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Individual Health Insurance Plans

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Edelweiss Health Plus Policy For Family

Purchasing an adequate health insurance plan for your family is no longer a choice but a necessity. Costs in the healthcare industry have dramatically increased. The current pandemic has also demonstrated that health crises can occur anytime and affect people of all ages. This is why it’s so important to have family health insurance.

The Edelweiss Family Health Insurance Policy is a comprehensive plan to protect your family from such unforeseen medical costs. It offers protection for oneself, one’s spouse, dependent children, parents, parents-in-law, siblings, grandparents, or any other such relationship. The plan comes in three variants: Silver, Gold, and Platinum.

If you wish to know about the policy in detail, continue reading!

Eligibility Conditions

Minimum Entry Age90 Days
Maximum Entry Age

65 Years (For Silver & Gold Variant), No Limit (For Platinum Plan)

Policy Tenure1/2/3 Years
Sum Insured Options

Silver: 1/2/3/4/5 Lakhs, Gold: 5/7.5/10/15/20 Lakhs

Platinum: 15/20/50/75/100 Lakhs

What’s Covered Under Edelweiss Health Insurance For Family?

The plan provides coverage for the following expenses:

CategorySilver PlanGold PlanPlatinum Plan
Hospitalization ExpensesCovered Up To Sum Insured
Pre-Hospitalization Expenses30 Days60 Days90 Days
Post-Hospitalization Expenses60 Days90 Days180 Days
Room Rent Limit Per Day – Standard Single Private RoomCovered For Sum Assured Rs 3 Lakhs & AboveNo LimitNo Limit
No Capping On ICU ChargesCovered
Daycare TreatmentCovered Up To Sum Insured
Ambulance CoverUp To Rs. 1500Up To Rs. 3,000Up To Rs. 10,000
Domiciliary HospitalizationUp To Sum Insured
AYUSH TreatmentCovered
Maternity CoverNAUp To Rs. 50,000Up To Rs. 2 Lakhs
Shared AccommodationRs. 800 Per DayRs. 1000 Per DayRs. 1200 Per Day
Critical Illness CoverNACoveredCovered

How Edelweiss Family Health Insurance Is Beneficial?

You should choose the Edelweiss Family Health Insurance plan because of the following reasons:

  • No Claim Bonus

If no claim has been filed or paid by the company in the expired policy year, the plan will increase the sum insured on a cumulative basis as a No Claims Bonus at the conclusion of each completed and continuous policy year. Every year without a claim increases your Sum Insured by 10%, up to a maximum of 50%.

  • Health Checkup For Every Claim Free Year

Policyholders who are 18 years and above are eligible for a free health check-up for every claim-free year under all three variants of the plan. This allows the policyholder to keep track of his/her health and take prompt action if anything critical is diagnosed. 

  • Recovery Benefit

For each continuous and completed period of 24 hours of inpatient hospitalization for the recovery of the insured person, the company will pay a fixed sum up to a maximum of 10 days of hospitalization during the policy year. The recovery benefit is available under the Gold and Platinum variant with Rs. 1000 per day and Rs. 1500 per day respectively.

  • Critical Illness Cover Benefits

The policy also offers critical illness cover to the policyholder. It comes as an option under the Silver variant, whereas, it is included as a base feature under the Gold and Platinum plan. Under the Gold plan and Platinum plan, the sum insured increases by 50% and 100% respectively, when you are diagnosed with any of the listed critical illnesses.

  • Restoration Benefit

If the Total Sum Insured, including earned No Claim Bonus (if any), is insufficient as a result of claims paid or accepted as payable during the policy year, the plan will once per policy year restore 100% of the Sum Insured on an indemnity basis. This benefit is only available for Gold and Platinum variant.

Cost Of Edelweiss Health Insurance For Family

Before you zero in on the Edelweiss Family Health Insurance plan, you might be wondering how much exactly it will cost you. Although the official website of the company allows you to calculate the premium for the same, we have also calculated the cost of the plan based on the different sum insured options. This will give you a fair idea of how much you need to spend on the plan.

Name & Age Of Adult 1Name & Age Of Adult 2Sum InsuredSilver PlanGold PlanPlatinum
Saksham Singh – 29 YearsAvantika Mishra – 29 YearsRs. 3 LakhsRs. 7,354Rs. 12,543NA
Shubham Dixit – 35 YearsGarima Kaundal – 30 YearsRs. 5 LakhsRs. 11,769Rs. 16,182NA
Minakshi Gupta – 45 YearsChaddha Singh – 44 YearsRs. 10 LakhsNARs. 38,948Rs. 49,868

Exclusions Under Edelweiss Health Insurance For Family

The following expenses are not covered by the plan:

  • Injuries brought on by a wartime action or an enemy strike from abroad
  • Sterility and infertility
  • Expenses occurring due to cosmetic or plastic surgery
  • Refractive error
  • Change of gender treatment
  • Breach of law
  • Obesity and weight loss treatment
  • Treatment for an injury that was caused by self-inflicted harm
  • Medication to address issues caused by mental illness
  • Sexually transmitted illnesses like HIV, AIDS, etc.
  • Abuse of hallucinogenic drugs and alcohol is also prohibited.

Frequently Asked Questions

The maternity cover under the plan comes with 4 years waiting period.

Yes. You can upgrade your silver plan to either Gold or Platinum. Moreover, you can also some add-ons as per your requirements.

You can cover up to 8 members of your family under the plan.

Yes. The waiting periods under the plan are as follows:

  • Initial Waiting Period: 30 Days
  • Waiting Period for Specified Diseases: 24 Months
  • Pre-Existing Diseases: 48 Months (Silver), 36 Months (Gold), and 24 Months (Platinum)

The policyholder can choose to pay the premiums for the plan on any one of the following bases:

  1. Single Premium
  2. Installment Premium