Edelweiss Health Insurance or family

Key Benefits of Edelweiss Health Insurance for Family

Take a look at the key benefits of buying an Edelweiss Health Insurance plan for a family:

Wide range of sum insured options starting from Rs 1 lakh to Rs 5 crore
No pre-policy medical check-up up to 50 years and/or up to Rs 20 lakh sum insured
No capping on ICU accommodation under some plan variants
No Claim Bonus up to 100% for each claim-free year
Cashless health check-up facilities available every year
Restoration of the sum insured up to 100% once in a policy year
5% & 10% long term discount if opted for 2 years and 3 years policy respectively
5% Edelweiss Customer Discount to existing customers

The following table represents the various Edelweiss Health Insurance plans for families available in the market:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Edelweiss Health Insurance Plan	Silver - 1 lakh to 5 lakh Gold – 5 lakh to 20 lakh Platinum – 15 lakh to 1 crore	Silver – 48 months Gold – 36 months Platinum – 24 months	View Plan
Edelweiss HealthPlus Plan	1 lakh to 5 crore	36 months 48 months (pre-existing critical diseases)	View Plan

Check out the eligibility criteria to buy an Edelweiss Health Insurance plan for a family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days
Maximum Entry Age	No age limit 65 years (Health Insurance Silver & Gold plans)	25 years (HealthPlus plan) 26 years (Health Insurance plan)
No of Family Members Covered	Self, spouse, dependent children, dependent parents and parents-in-law
Renewability	Lifelong

Edelweiss Health Insurance for family comes with the following coverage:

Critical Illness Coverage (under the Health Insurance Silver plan and HealthPlus plan)
Maternity Benefit (under the HealthPlus plan)
Recharge Benefit (excluding the Health Insurance Silver plan)
Worldwide Cover (under the HealthPlus plan)
Pre-existing Disease Waiting Period Reduction (under the HealthPlus plan)
Double Sum Insured for Critical illness (under the HealthPlus plan)

The coverage and optional covers vary as per the Edelweiss Health Insurance plan for a family.

The following coverage is excluded under Edelweiss Health Insurance for family:

Check the entire list of exclusions by going through the prospectus of Edelweiss Health Insurance plans for a family.

Q1. Do I have to pay a co-payment under Edelweiss Health Insurance for family?

Ans: You will have to pay a mandatory co-payment of 20% on all claims if you are above 60 years old under the Edelweiss Health Insurance policy.
Q2. What are the applicable waiting periods under Edelweiss Health Insurance for family?
Ans: Following are the waiting period applicable to Edelweiss Health Insurance plans for families:
- Initial Waiting Period – 30 days
- Specific Diseases/ Procedures Waiting Period – 24 months
- Waiting Period for Diabetes, Hypertension, Cardiac Conditions – 90 days
- Pre-existing Diseases Waiting Period – 24/36/48 months
- Maternity Expenses Waiting Period – 48 months
Q3. What is the maximum discount I can avail under Edelweiss Health Insurance for family?
Ans: A family can earn the following total discount under the Edelweiss Health Insurance plan as per the policy tenure:
- 1-year policy term – 10%
- 2 years policy term – 15%
- 3 years policy term – 20%