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Individual Health Insurance Plans
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!
|Minimum Entry Age||90 Days|
|Maximum Entry Age|
65 Years (For Silver & Gold Variant), No Limit (For Platinum Plan)
|Policy Tenure||1/2/3 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:
|Category||Silver Plan||Gold Plan||Platinum Plan|
|Hospitalization Expenses||Covered Up To Sum Insured|
|Pre-Hospitalization Expenses||30 Days||60 Days||90 Days|
|Post-Hospitalization Expenses||60 Days||90 Days||180 Days|
|Room Rent Limit Per Day – Standard Single Private Room||Covered For Sum Assured Rs 3 Lakhs & Above||No Limit||No Limit|
|No Capping On ICU Charges||Covered|
|Daycare Treatment||Covered Up To Sum Insured|
|Ambulance Cover||Up To Rs. 1500||Up To Rs. 3,000||Up To Rs. 10,000|
|Domiciliary Hospitalization||Up To Sum Insured|
|Maternity Cover||NA||Up To Rs. 50,000||Up To Rs. 2 Lakhs|
|Shared Accommodation||Rs. 800 Per Day||Rs. 1000 Per Day||Rs. 1200 Per Day|
|Critical Illness Cover||NA||Covered||Covered|
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 1||Name & Age Of Adult 2||Sum Insured||Silver Plan||Gold Plan||Platinum|
|Saksham Singh – 29 Years||Avantika Mishra – 29 Years||Rs. 3 Lakhs||Rs. 7,354||Rs. 12,543||NA|
|Shubham Dixit – 35 Years||Garima Kaundal – 30 Years||Rs. 5 Lakhs||Rs. 11,769||Rs. 16,182||NA|
|Minakshi Gupta – 45 Years||Chaddha Singh – 44 Years||Rs. 10 Lakhs||NA||Rs. 38,948||Rs. 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:
- Single Premium
- Installment Premium