Edelweiss Arogya Sanjeevani Plan

Edelweiss Arogya Sanjeevani Insurance Policy is introduced under the recent announcement of IRDAI, which is a basic health cover with sum insured ranging from Rs 1 lakh to 5 lakh. In order to maintain its uniqueness, the IRDAI has also restricted all the insurance providers to imposing deductibles and variants with this policy.

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Edelweiss Arogya Sanjeevani Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Edelweiss Arogya Sanjeevani Policy: Key Highlights

    Type

    Individual/Floater

    Sum Insured

    1 lakh-5 lakh

    Pre-existing Illness Waiting Period

    48 months

    Claim Payment Type

    Indemnity Basis (Cashless/Reimbursement)

    Cumulative Bonus

    5%-50% of the SI


    Scope of Coverage

    The scope of coverage under this policy starts from Rs 1 lakh, while the maximum sum insured to be availed is Rs 5 lakh. Increment in SI in allowed in multiples of Rs 50,000. The policy tenure is for 1 year. The scope of coverage under this policy can be categorized as:

    • Hospitalization Expenses: In-patient treatment expenses for a hospital stay in excess of 24 hours are reimbursed fully, subject to complying with the limits prescribed in the policy.
    • Day-Care Treatment: The cover is for treatment or procedures in a hospital where the hospital stay is less than 24 hours.
    • Pre Hospitalization: During 30 days before admission into a hospital, all medical expenses are reimbursed.
    • Post Hospitalization: The medical expenses incurred during 60 days from the discharge date are eligible for reimbursement.
    • Cataract Treatment: The insured is covered for expenses up to lower of 25% of the Sum Insured or Rs 40, 000, whichever is lower, per eye per policy year.  
    • Alternative Treatment: The Insured can avail of AYUSH Treatment with up to full reimbursement of incurred expenses.

    Inclusions of the Edelweiss Arogya Sanjeevani Policy

    The inclusions in the policy have a bearing on the decision to buy Edelweiss Arogya Sanjeevani. Though the premium is extremely affordable, the policy’s inclusion list is not with less coverage:

    • Hospitalization Expenses: All treatment costs are covered under hospitalization with an overnight stay or in a Day-Care facility with a stay of a few hours.
    • Pre and Post Hospitalization Expenses: The cover is for 30 and 60 days, respectively, for all incurred medical outgo.
    • Ambulance Charges: Emergency road Ambulance charges are reimbursed with a monetary cap of Rs.2000 per hospitalization.
    • Other Expenses: Dental treatment and plastic surgery expenses are reimbursed, provided they are essential for the treatment of a disease or accidental injury.   

    Exclusions of the Edelweiss Arogya Sanjeevani Insurance Policy

    The Insured must clearly understand the exclusions in the Edelweiss Arogya Sanjeevani Insurance Policy to obviate future complications in claim settlement.  Accordingly, the indicative list of exclusions is listed below for guidance, but the policy document lists them in greater detail.

    • Initial Waiting Period: Treatment of any illness is not covered in the first 30 days from the commencement of the policy, except for accidental injury.
    • Pre-Existing Disease(PED) Waiting Period: The treatment of these diseases is covered after the expiry of 48 months of continuous coverage from the policy commencement date.
    • Specific Disease Waiting Period: Health insurance policy of Edelweiss GI Co. Limited has prescribed specific ailments for delayed cover after the expiry of 24 / 48 months of continuous coverage.
    • Other Exclusions: A broad spectrum of conditions is not covered by the policy. It is sensible to check the policy document for a detailed list of exclusions.

    Features & Benefits of the Edelweiss Arogya Sanjeevani Policy

    The features and benefits are the essential parameters to study before buying Edelweiss Arogya Sanjeevani policy:

    • The policy tenure is only 1 year, and renewal before the expiry is compulsory for continued coverage.
    • There is a co-payment clause in each claim. The amount is 5% of the admissible claim.  Mandatorily applicable across all ages.
    • The Sum Insured is increased by 5% every claim-free year through a cumulative bonus, which is limited to up to 50% of the Sum Insured.
    • The Insured enjoys tax exemptions for the premium paid during a financial year as per extant laws under the Income Tax Act. 1961.

    Eligibility Criteria

    The minimum eligibility criteria to buy this policy are:

    Minimum Entry Age

    Adult: 18 years  

    Maximum Entry Age

    Adult: 65 years.

    Lifelong policy renewability

    Number of people covered

    · Individual for self, spouse, dependent children, dependent parents, and dependent parents-in-law.

    · Family Floater members can include up to 8 members: Self, spouse, dependent children from 3 months to 25 years of age, dependent parents, and dependent parents-in-law.

    Residential Status

    Residents of India, including citizens, and permanent residents


    Information on Cancellation of the Policy

    The Edelweiss Arogya Sanjeevani Insurance policy can be cancelled by the insured by giving a 15-day notice. The premium refund is governed by the term and conditions prescribed by the Insurer. It is applicable for both offline and online Edelweiss Arogya Sanjeevani Insurance Policy. 

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    Edelweiss Arogya Sanjeevani Plan Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Angoor
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Kush
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Ranveer
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Kushal
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Jitendra
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Rajesh
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Kuvar
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Abhijeet
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
     
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