Edelweiss General Insurance to cover quarantined patients under policy cover of covid-19

Edelweiss General Insurance on Monday said its COVID-19 policy cover will be extended to those who are put in quarantine in specified government facilities.

Edelweiss health insurance policy coversCOVID-19, further in view of serious challenges by this pandemic for customers, Edelweiss General Insurance has taken some steps for its customers, it said in a statement.

"We have decided to cover hospitalization for notonly those whohave a confirmed diagnosis but also those who have been quarantined in specific facilities identified by the government.

The coverage amount isup to the sum insured under the policy.

For the quarantined patients, the health policy ensures coverage for the entire period of quarantine withup to100 per cent of the claim amount being paid against quarantine and detection charges, it said.

 

However, if any patient is in a remote location and is unable to reach the hospital during the quarantine period, Edelweiss Health Insurance will support domiciliary hospitalisation for the patient.

The insurer said patients can visit any nearby hospital for immediate treatment and expenses will be reimbursed.

In case of cashless benefits, patients are requested to visit EGI's network hospital with their TPA card for any medical assistance.

"EGI has sought and received approval from IRDAI,allowing waiver ofthe initial waiting period of30 dayspost policy inception,for the first time,for COVID-19 viruscoverage."

This approval will be applicable, both for Edelweiss healthinsurance and Edelweiss group health insurance policies, till such time that the virus is declaredasabated by the Government and/ or WHO, it said further.

The company said it has also introduced a modular product structure under which customers can customize solutions to provide cover against a wide range of illnesses including pandemics and vector-borne diseases, at affordable costs.

Any employer or other existing groupscan customize this for their employees, customers or members.

In the context of Covid-19, this policy cantakecare of hospitalization expenses oftheinsured along with incidental expenses which are not usually covered under a policy, it said.

Small businesses andstart-upscan avail this to provide the much-needed basic accident and health cover to their employees.

Shanai Ghosh, CEO, Edelweiss General Insurance, said, In an unfortunate situation of being detected and testing positive, or suspected and quarantined in a facility specified by the government, we have ensured that at least the cost burden is eased for our customers.