Edelweiss Health Insurance Health Insurance

Edelweiss Health Insurance policies are tailored to meet the medical care needs of its policyholders. Whether one is in need of regular medical assistance or treatment of COVID-19, the organization provides a policy that would suit every situation. If you want to know more about these policies, then go through the table mentioned below.

Let us look at all of these policies in detail.

1. Edelweiss Health Insurance Company Plan

Edelweiss Health Insurance Policy is a standard insurance plan that provides comprehensive financial coverage to the policyholder if they are suffering from any long-term medical issues. There are three variants of this policy, including silver, gold, and platinum. You can find more information about these variants by going through the table mentioned below.

Beyond this, some key features of the silver plan are mentioned below.

• The plan provides coverage to the policyholder if he or she is hospitalized due to an illness or injury. Expenses like room rent, nursing charges, operation theater charges, medical practitioner fees, ICU charges, and medication expenses are covered
• All expenses of the policyholder incurred up to 30 days before the hospitalization took place and 60 days after the hospitalization ended are also covered
• Day-care treatments are also covered under this plan. These treatments should not exceed 24 hours of hospitalization
• If there is a medical emergency and the insured has to be transported to the hospital, then those ambulance charges will also be covered up to a value of RS. 1,500

The key features of the gold plan are discussed below.

• Pre- and post-hospitalization benefits are provided to policyholders. The plan cover charges incurred up to 60 days before hospitalization and 90 days after getting discharged from the hospital
• Ambulance expenses are covered up to a total of Rs.3,000 in case of an emergency
• The plan also comes with organ donor expense cover. This is applicable against an organ donor’s inpatient treatment for harvesting the organ. The maximum sum assured is Rs.1 lakh
• Maternity benefit of up to Rs.50,000 is provided in case of two deliveries or lawful termination of the pregnancy of the insured individual

Some important features of the platinum plan are mentioned below.

• The insured can get hospital cash benefits of up to a total of Rs.15,000 if the hospitalization exceeds three consecutive days. This amount can be received for up to 7 days of hospitalization
• Pre- and post-hospitalization charges of 90 days before hospitalization and 180 days after hospitalization are also covered
• An ambulance cover of up to Rs.10,000 is provided with this plan
• In case of inpatient treatment of an organ donor, one can receive an organ donor treatment benefit of up to Rs.2 lakh
• The platinum plan also covers any charges incurred for treatments under Ayur, Unani, Ayurveda, Siddha, and Homeopathy in any government or government-recognized hospital or institution

2. Edelweiss Corona Kavach Policy

If an individual falls ill with COVID-19, then the Edelweiss Corona Kavach Policy is designed to provide him or her with the necessary financial protection. This policy is available on both an individual basis and a family floater basis. Some details of this policy are discussed below.

3. Edelweiss Corona Rakshak Policy

Under the Edelweiss Corona Rakshak Policy, an individual can get 100% insurance cover if he or she requires uninterrupted hospitalization for at least 72 hours. The only requirement in this policy is that the test for COVID-19 should be done at a diagnostic center that has been authorized by the government. You can find more details related to this policy below.

4. Edelweiss Arogya Sanjeevani Policy

The Edelweiss Arogya Sanjeevani Policy is designed for every individual who feels as if hospital costs and medical treatment charges are constantly soaring up. This policy provides several benefits from day-care charges to pre-hospitalization charges. Other details of this comprehensive plan are mentioned in the table below.

There are also key inclusions and exclusions that fall under the different types of Edelweiss health insurance policies. We’ll first look at the key inclusions.

• Inpatient hospitalization charges for room, doctor’s fee, and medicine up to the total sum assured value
• Pre-hospitalization for 30 days in silver policy, 60 days in gold policy, and 90 days in platinum policy
• Day-care treatment expenses are either reimbursed or one can get cashless treatment
• Emergency ambulance charges for necessary transportation of the patient
• Charges related to an organ donor
• Post-hospitalization charges for 60 days in silver plan, 90 days in gold plan, and 180 days in a platinum plan

The exclusions factors of the Edelweiss health insurance policy are:

• Any treatment, condition, or item that falls under the list of non-medical items
• Expenses for corrective devices, external prosthesis, and focused ultrasound
• Any therapies or treatments related to magnetic, acupressure, or acupuncture
• Any condition directly or indirectly related to STDs or AIDS/HIV
• Medical expenses incurred on newborn children below the age of 91 days
• Cosmetic surgery, plastic surgery, or any other related treatment