A health insurance policy offers financial assistance by paying the pre-determined healthcare costs of the policyholder or the insured if either needs medical care. ZUNO Health Insurance, formerly known as Edelweiss health insurance, provides reasonably priced health insurance plans for people and families and ensures that all of your medical requirements are met. With ZUNO Medical Insurance’s extensive coverage, one can save cash during an urgent hospitalization.
Importance of Edelweiss Health Insurance Plan
The custom Edelweiss Health Insurance plans to provide covered members with the greatest level of security at a reasonable cost. You can get the following advantages by purchasing any of the ZUNO health insurance plans:
- ZUNO Health Insurance pays for usual and reasonable costs associated with the medical care received by the policyholder throughout the policy period for an illness, injury, or any other condition covered by the plan.
- Only members over the age of 60 are subject to the 20% co-payment.
- In the event of a marriage or childbirth, the insurer offers the applicant the option of mid-term inclusion. A pro rata fee will be applied to the premium.
List of Edelweiss Health Insurance Policy
- Edelweiss Tokio Critic Care + (MultiClaim Option)
What are the Diseases Covered Under Edelweiss Health Insurance Policy?
The insurers’ health insurance plans typically cover the following well-known diseases:
- COVID-19
The IRDAI has ordered that all health insurance companies offer coverage for COVID-19 sickness. Due to a lack of effective care and financial limitations, many people lost loved ones during the global pandemic. Therefore, health insurance companies have launched COVID-19-specific plans to aid people in overcoming such circumstances. The health insurance plan not only pays for the coronavirus-related hospitalization costs but also covers the costs associated with pre-and post-hospitalization during a brief waiting period.
- Cancer
Cancer is one of the most fatal diseases that is currently widespread in the world. People of all ages can develop cancer due to changes in modern living and a long medical history. To assist the survivors financially, several insurance companies offer coverage for all stages of cancer. In addition, clinicians will assist you in getting a second medical opinion to help with the diagnosing process.
To assist policyholders in making up for the income loss sustained as a result of the condition, the claim amount for such diseases is provided to them in a lump payment.
- High Blood Pressure
More and more people are adding their names to the list of blood pressure sufferers due to workplace stress or perhaps any other medical problem. High blood pressure must be treated as quickly as possible since it might induce blood vessel obstruction, which can trigger a heart attack or stroke. Because of this, it’s crucial to get prompt medical care for blood pressure problems, which can be done without any complications with the aid of a health insurance plan.
- Diabetes
Diabetes is a condition when the patient’s blood sugar levels are elevated. Although there is typically no long-term treatment for the illness, if it is not prevented, it can result in more serious problems like heart attack, stroke, kidney failure, and many others if left untreated. A diabetic patient can receive the appropriate care without experiencing any financial burden with the aid of a health insurance plan that is available and offers comprehensive coverage.
- HIV/AIDS
HIV/AIDS is a fatal illness that attacks the immune system of a person and is brought on by a virus. HIV cannot be permanently cured, but it can be managed with the right medical attention. Numerous health insurance options give policyholders the much-needed financial support they need for treatment with the least amount of difficulty.
- Cataract
A cataract is an eye condition that causes a person’s eyesight to become hazy. The operating expenses for cataract surgery may deplete the patient’s financial reserves. As a result, you can improve your vision quality without worrying about money thanks to health insurance policies.
What is not Covered Under Edelweiss Health Insurance Policy?
Listed below are the frequently asked questions related to the Edelweiss health insurance policy.
- Congenital Diseases/Genetic Disordered
Genetic or congenital disorders are bodily illnesses that are present at birth in a person. It is further divided into internal congenital conditions like a weak heart from birth and exterior congenital conditions like excess skin formation, etc. Any of these illnesses are not covered by a health insurance provider.
- Cosmetic Procedures
Botox, facelifts, breast or lip augmentations, rhinoplasty, and other forms of cosmetic surgery are means to improve a person’s physical attractiveness and are not seen to be necessary to preserve the quality of life or assure body function. As a result, it is not covered by health insurance.
- Health problems brought on by drug, alcohol, and smoking use
There is no doubt that drug users, smokers, or frequent drinkers of alcohol are more likely than other persons to develop lifestyle diseases. High levels of drug, cigarette, or alcohol use can lead to serious illnesses like stroke, liver damage, mouth cancer, bronchitis, etc. Claims under these situations are excluded by health insurance coverage.
- IVF and Infertility Treatments
IVF and other therapies for infertility are planned events that cost a lot of money. Therefore, the costs associated with any infertility treatment are not covered by the health insurance policy, which only covers medical emergencies brought on by unforeseeable events.
- Pregnancy Treatment
Due to difficulties from a cesarean section, the health insurance coverage does not cover any prenatal care.
- Choice Abortion
Due to India’s restrictive rules regarding abortion services, the costs associated with an elective abortion are not covered by the health insurance plan.
- Pre-existing Illnesses
When it comes to the waiting period, a health insurance policy does not cover any procedures like surgery or the diagnosis of illnesses whose signs and symptoms appear for the first time within 30 days of the policy’s purchase.
- Inflicting harm on oneself
Health insurance policies do not provide coverage for any injuries brought on by suicide attempts or self-harm. Any damages brought on by suicide attempts or self-harm are not covered by health insurance policies.
- Transmitted Disease
In India, few health insurance plans offer limited coverage for sexually transmitted illnesses like gonorrhoea and HIV for a set time or dollar amount. The expense of the health insurance company’s coverage is increasing because some diseases have lengthy treatments and require lifelong cures.
Conclusion
Customers of Zuno Health Insurance can choose from several different health insurance policies. Every person’s and their family’s healthcare needs are taken into account when designing Zuno health plans.
