Edelweiss General Insurance

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As one of India’s most prominent groups, providing financial services, Edelweiss offers a wide range of products, that cater to a substantial client base which includes corporates, institutes as well as individuals.  The company with over 1.2 million clients, has a network of 476 offices with over 11,000 employees. 

Edelweiss General Insurance makes the process of insurance simple and easy-to-understand. The company understands the pulse of the customer’s insurance needs and offers products that protect the policyholder and his family. The company offers:

  1. Edelweiss Car Insurance
  2. Edelweiss Two-Wheeler Insurance
  3. Edelweiss Health Insurance
  4. Edelweiss Home Insurance
  5. Edelweiss Loan protection
  6. Edelweiss Fire Insurance
  7. Edelweiss Engineering Insurance
  8. Edelweiss Marine Insurance
  9. Edelweiss Commercial Insurance
     

Let us discuss these in detail

         A.   Edelweiss Car Insurance Plans

For every motorised vehicle that runs on the Indian roads, it is compulsory to have an insurance policy. Motor insurance can be further classified into the following categories:

  • Edelweiss Private Car Liability Only Insurance
    Also called, Third-party Liability Car Insurance Policy, it is the most basic kind of insurance. It is mandated by the Indian Motor Act. However, in case of an accident, this plan will only cover third-party people and their property. The damages to your car will not be covered. 
  • Edelweiss Private Car Package Insurance
    This plan is also called Third-Party + Own Damage. It provides coverage for your injuries, damages to your car and the damage your car causes to others. 
  • Edelweiss SWITCH – Driver Based Insurance
    With this kind of insurance, you pay only for the days that you choose to cover your vehicle. It helps you save on premium, as you can cover up to 3 vehicles on one policy. 
  • Add-On Covers available:
    • NCB Protect
      This add-on cover ensures that your NCB stays intact even if you make a claim.
    • Depreciation Protect
      With this add-on,  you can nullify the losses that occur due to depreciation on the parts of the car.
    • Consumables Expenses Protect
      If you buy this cover, you will be covered for expenses on nuts and bolts, engine oil, lubricants etc.
    • Engine Protector Cover
      When the damage is not because of an accident, this add-on will offer coverage for repairs of the engine. 
    • EMI Protect
      When your car is in the garage for repair for over 15 days, a maximum compensation of up to 3 EMI’s of your car will be paid by the company. 
    • Keys and Lock Protect
      If you lose your car keys or they get stolen, the company would cover the cost of the repair/replacement.
    • Personal Belongings Protect
      When your car suffers damage, personal belongings such as clothes, audio/videotapes, laptops (when stolen) etc. will be covered.
    • Tyre Protect
      A cut or damage to the tyre, a bulge or a puncture will be covered by the company.
    • Invoice Value Protect
      In case your car goes for total loss or gets stolen, despite the IDV, you will receive the invoice value.
    • Mandatory Deduction Protect
      You will be covered towards bearing the compulsory deductible amount.
    • Roadside Assistance
      For emergency repair due to mechanical or electrical breakdown, accidental immobilization, flat tyre, dead battery etc, you can get in touch with the company and it would be arranged.

       

         B.   Edelweiss Two-Wheeler Insurance Plans

 

  • Edelweiss Private Two-Wheeler Liability Only Insurance
    As discussed above, liability-only is the most elementary kind of two-wheeler insurance. It is compulsory insurance by the Indian Motor Act, 1988 and has the lowest premium, which is regulated by the IRDA. When you buy a third-party cover for your two-wheeler, in case of an accident, the insurance will only cover third-party people and their property. The damage to your two-wheeler/ bike would not be covered. 
  • Edelweiss Private Two-Wheeler Package Insurance
    With Edelweiss Private Two-Wheeler Package Insurance plan, you can cover the third-party liabilities along with the own damages. In simple words, it provides coverage for your injuries, damages to your bike and the damage your bike causes to others. Under own-damages, the damages that are caused due to the following will be covered:
    • Theft/ robbery
    • Natural and Man-Made disasters
    • Accidental collision 
    • Self-ignition
    • While in transit.

       
  • Add-On Covers available
Depreciation ProtectPilion ProtectAdditional Third Party Property Damage Protect
Invoice Value Protect

Emergency Medical Expenses Protect


 

Consumable Expenses Protect

         C.    Edelweiss Health Insurance Plans
In today’s times, any kind of treatment in a good hospital can bring serious damage to your savings. Therefore, having the right health insurance policy is nothing short of a basic necessity. Let’s take a look at the various advantages of Edelweiss Health Insurance:

  • You can cover 8 people in one policy
  • Avail of up to 25% of discounts on your premium when buying Corona policy
  • Cover for every member of your family
Plan Benefits of the Plan

Edelweiss  Health Insurance plan


 

Variants

Silver- Cover up to INR 5 lakhs

Gold- Cover up to INR 20 lakhs

Platinum- Cover up to INR 1 crore

  • Covers pre and post hospitalisation expenses
  • Covers ambulance charges
  • AYUSH treatments are covered
  • Free health check-ups after every claim-free year for all adult insured members
  • Maternity benefits after a 4 year waiting period

Edelweiss COVID Health Care

  • Corona Kavach
  • Corona Rakshak
  • Standard health insurance policies
  • COVID-19 specific plans
  • Immediate cover soon after diagnosis
Aarogya Sanjeevni 
  • Standard health insurance policy
  • Covers in-patient AYUSH treatments
  • Cumulative bonus
  • 5% co-payment mandatory

ADD-ON

Edelweiss 241 (Two For One) 


 

Variants

Silver- Cover up to INR 5 lakhs

Gold- Cover up to INR 20 lakhs

Platinum- Cover up to INR 1 crore

  • Sum Insured ranges from INR 5 lakhs to INR 1 crore
  • No capping on ICU Charges
  • No Claim bonus up to 100% of the sum insured
  • Covers AYUSH treatments
  • Organ donor
  • Health check-Ups for every claim-free year
  • Day-Care procedures of listed treatments up to Sum Insured
  • Critical illness Cover
  • Additional benefits available

ADD-ON

Edelweiss New Born Care 

 3 Variants-

  • Silver
  • Gold
  • Platinum


 

  • Covers new born baby of the insured member from 1st day


 

Edelweiss Insurance Premium Payment Process  

 

The premium is paid, generally, on an annual basis. However, depending on the kind of insurance policy selected, your payments could be monthly/ quarterly/ bi-yearly as well. Remember to pay all your dues on time.

For paying the premium, you can choose any of the following 2 methods:

  1. Online Payment Process
    Visit the official website, select the plan and make the payment through any of the electronic mediums available such as - Credit cards/ Debit cards/ Net banking/ UPI Payments.

     
  2. Offline payment process
    You can pay the premium by visiting the branch office. Keep in mind that the premiums will be accepted through cheque/ Demand Draft or an electronic medium. 

Edelweiss Insurance Renewal Process

Renewing an insurance policy becomes very easy and convenient when done online as it saves time as well as effort. Make sure you renew your policy before the current one expires to avail the benefits without any break. 

  • Edelweiss Motor Insurance Plans

You need to login to the company website or click https://www.edelweissinsurance.com/web/motor/motor-renewal. Enter your policy details and date of birth, your renewal details will be shown to you, you can pay the premium through an electronic medium and renew your policy. 

  • Edelweiss Health Insurance Plans

You need to login to the company website or click https://www.edelweissinsurance.com/health-renewal/-/section/health-home. Enter your policy details and date of birth, your renewal details will be shown to you, you can pay the premium through an electronic medium and renew your policy. 

Edelweiss Insurance Renewal of Expired Policy

It is highly recommended that you renew your policy before it expires, as you would not be able to fetch any benefits of your policy thereafter. 

  • Edelweiss Motor Insurance Plans

You need to get in touch with the company customer care and raise a request for a company surveyor. This surveyor will come to assess your vehicle. If the renewal is approved, you would receive a link from the company to renew the policy. You can pay the premium through an electronic medium and renew your policy. 

  • Edelweiss Health Insurance Plans

When your health insurance policy expires, it enters the 30-day grace period. During this you must renew the policy, however, you should renew before it expires. Depending on the delay, the kind of plan you have and your age a screening test may or may not be required. 

Edelweiss Insurance Claim Process

The company promises a quick claim procedure that requires minimum effort on your part. To raise a claim you can either call on the helpline 1800 12000 or inform the company via email, support@edelweissinsurance.com  

  1. Motor Insurance
    You can download the claim form by clicking on this link: https://www.edelweissinsurance.com/documents/20143/1343850/Motor+Claim+Form+-EGICL.PDF/1de7e2cf-ce92-ac3d-4d11-bd1ea0c3fb6b?t=1591343217365 
    1. Cashless Claims
      In case of cashless claims, your repair costs would be directly settled by the company at the network garage, after your vehicle is assessed by the company surveyor.
    2. Reimbursement Claims
      After getting your car repair at a non-network garage, you can submit all the bills and receipts and get a reimbursement.

       
  2. Health Insurance
    You can download the claim form by clicking on this link: https://www.edelweissinsurance.com/documents/20143/1288131/Claim.zip/b8662514-d8cd-b1f4-7cc8-d73dc78a6689 
    1. Cashless Claims
      In case of cashless claims at a network hospital, the treatment costs would be directly settled by the company. 
    2. Reimbursement
      After hospitalisation at a non-network hospital, you can submit all the medical bills and reports and get a reimbursement for the expenses that you have incurred. 

       

Edelweiss General Insurance Company Limited Company Profile

With Edelweiss General Insurance, you can protect yourself, your family,  your home and your finances. The simple and easy-to-understand general insurance processes make buying and claiming your policy hassle-free and convenient. Over the last 2 decades, the homegrown multinational corporation has touched the lives of millions of people. With an Incurred Claim Ratio of 123% in the financial year 2018-19, the company is carving its way to the top. 

Customer Care Details

Official Websitehttps://www.edelweissinsurance.com 
Email IDsupport@edelweissinsurance.com 
Toll-Free Number1800 12000
Company Address 5th Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400 070
FAQs
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  • Registration No. 700. Valid till 16/02/2023
  • CIN - U66000DL2019PTC355671