Edelweiss Health Insurance Top-Up Policy

Edelweiss Top-Up Plan provides a wide range of benefits, some of which are discussed below:

• No Claim Bonus

As a No Claim Bonus for each complete and continuous policy year, the company will increase the Sum Insured at the end of each policy year, provided that no claim has been filed or paid by the company in the preceding policy year.

• Pre-existing Disease Waiting Period Waiver/ Reduction

Pre-existing waiting periods shall be shortened or eliminated upon payment of additional premium. Any permanent exclusions listed in the policy schedule will not be covered by this coverage.

• Base Policy Co-Pay Support

The plan will cover the costs associated with co-payment deductions (voluntary co-pays or mandatory co-payments in the base policy) up to the sum allowed by the policy schedule. Payable will be the amount withdrawn solely for the base policy’s co-payment expenses.

• Base Policy Higher Room Rent Support

Up to the sum allowed under the policy schedule, the plan will cover the costs associated with the base policy’s deduction for associate medical expenditures and excess room rent. You will be responsible for paying the amount withheld from your base insurance only for the associated medical bills and excess room rent.

• Discounts

The plan offers the following discounts to the policyholder:

• Family discount: 5%
• Long-term discount: 7.5% for 2 years and 10% for 3 years
• Online discount: 15%
• Renewal discount: 5%
• Edelweiss group employee discount: 5%
• Edelweiss customer discount: 5%
• Loyalty discount: 5%

• Double Sum Insured For Critical illness (CI)

By selecting this coverage, the company would compensate the policyholder twice the basic sum insured that is listed in the policy schedule for the payment under the basic covers of the policy. The insured will receive compensation up to base SI if the Double Sum Insured for Critical Illness option is not selected.

• Restoration Benefit

Once every policy year, on an indemnity basis, the company will restore 100% of the sum insured if the total sum insured, including earned No Claim Bonus is not sufficient due to claims accepted or paid during the policy year.

• Worldwide Coverage

With the exception of domiciliary hospitalization, this policy’s coverage will be extended throughout the entire world upon payment of an additional fee. For any treatment received outside of India, the waiting time will be applied again if the insured chooses to renew with worldwide coverage.