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Terms and Conditions
a) I hereby declare, on my behalf and on behalf of the person(s) proposed to be insured, that the abovementioned statements, answers and/ or particulars given by me are true and complete, in all respects, to the best of my knowledge and that I am authorized to propose on behalf of all the person(s) proposed to be insured.
b) I understand that the information provided by me will form the basis of the contract of insurance, is subject to the Board approved underwriting policy of the Company and that the policy will come into force only after full payment of the premium is made by me.
c) I further declare that I will notify, in writing, the Company of any change occurring in the occupation or general health of the person(s) proposed to be insured after this proposal has been submitted but before communication of risk acceptance by the Company.
d) I agree and consent to the Company seeking medical information from any doctor or hospital, who/ which has, at any point of time, attended to the person(s) to be insured, or from any past or present employer concerning anything which affects the physical or mental health of the person(s) to be insured and also to seeking information from any insurance company to which an application for like purpose has been made, for the purpose of underwriting this proposal and/ or claim settlement.
e) I authorize the Company to share information pertaining to my proposal, including the corresponding medical records, for the sole purpose of underwriting and/ or claim settlement and with any governmental and/ or regulatory authority.
f) I hereby declare, on my behalf and on behalf of the person(s) proposed to be insured, that I have fully understood the product features, including its suitability, the contents of this Proposal Form, and all other connected documents significant and incidental to availing an insurance policy from the Company.
g) I agree to receive service related information from Edelweiss General Insurance Company Limited and its service providers from time to time, through electronic and telecommunication modes including WhatsApp, and understand that no unsolicited information will be sent to me.
h) I state that the salient features and terms and conditions of the proposed insurance contract have been explained to me in vernacular language, and I agree to the same.
Stay cover
Add-on
Stay covered for two years, with a policy that’s twice as nice!
There’s a lot we want to say about the Edelweiss Health Insurance Policy, but we’ll start with an amazing add-on called Health 241, which literally means ‘two for one’. Quite simply, if you take your new policy with this add-on, and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year.
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Three Wise Plans
Hospitalisation Expenses
(Up to the Sum Insured)
Room Rent limit per day - Standard Single Private Room
For Sum Insured Rs.3,00,000 & above
No Limit
No Limit
No Capping on ICU charges
Pre and Post Hospitalisation Medical Expenses
(Up to the Sum Insured)
30 / 60 days
60 / 90 days
90 / 180 days
Day Care Treatment
(Up to the Sum Insured)
Ambulance Cover
(Per hospitalisation)
Up to Rs. 1,500
Up to Rs. 3,000
Up to Rs. 10,000
Organ Donor Cover
Up to Rs. 1,00,000
Up to Rs. 2,00,00
Domiciliary Hospitalisation
(Up to the Sum Insured)
Ayush
(Up to the Sum Insured)
No claim bonus
(If you do claim, the No Claim Bonus will reduce at the same rate at which it increases in a claim-free year)
Your Sum Insured goes up by 10% for
every claim-free year up to a
maximum of 50%
Your Sum Insured goes up by 50% for
every claim-free year up to a
maximum of 100%
Your Sum Insured goes up by 50% for
every claim-free year up to a
maximum of 100%
Health Check-Up for every claim-free year
(Policyholders who are 18yrs or above)
Maternity Benefit
Up to Rs. 50,000; with a waiting period of 4 years
Up to Rs. 2,00,000; with a waiting
period of 4 years
Recovery Benefit
(Starts from the day of hospitalisation)
Rs. 1,000 / day from 11th-20th day
Rs. 1,500 / day for 11th-20th day
Shared Accommodation
Rs. 800 / day
upto a maximum of Rs. 4,000
Rs. 1,000 / day
upto a maximum of Rs. 5,000
Rs. 1,200 / day
upto a maximum of Rs. 6,000
Critical Illness Coverage
(Starts from the first time you're diagnosed with a critical illness.)
Your Sum Insured increases by 50%
Your Sum Insured increases by 100%
Restoration - Top it up by 100%
(Top it up by 100%, that is your Sum Insured doubles.)
Critical Illness Coverage
(Starts from the first time you're diagnosed with a critical illness.)
Your Sum Insured increases by 50%.
Included in base plan
Included in base plan
Recharge
(Top it up by 100%, that is your Sum Insured doubles.)
Voluntary Co-payment
(This option is available for ages 60 years and below.)
Voluntary co-payment of
10% or 20% (as opted)
Voluntary co-payment of
10% or 20% (as opted)
Voluntary co-payment of
10% or 20% (as opted)
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Don’t overthink it! No matter
which plan you choose, you will still enjoy:
*PLEASE REFER TO THE POLICY DOCUMENTS FOR MORE INFORMATION
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Some Helpful Documents
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Why Us?
Really, we cover everybody above the age of 3 months. We don't believe that you're ever too old for insurance.
That's right, you can cover yourself, your spouse, up to 3 children or any other relationship having an insurable interest.
Our platinum plan offers cover up to Rs. 1 crore, allowing you to enjoy the maximum possible protection!
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We Won't Play The Claim Game
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless.
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Your Questions Answered
Here's a list of Edelweiss General Insurance network hospitals near you.