Digit Health Insurance Top-up & Super Top-up Plans

Health insurance plays a significant role in providing financial aid to policyholders at an affordable price.It compensates medical expenses of the patients incurred while they were hospitalised due to a medical emergency. It not only provides financial support, but also ensures that patients are receiving quality care at private hospitals linked with health insurers. Some of the basic expenses that are incurred by all the health insurers include pre and post-hospitalization costs, domiciliary expenses, ambulance charges, room rents, medications, and a lot more. But, sometimes due to the increase in the cost of medical treatments, the sum assured under these plans can be insufficient to meet the medical dues. As a result, insurance companies have begun to provide top-up and super-top-up plans that come in once the sum assured has been exhausted or reached its deductible limit specified by the policyholder.

GoDigit health insurance provides super top-up health insurance plans which are not only cost-effective but also extensive.It is a great deal for policyholders who are ready to put in a small amount of money to improve their current health insurance plan. Apart from extending the coverage, it also provides a pack of exclusive benefits for both individuals and family members, as chosen by the policyholders. It comes with perks like cashless claim benefits, room rents, ambulance charges, no claim bonuses, cumulative bonuses, rewards, and discounts, etc.

About GoDigit Super Top Up Health Insurance Plan

Super top health insurance plans are extensions to the existing base health insurance covers of the policyholders, but it can be bought individually without any regular health insurance plan. It comes in if the medical bills reach a certain threshold amount, and it compensates the policyholder for multiple claim settlement bills proposed within the policy term. It compensates for medical expenses after they have surpassed the deductible limit, as set by the policyholder. This super top-up plan by GoDigit is affordable and it provides wide coverage with a huge amount of sum assured to the policyholders at the time of a medical emergency. Let us look at some of the common features of GoDigit and their super top-up health insurance plans:

• It covers the health of senior citizens at an affordable premium rate.
• With a wide network of linked hospitals, this plan can be claimed under cashless claim benefits.
• It also covers the COVID-19 medical expenses that may incur due to the diagnosis of the coronavirus.
• Additional tax deduction benefits are provided which save the taxes of the policyholders under Section 80D of the Income Tax Act.

Key Benefits of GoDigit Super Top Up Health Insurance Plan

Following are some of the prominent benefits of GoDigit super top-up health insurance cover which can be availed by the customers at the time of claim settlement process:

• This super top-up plan covers COVID-19 disease expenses, making it easier for people who are affected by the coronavirus pandemic.
• You can claim the plan multiple times in a policy year after paying the deductibles for once.
• The claim amount ranges from Rs. 10 Lakhs to Rs. 20 Lakhs with the deductibles option ranging from Rs. 1 Lakhs to Rs. 5 Lakhs.
• There is no restriction on the choice of room chosen for the treatment of the patient under this super top-up health insurance plan by GoDigit health insurance.
• You get a wide range of choices to choose from the network hospitals of the GoDigit health insurance providers.
• You can buy or renew your health insurance policy without any work or difficulty by using the internet.

Who Can Buy This Plan?

Any individual between the age of 18 to 65 years can invest in the GoDigit super top-up health insurance plan. This plan is best suited for corporate hotshots, senior citizens, and policyholders of limited sum assured. This comprehensive super top-up health insurance plan by GoDigit is available to anyone who wants to expand the coverage of their existing health insurance policy.

Waiting Period Under The Plan

People with pre-existing conditions must wait 4 years before claiming the benefits of the super top-up plan, while people with specific illnesses must wait two years.

Renewability of The Plan

Plans under GoDigit health insurance like their super top-up health insurance plan come with a lifelong renewability option that is, the policyholders can renew their policy for their entire life without any change in the benefits that can be availed under their selected policy.

Exclusions Under The Plan

Let us look at some of the major medical expenses that are not included under the GoDigit super top-up health insurance plan:

• You cannot file for a claim under a super top-up plan until you have exhausted your deductibles of the base health insurance cover.
• You cannot claim the policy for pre-existing diseases until the waiting period as mentioned in the policy is over.
• Medical expenses paid during a stay in the hospital that was not recommended by a medical doctor will not be compensated.
• Pre and post-natal expenses are not covered until it leads to hospitalization of the policyholder.