Zuno Edelweiss Health Insurance
Cashless Approval TAT | Within 30 minutes |
Claim Settlement Ratio | 95% |
Network Hospitals | 12,500+ |
PED Waiting Period | 3 years |
Special Benefits | Cash Advance for Reimbursement Claims |
Starting Premium for 5 lac SI | Rs. 548/month |
About Zuno Edelweiss Health Insurance
Edelweiss Health Insurance is a comprehensive health insurance policy. It covers medical expenses incurred in pre and post-hospitalisation, inpatient treatment due to an illness, disease, accident or even critical illness. The policy has 3 variants: Silver, Gold and Platinum. The Silver plan is available with Rs. 1 Lakh up to Rs. 5 Lakh sum insured, the Gold Plan from Rs. 5 Lakh up to Rs. 20 Lakh sum insured and the Platinum Plan from Rs. 15 Lakh up to Rs. 1 Crore sum insured.
The Edelweiss Health Insurance can protect you and your loved ones, including self, spouse, dependent children, dependent parents, sister, brother, dependent parents-in-law, grandfather, grandmother or any other relationship who has an insurable interest. The policy covers a maximum of 8 members.
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Key Inclusions and Exclusions of the Plan
What's Included
- Inpatient hospitalisation for room, medicines, doctor’s fee, etc. up to the sum insured
- Pre-hospitalisation for Silver 30 days, Gold 60 days and Platinum 90 days before hospitalisation
- Expenses incurred on daycare treatment through cashless or reimbursement
- Charges of the emergency ambulance for necessary transportation of the patient
- Expenses related to organ donor up to a specified amount
- Post-hospitalisation for Silver 60 days, Gold 90 days, Platinum 180 days after discharge
What's Not Included
- Any item or condition or treatment specified in the list of non-medical items
- Expenses incurred on the external prosthesis, corrective devices, focused ultrasound, etc.
- Any treatment related to acupuncture, acupressure, magnetic and other therapies
- Any condition directly or indirectly associated with STDs, AIDS/HIV, etc.
- Medical expenses incurred on newborn /children below the age of 91 days
- Plastic surgery or cosmetic surgery or related treatment of any description
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Zuno Edelweiss Health Insurance Expert Review
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Major Attractions
Edelweiss Health Insurance is not just a tax-saving instrument, but it also provides adequate medical cover. It lets you reap sizeable benefits of good health, including inpatient treatment, pre-hospitalisation, post-hospitalisation, daycare treatment, AYUSH cover, health check-up and much more. On top of that, the policy is power-packed with many other benefits, including:
- Inpatient hospitalisation, including room, medicines, doctor’s fee, etc. up to the sum insured
- Maternity benefits through cashless or reimbursement facility up to the amount specified
- Lawful or medically necessary termination of pregnancy
- Hospital cash benefits up to a maximum of 7 days of hospitalization
- Cover for critical illnesses, like Coronary Artery Bypass Graft, Cancer, Heart Attack, Stroke, Permanent Paralysis of Limbs
- Reimbursement for occupying a shared accommodation for a minimum of 24 hours hospitalization
- An indemnity to cover the expenses of hospitalization for Bariatric Surgical Procedure
- In-built Assistance Services, such as emergency medical evacuation, medical repatriation, medical monitoring, second medical opinion, etc.
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What’s More?
Edelweiss Health Insurance has been designed keeping in mind the primary needs of the policyholder at the time of emergency. What’s more, the policy has in store some additional features to offer, such as:
- Guaranteed lifetime policy renewability
- 15 days free look period to cancel the policy
- Dedicated claim settlement support team
- Tax saving under Section 80D of the Income Tax Act
- No Claims Bonus of up to 50% for every claim-free year in Silver Plan, and up to 100% in Gold and Platinum plans
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Conclusion
With so many benefits and features, Edelweiss Health Insurance serves as a true companion during ill-hours. This plan is suitable for anyone, be it men, women, children, senior citizens, including others suffering from critical illnesses. It provides massive coverage at a price that doesn’t break your bank.
If you’re willing to buy Edelweiss Health Insurance policy online without any delay, purchase it right at InsuranceDekho. InsuranceDekho provides quality before sales and after-sales support to its customers, which is a sigh of relief at the time of medical emergency.
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FAQs on Edelweiss Health Insurance Health Insurance Plan
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Is pre and post-hospitalisation cover allowed under the Edelweiss Health Insurance policy?
Yes, pre and post-hospitalisation covers are allowed under the Edelweiss Health Insurance policy.
- Pre-hospitalisation: Silver Plan (30 days ), Gold Plan (60 days ), Platinum Plan (90 days )
- Post-hospitalisation: Silver Plan (60 days ), Gold Plan (90 days ), Platinum Plan (180 days )
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What are the Sum Insured options of Edelweiss Health Insurance policy?
The Edelweiss Health Insurance policy comes with a wide range of sum insured options:
- Silver Plan: Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, and Rs. 5 Lakh
- Gold Plan: Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh
- Platinum Plan: Rs. 15 Lakh, Rs. 20 Lakh, Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 Crore
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What are the conditions on ‘No Claim Bonus’ (NCB) under the Edelweiss Health Insurance policy?
- In the Silver plan, the sum insured goes up by 10% for every claim-free year. The maximum is up to 50%
- In the Gold and Platinum plan, the sum insured increases by 50% for every claim-free year up to a maximum of 100%
In case you raise a claim, then the NCB gets reduced at the same rate at which it goes up in a claim-free year.
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What is the term period of the Edelweiss Health Insurance policy?
You can buy the Edelweiss Health Insurance policy for 1 year, 2 years or 3 years.