Bengaluru: Digit Insurance, on a mission to make insurance simple in India, offers a solution to top-up an existing health cover with its Health Care Plus Policy. This is an extension of Digit’s health insurance policy. The features curated for the top-up option are specially picked to suit an individual’s and a family’s additional healthcare needs, especially at the time of COVID-19 when medical expenses are skyrocketing. This type of offering is generally known as top-up or super-top up since this adds to customers’ existing health policy.
Digit’s philosophy behind curating this product is to help customers to enhance their existing health insurance plan where they have already used the maximum claim amount. The major differentiator with Digit’s offering is that it requires a single deductible. A super top-up plan covers cumulative medical expenses within a policy year once you’ve exceeded the deductible versus a regular top-up plan that only covers claims when a single claim goes above the deductible
Features of Digit Health Care Plus
The policy is available for both individuals and on a family-floater basis.
Through the top-up offering, a customer needs to pay the deductible amount only once and can then claim multiple times in a year.
It has lower deductible options to choose from that can be customised as per the healthcare need
It covers COVID-19 treatment, AYUSH, accidental & illness hospitalization, Organ Donor expenses to minor surgical procedures such as POP, suturing, dressings for accidents and animal bite, OP dental treatment for the immediate relief of dental pain, specialist consultation, assessment, treatment and medication for psychiatric disorders.
The policy comes with an option to opt for No restriction on hospital room/ICU fees, no age-based co-payment & a complimentary health check-up on every renewal
Vivek Chaturvedi, Chief Marketing Officer, Digit Insurance, said, “Our motivation behind launching such an offering on the lines of a top-up health insurance was to safeguard our customers from the increasing medical costs. At the time of such uncertainties where health care costs are on the rise, it is important to have a comprehensive coverage. Topping up an existing insurance cover ensures that people can ramp up their existing coverage with a higher sum insured but at a lower cost. Also, as our mission has always been to come up with simple and relevant solutions for customers, so this offering comes with a single deductible condition and is not too much of a pocket pinch for anyone.
Finally, we believe that with contactless being the new normal, Digit’s zero-touch, easy online processes and cover for the pandemic makes this product relevant and helpful.”
Additionally, Digit’s Health Care Plus offers an array of customer-centric features. These include the option to choose a high sum insured, lack of room restrictions, coverage of COVID-19, facility to get treatment at any hospital and easy online processes.
