Edelweiss HealthPlus Policy

The Edelweiss HealthPlus policy provides comprehensive coverage to the insured against a wide range of medical expenses, including the cost of hospitalization, OPD treatment, maternity expenses, critical illness treatment, accidents, etc. It also comes with some unique benefits, including pandemic disease benefit cover, worldwide cover, surrogacy cover, convalescence benefit, prosthetics cover, etc.

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Edelweiss HealthPlus Policy

*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 HealthPlus Policy: Key Highlights

    Categories Specifications
    Sum Insured Rs 1 lakh to Rs 5 crore
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 5100+
    Incurred Claim Ratio (2020-21) 111.57%
    Pre-existing Diseases Waiting Period 4 years
    3 years (for personal accident cover)
    Co-payment Applicable on OPD expenses
    Discount 5% family discount
    Up to 10% long term discount
    15% online discount
    5% Edelweiss customer discount 

    Benefits of Edelweiss HealthPlus Policy

    Check out some of the most attractive benefits of buying the Edelweiss HealthPlus policy:

    1. Pandemic Disease Benefit Cover

    Policyholders can get an additional sum insured for the treatment of a pandemic disease under this policy.

    2. Cumulative Bonus

    A cumulative bonus of 50% will be granted to the policyholder up to 100% in case no claims are raised in the previous policy tenure.

    3. Restoration of Sum Insured

    In case the sum insured gets exhausted before renewal, the amount will get restored once in the policy year with the restoration cover. The policy also provides the unlimited restoration option on payment of a higher premium amount.

    4. Worldwide Cover

    This policy makes it possible for the insured to avail medical coverage outside India by choosing the worldwide cover option.

    5. Recharge Benefit

    On choosing this cover, the sum insured of the policy will be recharged by 100% once in the policy year in case the existing sum insured is insufficient for coverage.

    6. Convalescence Benefit

    If the insured is hospitalized for more than a certain number of days, then the Edelweiss General Insurance Company will pay a fixed amount under the convalescence benefit cover.

    7. Cashless Hospitalization

    With this policy, the insured can access cashless hospitalization facilities at more than 5100 network hospitals of the insurance company across India.

    8. Medical Assistance Services

    Policyholders can also avail medical assistance services like emergency evacuation, compassionate visits, second medical opinion, etc. within India and abroad as part of this policy.

    9. Tax Benefits

    As per Sec 80D of the Income Tax Act, the premium paid for the Edelweiss HealthPlus policy can be claimed for tax deductions.

    Edelweiss HealthPlus Policy Eligibility Criteria

    Take a look at the eligibility criteria to buy an Edelweiss HealthPlus policy:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Child – 91 days
    Maximum Entry Age Adult – No upper limit
    Child – 25 years
    Coverage Type Individual/ family floater
    No. of Relationships 8 (6 adults and 3 children)
    Relationships Covered Self, spouse, dependent children, dependent parents, parents-in-law
    Renewability Lifetime

    Inclusions of Edelweiss HealthPlus Policy

    The following coverage is included under the Edelweiss HealthPlus policy:

    • In-patient Hospitalization
    • Pre-hospitalization Expenses
    • Post-hospitalization Expenses
    • Day Care Treatment
    • AYUSH Treatment
    • Domiciliary Hospitalization

    Optional Covers:

    • Hospital Cash Insurance 
    • Convalescence Benefit
    • Restoration Benefit
    • Recharge Benefit 
    • Emergency Ambulance
    • Organ Donor Cover

    Special Optional Covers:

    • Unlimited Restoration
    • Worldwide Cover
    • 241 Optional Cover
    • Policy Extension
    • Adventure Sports Cover
    • Prosthetics Cover
    • Reconstructive Surgery
    • Accidental Booster
    • Pre-existing Disease Waiting Period Reduction

    Pandemic Benefit Cover:

    • Pandemic Disease Benefit Cover
    • Home Care Treatment Expenses

    Outpatient Expenses:

    • Outpatient Consultation
    • Outpatient Dental 

    Infertility, Maternity & Baby Care:

    • Maternity Cover
    • Pre-natal and Post-natal
    • Infertility
    • Surrogacy (Surrogate Mother)
    • New Born Baby Cover
    • Vaccination Cover

    Personal Accident Cover:

    • Accidental Death Benefit
    • Permanent Total Disability (PTD)
    • Permanent Partial Disability (PPD)
    • Temporary Total Disability (TTD)

    Critical Illness:

    • Double Sum Insured for Critical Illness
    • Critical Illness Benefit

    Discount Covers:

    • Room Rent Capping
    • Voluntary Co-pay
    • Voluntary Deductible
    • Increase in Pre-existing Disease Waiting Period

    Assistance Services:

    • Medical Referrals
    • Emergency Medical Evacuation
    • Medical Repatriation
    • Compassionate Visit
    • Medical Monitoring
    • Second Medical Opinion
    • Return of Mortal Remains

    Exclusions of Edelweiss HealthPlus Policy

    The following medical expenses are excluded under the Edelweiss HealthPlus policy:

    • Suicide or attempt to suicide
    • Accidental injuries caused while driving under the influence of alcohol/drugs
    • Congenital external diseases
    • Obesity or weight-control treatments
    • Intentional termination of pregnancy
    • Cosmetic or plastic surgery
    • Unproven treatments
    • Dietary supplements

    Edelweiss HealthPlus Policy Waiting Periods

    Take a look at the various waiting periods applicable to Edelweiss HealthPlus policy:

    Category Waiting Period
    Pre-existing Diseases Waiting Period 4 years
    3 years (for personal accident cover)
    Specific Illness Waiting Period 2 years
    Critical Illness Waiting Period 90 days
    Initial Waiting Period 30 days
    Maternity Cover 1 year
    Infertility Treatment  2 years
    Surrogacy 2 years

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