Edelweiss Tokio CritiCare Plus is Non- Linked, Non- Participating Critical Illness Plan. CritiCare + covers you from major 17 Critical Illnesses. Here we have given the Edelweiss Tokio Life Critical Illness Plan Key Features, Benefits, Eligibility and other details.
Edelweiss Tokio Life Critical Illness Plan
Edelweiss Tokio CritiCare Plus is a Critical Illness Plan. With Edelweiss Tokio CritiCare +, you can be protected against 17 Critical Illnesses. Policy Holder gets a lump sum benefit on the diagnosis of Critical Illness. You can claim up to three times during the policy term under the Multiclaim option under this plan. Policy Holder can also get a waiver of future premiums after the first claim. And they stay protected until the end of the policy term. The Unique Identification Number of Edelweiss Tokio CritiCare Plus Policy is UIN No: 147N030V01.
Why Edelweiss Tokio Life Insurance?
Edelweiss Tokio Life Insurance, realise that Customer needs are more important than anything else. They always understand your needs first before offering any advice or even an insurance solution. They first Understood your needs then evaluated against your future goals. So that Edelweiss Tokio Life Insurance can ensure that they can offer you the best option suited to your needs.
Why Edelweiss Tokio Life – CritiCare+?
Edelweiss Tokio Life – CritiCare+ is a non – participating, non – linked critical illness plan. It covers a genuinely wide range of 17 critical illnesses. Nowadays we are facing many Heath problems due to the change of Food, Climate and other reasons. In case you are dealing with the sudden critical illness, your family have to spend money for your treatment. If you buy CritiCare Plus Plan, they will give required support to your family to manage your health care payments. Under the multiclaim option, Policy Holder can also make claims up to 3 times during the policy term. In case you face any other Critical Illness from the different group. They also ensure that the future premiums are waived after the first claim. So that Policy Ensured can continue to get the benefit of protection for your family.
Why Critical Illness Plan?
Today’s fast – Forwarding world technology, is making many advances. But Every Person has facing stress problems due to work tensions, Family Tensions, etc. That Stress was leading to met you many critical illnesses such as heart attack or cancer. A critical illness may reduce your ability to Work and also pressure on the medical expenses involved. Hence you have to think wise and protect your family from financial Problems. Edelweiss Tokio Critical Illness Plan is the solution to help you ensure that you and your family.
Edelweiss Tokio CritiCare+ Features and Benefits
Features and Benefits of Edelweiss Tokio CritiCare+ Plan are mentioned here.
Key Features of CritiCare Plus Policy
- Edelweiss Tokio Criticare Plus can Stay protected you against 17 Critical Illness.
- Get lump sum benefit on the diagnosis of Critical Illness.
- You can claim three times during the policy term under Multiclaim option.
- Get discounts for higher Sum Assured.
- Simplified benefit design for the better understanding of the product.
- Get tax benefits for premium and claim amount.
Benefits of CritiCare Plus
The Edelweiss Tokio Critical Illness Plan offers two claim options.
- Single Claim Option.
- Multi – Claim Option.
The Ensured can get the Following Benefits from the Edelweiss Tokio Critical Illness Plan.
Critical Illness Benefit:
Edelweiss Tokio Critical Illness plan provides Hospitalization expenses for 17 Critical Illness during the policy term. Edelweiss Tokio CritiCare + plan pays Sum assured as a Lump Sum amount in case of diagnoses.
The 17 Critical Illness are classified into 4 Groups.
| Group 1
Open Chest CABG. First Heart Attack – of Specified Severity. Open Heart Replacement OR Repair of Heart Valves. Kidney Failure Requiring Regular Dialysis. Major Organ Transplant (Heart, Kidney). Stroke Resulting in Permanent Symptoms. Aorta Surgery. |
Group 2
Aplastic Anaemia. Benign Brain Tumour. Cancer of Specified Severity. Major Organ Transplant (Liver, Bone Marrow, Lung, Pancreas). |
| Group 3
Permanent Paralysis of Limbs. Coma of Specified Severity. Major Burns. Total Blindness. |
Group 4
Motor Neurone Disease with Permanent Symptoms. Multiple Sclerosis with Persisting Symptoms. |
Maturity Benefit:
There is no Maturity Benefit is Payable.
Death Benefit:
There is no Death Benefit is Payable.
Survival Benefit:
There is no Survival Benefit Payable under this plan.
Edelweiss Tokio CritiCare Plus Plan Eligibility Conditions
| Eligibility | Conditions |
| Entry Age |
|
| Maturity Age | 70 years |
| Sum Assured |
|
| Policy Term |
|
| Premium | Rs 2,000 |
| Premium Payment Term | Regular pay |
| Premium Payment Modes |
|
| Initial Waiting Period | 90 days |
| Survival Period | 28 days |
| Waiting Period between claims | 365 days |
Initial Waiting Period:
The Right for critical illness will only be accepted if the disease has occurred after the expiry of 90 days from the date of issue/date of revival of policy.
Survival Period:
The Life Ensured should survive for 28 days from the time of confirmed diagnosis of the Critical Illness. The diagnosis is confirmed once it is established through medical tests or is certified by a doctor.
Waiting Period between claims:
The standing period between claims is the minimum expected time between two critical illness incidences for Multiclaim option.
Extra Benefits Available
| Sum Assured | 5-19 | 20-24 | 25-29 | 30 |
| 5,00,000 – 9,99,000 | Rs. 140 | Rs. 150 | Rs. 155 | Rs. 160 |
| per 1,00,000 Rs sum assured exceeding 5 lakh | ||||
| 10,00,000 – 24,99,000 | Rs. 70 | Rs. 73 | Rs. 78 | Rs. 83 |
| per 1,00,000 Rs sum assured exceeding 10 lakh | ||||
| 25,00,000 and above | Rs. 140 | Rs. 145 | Rs. 150 | Rs. 160 |
| per 5,00,000 Rs sum assured exceeding 25 lakh | ||||
Edelweiss Tokio Critical Illness Insurance Plan Premium Calculator
The following data required to calculate the Premium for the Edelweiss Tokio CritiCare Plus Plan.
- Name of the Policyholder.
- Mobile Number.
- Date of Birth.
- Email Id
- Annual Income.
- Location.
Buying Process of Edelweiss Tokio Health Policy
The Policy Ensured have the following Documents To buy an Edelweiss Tokio Health Insurance Plan. The People can buy this plan in two ways.
- Online.
- Offline.
Buying Process Through Offline
The Policy Holder can obtain by the Policy through the Following Ways.
- Through Agent.
- Visit the Nearest Edelweiss Tokio Branch.
- Contact Edelweiss Tokio.
In general to buy a policy the documents required are
- Name.
- Address Proof.
- Medical Certificate.
- Age Proof,
- Proposal Form/ Application form. etc.
Edelweiss Tokio CritiCare + Claim Process
Family Members can claim for Edelweiss Tokio Criticare Plus plan after the diagnosis of the policyholder. The documents required to claim CritiCare Plus Plan. The general documents necessary for the claiming process are
- NEFT form.
- Policy bond.
- Cancel check or Bank Passbook xerox.
- Discharge form.
- Death certificate.
Edelweiss Tokio Criticare + Insurance Plan Other Details
Grace Period:
If the Life Insured is unable to pay the premium within due date, the company will extend the time to pay the premium is known as a grace period. Edelweiss Tokio CretiCare Plus Plan has a grace period of 30 days from the Due Date.
Revival:
If the Policyholder does not pay premiums within the grace period, the policy will lapse. The policy may be revived within two years from the date of the first unpaid premium.
Surrender Value:
There is no Surrender Policy under this Plan.
Free Look Period:
In case the Life Insured was not satisfied with the terms and conditions of the plan can send the Request to the Company within 30 Days from the Date of receipt of the Policy called as Free Look Period. Then the Company will refund the Premiums Paid to the Policy Holder.
Policy Lapse: If the Life Ensured is unable to pay the premium within the grace period the policy will lapse. In this case, there are no benefits will be payable under this lapsed policy.
Suicide Clause:
If the life insured, whether sane or insane, commits suicide, within one year from the date of the policy or the time of revival. Then the policy shall be void, and 80% of the premiums received will be payable, provided the policy is in force on the date of death.
Critical Illness Exclusions
- Any dangerous disease or its signs or symptoms having occurred within 90 days of policy issue date.
- Unreasonable failure to seek or follow medical advice.
- The existence of any Sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus (HIV).
- Self-inflicted damages, attempted suicide, insanity, and immorality, and conscious participation of the life insured in an illegal or criminal act.
- Use of intoxicating drugs /alcohol /solvent, taking of drugs except under the direction of a qualified medical practitioner.
- Radioactive contamination due to the nuclear accident. Etc.
List of 17 Critical Illnesses covered by the Edelweiss Tokio Life Insurance
- Open Chest CABG.
- First Heart Attack – of Specified Severity.
- Open Heart Replacement OR Repair of Heart Valves.
- Kidney Failure Requiring Regular Dialysis.
- Major Organ Transplant (Heart, Kidney).
- Stroke Resulting in Permanent Symptoms.
- Aorta Surgery
- Aplastic Anaemia.
- Benign Brain Tumour.
- Cancer of Specified Severity.
- Major Organ Transplant (Liver, Bone Marrow, Lung, Pancreas)
- Permanent Paralysis of Limbs.
- Coma of Specified Severity.
- Major Burns.
- Total Blindness.
- Motor Neurone Disease with Permanent Symptoms.
- Multiple Sclerosis with Persisting Symptoms.
Furthermore, details regarding the Policy Download the Edelweiss Tokio Life CretiCare + Plan Broucher.