You Heard It Here First,
Digit’s Diamond Top Up Is Now LIVE!
Exclusively for corporate employees, to begin their health insurance journey.
Group PricingDay 0 Coverage+Continuity BenefitRemovable Deductible
DIGIT DIAMOND TOP UP
Exclusively for your employees
Best of Both Worlds: Group Pricing & Day 0 Coverage + Retail Continuity & Ownership
0 Waiting Period PED/Specific Illness
Retail Policy Not Linked To Employment
CB 50% Every Claims Free Year, Max 100%
Renewals Available for a Lifetime
Pricing advantage with Diamond Top Up
Sum Insured ₹10 Lakhs | Deductible ₹3 Lakhs | Digit: Day 0 Coverage, Zero Waiting
| Age | 1 Adult | 2 Adults | 2A + 1 Child | 2A + 2C Digit | 2A + 2C Market |
|---|---|---|---|---|---|
| 20 | 3,192 | 3,791 | 4,429 | 5,147 | 5,730 |
| 25 | 3,196 | 3,796 | 4,435 | 5,155 | 5,730 |
| 30 | 3,434 | 4,077 | 4,765 | 5,536 | 5,730 |
| 35 | 3,934 | 4,671 | 5,281 | 6,063 | 5,730 |
| 40 | 4,778 | 5,675 | 6,236 | 7,006 | 6,630 |
| 45 | 6,059 | 7,195 | 7,680 | 8,521 | 6,630 |
| 50 | 7,879 | 9,357 | 9,751 | 10,607 | 9,310 |
| 55 | 10,364 | 12,307 | 12,592 | 13,564 | 9,310 |
| 60 | 13,662 | 16,224 | 16,395 | 17,367 | 18,590 |
HEALTHCARE CONTEXT
Rising healthcare costs demand higher, smarter coverage
More than ever, employees now need coverage beyond their group policies that are not linked to employment.
of corporate employees in Tier-1 cities already have a secondary, independent retail health plan
GST has been waived for Retail Health policies, making personal coverage more accessible than just a year ago
medical inflation in 2026, is signal enough that it is time to expand personal health protection
COVERAGE & ADD-ONS
Digit Diamond Top Up: Coverage & Add-ons
A comprehensive base plan with flexibility to match every employee's need
| Base Plan | Coverage |
|---|---|
| Sum Insured | ₹10L / 15L / 25L / 50L / 1 Cr |
| Deductible Options | ₹3L / 5L / 10L |
| PED Waiting Period | 0 Years |
| Specific Illness Waiting Period | 0 Years |
| Room Rent | Single Pvt AC Room |
| Unlimited Refill Benefit | Related & Unrelated illness |
| 100% Cumulative Bonus | 50% of Base SI every claim-free year, 100% |
| Pre / Post Hospitalization | 60 / 90 Days |
| Day Care Procedures | Up to SI |
| Emergency Air Ambulance | Up to SI |
| Road Ambulance | 1% of Base SI, max ₹5,000 |
| Organ Donor Expenses | Up to SI |
| Home Domiciliary Hosp. | Up to SI |
| Bariatric Surgery Cover | 5% of SI |
| Psychiatric Illness Cover | Up to SI |
| Ayush Cover | Up to SI |
| Modern Treatment | 50% of SI |
| Wellness Benefit Program | Health Risk Assessment, Condition Management, Discounts on Meds/Labs |
SELF-SERVE EXPERIENCE
Simple, self-serve checkout experience
Without adding work for HR, voluntary policies should be easy for employees to buy.
No Minimum Enrolment RequiredLink Based Journey For EmployeesHassle Free For HR Ops
Log In
Corporate Email
+ OTP Verified
Fill Details
Self + Family
Pick Covers
Customize
Self Declare
Medical History
Pay
Policy Issued
WELLNESS BENEFITS
Daily savings with Digit’s wellness benefits
Included with
Digit Diamond Top Up
Digit Diamond Top Up
| Benefit | Average Visits in a year* | Average Charges* (in INR) | Money Saved (in INR) | Offer Details |
|---|---|---|---|---|
| General Physician Consultations | 6 | 500 | 3000 | Unlimited, Free Teleconsultation |
| Specialist Doctor Consultations | 4 | 1000 | 2000 | 50% discount |
| Dental Consultation | 2 | 1000 | 2000 | Free Consultation + Free X-Ray |
| Medicine Orders | 12 | 1000 | 600 | 5% discount |
| Full-body Checkup | 1 | 2500 | 625 | 25% discount |
| Diagnostic Tests | 4 | 1500 | 1500 | 25% discount |
| Spectacles purchase | 1 | 7500 | 3750 | 50% discount |
| Therapy for Mental Wellbeing | 8 | 2000 | 8000 | 50% discount |
| Diet and Fitness | 3 | 5000 | 2250 | 15% discount |
| Chronic Care | 1 | 10000 | 1500 | 15% discount |
| Physiotherapy Consultation (Online) | 1 | 1000 | 1000 | Free Consultation |
| Physiotherapy Sessions (Home Visit) | 10 | 800 | 1200 | 15% discount |
| Total Money You Can Save By Using Digit's Wellness Benefits | 27,425SAVINGS WITH DIGIT | |||
At Riskbirbal, we believe our clients deserve nothing but the best