Group Insurance 512 views May 25, 2021

Edelweiss Group Total Protect Policy provides policyholders the coverage against accidental death and disability (permanent or temporary) according to the chosen sum insured option. This policy from Edelweiss Group also has additional features such as in-patient hospitalization coverage, burns benefit, broken bones, hospital daily cash benefit, compassionate benefit, etc.

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Let’s check the key features of the Edelweiss Group Total Protect Policy mentioned below so that you can get an idea about the plan.

  1. Accidental death benefit
  2. Coverage against permanent or temporary total/partial disability due to an accident
  3. Enhances temporary total disability
  4. Losses owing to terrorism
  5. Medical evacuation benefit
  6. In-patient hospitalization
  7. Broken bones coverage
  8. Hospital daily cash benefit
  9. Loss of employment benefit
  10. A 15-day free look period

On this page, we will discuss the key features of the Group Total Protect Policy along with its eligibility criteria to understand this plan better. Keep reading to know more!

Features and Benefits of Edelweiss Group Total Protect Policy in Detail

We are showing the features and benefits of the Edelweiss Group Total Protect Policy below. Please check!

Sum Insured Options

Edelweiss Group Total Protect Policy provides different sum insured options with a minimum of INR 25,000 and a maximum of INR 50,00,00,000.

Accident Benefit

If a policyholder suffers an accidental bodily injury due to an accident (during the policy term) and it results in the death of the insured person within 365 days from such accident, this policy will pay a sum insured to the nominee.

In case of a permanent total disability from an accidental bodily injury during the policy period, the policy will pay 100% of the sum insured for the following-

  1. Loss of sight of both eyes
  2. Loss of, by physical separation of two entire hands or two entire feet
  3. Loss of one entire hand and one entire foot
  4. Loss of sight of one eye and such loss of one entire hand or one entire foot
  5. Complete loss of hearing of both ears and complete loss of speech
  6. Complete loss of hearing of both ears and loss of one limb/loss of sight of one eye
  7. Complete loss of speech and loss of one limb/loss of sight of one eye

Coverage Against Permanent Partial Disability

This policy also provides a certain percentage of the sum insured (depending on the extent of loss due to an injury) to the policyholder in case of a permanent partial disability due to an accident. To know more, check the below table.

Losses CoveredPercentage of Sum Insured
Loss of All Toes20
Great both phalanges5
Great - One phalanx2
Other than great if more than one toe lost each1
Loss of hearing in both ears75
Loss of hearing in one ear30
Loss of four fingers and thumb of one hand40
Loss of four fingers35
Loss of thumb - Both phalanges25
One phalanx10
Loss of Index finger - Three phalanges10
Two phalanges8
One Phalanx4
Loss of ring finger -three phalanges5
Two Phalanges4
One Phalanx2
Loss of little finger - Three phalanges4
Two Phalanges3
One Phalanx2
Loss of metacarpus - first or second (additional)3
Third, fourth or fifth (additional)2

Additional Benefits

Edelweiss Group Total Protect Policy also provides additional benefits to policyholders. We are mentioning them in the below table. Please check!

Optional BenefitsDetail
Enhanced Temporary Total Disability (for 1 month to 1 year)INR 1,000 to 5,00,000 per month or actual salary/income (whichever is less)
Cremation/Funeral CostsINR 5,000 per person per policy term
Medical Evacuation Benefit (Domestic & Worldwide)Assistance part and with sum insured option as per the basic sum insured
In-patient Accidental Hospitalization - DomesticINR 5,000 - 25,00,000 or 1% of the sum insured (SI) up to 100% of SI
In-patient Accidental Hospitalization - WorldwideINR 5,000 - 75,00,000 or 1% of the sum insured (SI) up to 100% of SI
Broken Bones coverageOption 1: Up to 10% of SI or INR 50,000
Option 2: Up to 20% of SI
Option 3: Up to 25% of SI
Option 4: 100% of SI
Hospital Daily Cash BenefitUp to INR 5,000 per day (for 1 to 30 days of hospitalization as chosen by the policyholder)
Family Transport Benefit/ Compassionate VisitAssistance part or up to the sum insured (from INR 1,000 to 10,000 per day)
Child Enhancement BenefitDouble the basic sum insured
Loss of Employment BenefitOption 1 (Sum Insured Limit) - INR 5,000 to 50,000 per month

Option 2 (Benefit per month) - 1 to 9 months
Reconstructive Surgery BenefitINR 25,000/ 50,000/ 1,00,000/ 2,00,000 or 3,00,000
Parental Care Benefit10-100% of sum insured
Purchase of BloodUp to INR 10,000
Out-patient Expenses / Emergency Room/Casualty Expenses - DomesticUp to 50,000 per year ( Accidental Outpatient or Accident & Sickness Cover)
Out-patient Expenses / Emergency Room/Casualty Expenses - WorldwideSum insured options ranging from INR 1,000 to 5,00,000 per year
Emergency Air Ambulance ChargesINR 50,000 to 20,00,000 per event
Cost Support ItemsINR 500 to 10,000 (in multiples of INR 500)
Critical Illness BenefitSum insured option ranging from INR 10,000 to 1 crore up to 25 critical illnesses
Education BenefitINR 25,000 to 3,00,000 per year (1 to 5 years)
Multiple Member DisabilityUp to 100% of the sum insured

Edelweiss Group Total Protect Policy Eligibility Criteria

Do check the conditions related to the Total Protect Policy eligibility criteria mentioned below.

  1. The minimum age at entry stands at 18 years with no upper limit.
  2. The policy can be issued for 1 hour to 365 days. In the case of a loan or credit-linked policies, the policy term can be up to 5 years.

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