Edelweiss Group Total Protect Policy

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.

Accidental death benefit
Coverage against permanent or temporary total/partial disability due to an accident
Enhances temporary total disability
Losses owing to terrorism
Medical evacuation benefit
In-patient hospitalization
Broken bones coverage
Hospital daily cash benefit
Loss of employment benefit
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!

Table of Contents

1 Features and Benefits of Edelweiss Group Total Protect Policy in Detail
2 Edelweiss Group Total Protect Policy Eligibility Criteria
- 2.1 People Also Read

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-

Loss of sight of both eyes
Loss of, by physical separation of two entire hands or two entire feet
Loss of one entire hand and one entire foot
Loss of sight of one eye and such loss of one entire hand or one entire foot
Complete loss of hearing of both ears and complete loss of speech
Complete loss of hearing of both ears and loss of one limb/loss of sight of one eye
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 Covered	Percentage of Sum Insured
Loss of All Toes	20
Great both phalanges	5
Great - One phalanx	2
Other than great if more than one toe lost each	1
Loss of hearing in both ears	75
Loss of hearing in one ear	30
Loss of four fingers and thumb of one hand	40
Loss of four fingers	35
Loss of thumb - Both phalanges	25
One phalanx	10
Loss of Index finger - Three phalanges	10
Two phalanges	8
One Phalanx	4
Loss of ring finger -three phalanges	5
Two Phalanges	4
One Phalanx	2
Loss of little finger - Three phalanges	4
Two Phalanges	3
One Phalanx	2
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 Benefits	Detail
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 Costs	INR 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 - Domestic	INR 5,000 - 25,00,000 or 1% of the sum insured (SI) up to 100% of SI
In-patient Accidental Hospitalization - Worldwide	INR 5,000 - 75,00,000 or 1% of the sum insured (SI) up to 100% of SI
Broken Bones coverage	Option 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 Benefit	Up to INR 5,000 per day (for 1 to 30 days of hospitalization as chosen by the policyholder)
Family Transport Benefit/ Compassionate Visit	Assistance part or up to the sum insured (from INR 1,000 to 10,000 per day)
Child Enhancement Benefit	Double the basic sum insured
Loss of Employment Benefit	Option 1 (Sum Insured Limit) - INR 5,000 to 50,000 per month Option 2 (Benefit per month) - 1 to 9 months
Reconstructive Surgery Benefit	INR 25,000/ 50,000/ 1,00,000/ 2,00,000 or 3,00,000
Parental Care Benefit	10-100% of sum insured
Purchase of Blood	Up to INR 10,000
Out-patient Expenses / Emergency Room/Casualty Expenses - Domestic	Up to 50,000 per year ( Accidental Outpatient or Accident & Sickness Cover)
Out-patient Expenses / Emergency Room/Casualty Expenses - Worldwide	Sum insured options ranging from INR 1,000 to 5,00,000 per year
Emergency Air Ambulance Charges	INR 50,000 to 20,00,000 per event
Cost Support Items	INR 500 to 10,000 (in multiples of INR 500)
Critical Illness Benefit	Sum insured option ranging from INR 10,000 to 1 crore up to 25 critical illnesses
Education Benefit	INR 25,000 to 3,00,000 per year (1 to 5 years)
Multiple Member Disability	Up to 100% of the sum insured