Edelweiss health insurance is a well-known name in the Indian insurance market. Founded in 1939, edelweiss has been a dominant brand for health insurance since then. As one of the leading players in the industry, there are lots of aspects to consider before you buy edelweiss health insurance.
What is Edelweiss health insurance?
Edelweiss health insurance is India’s largest private health insurer. It estimate to take a 20 percent market share in the country. It has the largest and most successful claim ratio for any provider in the industry. Edelweiss covers about 85 percent of their premiums with claims, rather than with healthcare expenditure only.
Edelweiss offers health insurance that is usually purchase by companies or large groups of individuals. The premiums are not so expensive, but you only get low-value healthcare services.
What is an Edelweiss health card?
Edelweiss health card is health insurance on its own. Edelweiss has been offering health cards for individuals since its inception in the year 2009. It was the first company to do so, and only recently have companies like Max Medica and Torrent Health started their operations.
The product is an insurance policy that offers full comprehensive coverage of essential healthcare services like medical expenses, hospitalisation, medical emergencies, maternity care, dental care etc.
How does it work?
Edelweiss has two types of health insurance schemes: first, is a health card, which offers a complete health plan toward all kinds of expenses; and then they have expertise plus policy that covers the company. The expertise plus policy covers the employee and their family members who are getting insure by the company.
The policy that was designed by edelweiss in 2009 gives you full coverage for all kinds of medical expenses you may incur over and above the hospitalisation costs. This is done by paying a small premium every year to get access to full healthcare services like prenatal care, delivery charges, maternity benefits, regular check-ups, dental services, etc.
Benefits of Edelweiss health insurance
Paying the premiums is a one-off, which means you don’t have to pay any more if you change your job or decide to opt for only pregnancy care.
The insurance policy will ensure that your hospitalisation is paid for and that you receive full treatment during your stay. Most of the hospitals will credit you for the charges incurred. In case the hospital does not, edelweiss pays for the charges up to a limit that has been decided by edelweiss. This process is called claim settlement.
How do I check the status of my Edelweiss policy?
You can check the status of your policy through the Edelweiss website. You will see two types of information when you log in to your account. The policies that give an insight into your insurance needs. Information relating to reports submitted by doctors regarding treatment. The online portal for Edelweiss gives an insight about the policy to the insured. It helps them choose between the different packages that are available.
You can also request for a claim form which can fill out and sent directly to Edelweiss Insurance. The claim form should have all necessary details like date of birth, address, age limit, etc. So it is easier for them to process your request faster.