and options to upgrade coverage, change deductibles, or add/remove family members at renewal.

Can I buy the policy for my entire family?

Yes, the family floater option allows coverage for your spouse, children, and dependents under a single policy, offering shared sum insured for all covered members.

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Digit Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it gives you high additional coverage at a much lower premium than a regular health insurance plan.

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9400+

Network Hospitals

99%

Claim Settlement Ratio

₹3 Cr

Coverage

24*7

Customer Assistance

Our Verdict

Our Verdict on Digit Super Top-up Health Insurance

Pros

Covers modern treatments and day-care procedures

Wide network hospital access for cashless treatment

Simple deductible structure for easy understanding

Offers high sum insured at low premiums

Cons

Pre-existing disease waiting period can be long

Some sub-limits on specific treatments

Mandatory deductible may confuse first-time buyers

Limited customisation options

Pros

Covers modern treatments and day-care procedures

Wide network hospital access for cashless treatment

Simple deductible structure for easy understanding

Offers high sum insured at low premiums

Cons

Pre-existing disease waiting period can be long

Some sub-limits on specific treatments

Mandatory deductible may confuse first-time buyers

Limited customisation options

Final Verdict

Digit Super Top-Up Health Insurance is an excellent option for anyone looking to increase medical coverage without significantly increasing their premium cost. The plan is designed to offer broad protection once your deductible is crossed, making it ideal for individuals and families who already have a base health insurance policy....

Digit Super Top-Up Health Insurance is an excellent option for anyone looking to increase medical coverage without significantly increasing their premium cost. The plan is designed to offer broad protection once your deductible is crossed,...

Digit Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Factors to Consider While Buying Digit Super Top-Up Mediclaim Policy

Review Your Existing Coverage

Ensure your current health insurance adequately covers typical medical expenses. A Super Top-Up is ideal when your base sum insured may fall short for major hospital bills.

Choose the Right Deductible

Select a deductible that suits your financial comfort. Higher deductibles lower premiums but increase your out-of-pocket payment before coverage starts.

Consider Family Size

For multiple members, a family floater is cost-effective and easier to manage, providing shared coverage for all insured individuals.

Understand Your Health Needs

Pick a plan that matches your medical requirements, especially if any family member has ongoing or high-risk conditions.

Check Premium Affordability

Ensure the premium fits your budget while offering strong, sufficient coverage without causing financial strain.

Review Your Existing Coverage

Ensure your current health insurance adequately covers typical medical expenses. A Super Top-Up is ideal when your base sum insured may fall short for major hospital bills.

Choose the Right Deductible

Select a deductible that suits your financial comfort. Higher deductibles lower premiums but increase your out-of-pocket payment before coverage starts.

Consider Family Size

For multiple members, a family floater is cost-effective and easier to manage, providing shared coverage for all insured individuals.

Understand Your Health Needs

Pick a plan that matches your medical requirements, especially if any family member has ongoing or high-risk conditions.

Check Premium Affordability

Ensure the premium fits your budget while offering strong, sufficient coverage without causing financial strain.

Super Top-Up

Inclusions & Exclusions of Digit Super Top-Up Health Insurance Plan

Inclusions

Ambulance charges

Modern and advanced treatments

Organ donor expenses

Pre- and post-hospitalisation expenses

Day-care treatments

Surgeries and medical procedures

Hospitalisation costs including room, ICU, and doctor fees

Exclusions

Unproven or experimental treatments

Illness due to alcohol or drug misuse

Self-inflicted injuries

Cosmetic or aesthetic treatments

Non-medical or personal expenses

Pre-existing diseases within the waiting period

Illnesses during the first 30-day waiting period

Inclusions

Ambulance charges

Modern and advanced treatments

Organ donor expenses

Pre- and post-hospitalisation expenses

Day-care treatments

Surgeries and medical procedures

Hospitalisation costs including room, ICU, and doctor fees

Exclusions

Unproven or experimental treatments

Illness due to alcohol or drug misuse

Self-inflicted injuries

Cosmetic or aesthetic treatments

Non-medical or personal expenses

Pre-existing diseases within the waiting period

Illnesses during the first 30-day waiting period

Digit Super Top-up Health Insurance Plan

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Super Top-Up

Claim Process for Digit Super Top-Up Health Insurance

1-5 of 6 Process

Super Top-Up

How to Renew Digit Super Top-Up Health Insurance

Super Top-Up

How to Buy Digit Super Top-Up Health Insurance

1-5 of 7 Steps

Super Top Up

Still Confused? Get Expert Guidance

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.