Medical expenses can deplete your savings, even for minor ailments. Having a comprehensive health insurance plan is paramount. Recognizing the escalating healthcare costs, ZUNO Health Insurance has introduced multiple health insurance schemes tailored to address varied needs, including coverage for life-threatening conditions. Their offerings ensure individuals can select a plan that aligns with their specific requirements.
A subsidiary of the ZUNO Group, ZUNO General Insurance (formerly known as Edelweiss General Insurance) Company Limited, operates as a prominent player in the Indian insurance sector. The company also facilitates a seamless policy purchase process and claims processing. Their commitment extends to a dedicated customer service team.
More About ZUNO Health Insurance Plans
ZUNO Health Insurance offers various plans to choose from, catering to different financial requirements and health concerns. Whether you seek coverage of ₹3 lakh to ₹1 crore, their plans offer a robust shield against medical expenses, ensuring you receive the necessary financial support in times of need.
With ZUNO Health Insurance, you can opt for the coverage that best suits your peace of mind and financial security. Here is a table below to help you select a suitable ZUNO Health Insurance plan that meets your coverage needs:
| Plan Name | Type | Min. Age | Max. Age | Min. Coverage | Max. Coverage |
| ZUNO Health Insurance Plan | Individual/Family | 3 months | None | ₹ 1 lakh | ₹ 1 Crore |
| ZUNO Top Up Insurance Plan | Top Up | 91 days | None | ₹ 1 lakh | ₹ 5 Crore |
| ZUNO Health Plus Policy | Family | 91 days | None | ₹ 1 lakh | ₹ 5 Crore |
Benefits & Features of ZUNO Health Insurance
- Age-inclusive coverage
ZUNO Health Insurance extends its coverage to applicants above the age of 3 months. This inclusive approach ensures individuals of different age groups can access the protective shield of health insurance without concerns about age limitations.
- Family-focused coverage
Families can benefit from ZUNO’s health insurance plans by covering a maximum of 8 members. This includes the policyholder, spouse, up to 3 children, and other relatives as permissible in the chosen plan.
- Universal Benefits Across Plans
The insurer extends universal benefits regardless of the chosen plan. These include medical monitoring cover, medical repatriation, medical referral cover, compassionate visit, etc.
Why Should You Choose ZUNO Health Insurance?
ZUNO Health Insurance offers plans that balance robust coverage with affordability. When considering this insurer, several factors contribute to its appeal.
- The plans are tailor-made to provide maximum protection to insured members while ensuring affordability.
- The coverage extends to customary and reasonable charges incurred for healthcare treatment during the policy term. This includes expenses related to injuries, illnesses, or any other medical condition covered in the chosen plan.
- For members above the age of 60 years, the insurer applies a co-payment of 20%. This age-sensitive provision ensures a fair and transparent approach to sharing healthcare expenses.
- The company also allows for mid-term inclusion in the policy in cases of childbirth or marriage.
- The eligibility criteria for purchasing a ZUNO health insurance policy are consistent across all plans (Silver, Gold, and Platinum), with a minimum entry age of 90 days. The maximum age criteria differ, with a limit of 65 years for Silver and Gold variants, while premium variants have no age limit.
Inclusions of ZUNO Health Insurance
- Coverage includes expenses related to ambulance services
- Expenses for hospitalization room charges, specifically in a standard single private room\
- Costs incurred during the hospital stay, up to the sum insured amount specified in the chosen plan
- Coverage to pre and post hospitalization expenses
- Expenses related to organ donation
- ICU room charges
- Domiciliary hospitalization charges up to the sum insured limit
- Coverage extends to Ayush (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) expenses
- Critical illness coverage
- Maternity cover
- Restoration benefit to ensure the reinstatement of the sum insured amount
Exclusions of ZUNO Health Insurance
- There’s a 30-day waiting period from the policy start date before some benefits kick in.
- Certain health issues like hemorrhoids, ulcers, hydrocele, and hernia are not covered.
- Oral chemotherapy
- STDs, including Gonorrhea and Genital Herpes
- Kids below 91 days of age
- Plastic surgery or cosmetic procedures
- Stress, psychological issues, and conditions like Alzheimer’s or Parkinson’s
Also Read: What Does Zuno Health Insurance for Family Cover?
More About ZUNO Health Insurance Claim Process
To access the benefits of your policy, follow the claim guidelines/steps given below:
- Inform the insurer at least 72 hours before a planned hospitalization. In case of emergency hospitalization, intimate the insurer within 48 hours of admission or before the discharge date, whichever occurs earlier.
- Once the claim is initiated, the process unfolds swiftly. Your claim amount will be compensated directly or settled at the hospital, particularly in the case of cashless claims.
Understanding ZUNO Health Insurance Premium Calculation
Here’s a step-by-step guide to determine the premium payable for a ZUNO health insurance plan:
- Choose the specific health insurance plan that aligns with your healthcare needs.
- Visit the dedicated online premium calculator page provided by ZUNO to simplify the premium calculation process.
- Input essential details into the calculator, including sum insured, number of family members you wish to cover under the policy, geographical location, and age.
- Once all details are entered, let the calculator do the work. You will receive a clear and concise premium quote.
FAQs
Who does the ZUNO Health Insurance family floater policy cover?
ZUNO Health Insurance family floater policy can extend coverage to you, your spouse, and up to three children aged between 3 months and 21 years.
Does my ZUNO Health Insurance policy cover critical illnesses?
The coverage for critical illnesses depends on the specific plan you’ve chosen. If you opt for the gold or platinum plan, critical illness coverage is included as part of the basic policy. Those with a silver plan can enhance your coverage by purchasing critical illness protection as an add-on benefit.
How long is my ZUNO Health Insurance policy valid?
You have the option to pay a single premium and choose coverage for 1 year, 2 years, or 3 years.
Can I transfer my No Claim Bonus from my previous insurance provider to ZUNO Health Insurance?
Your NCB remains intact even if you decide to switch to ZUNO Health Insurance from another insurance provider. The continuity of your NCB ensures you enjoy the benefits of reduced premiums as a reward for claim-free years.
How can I locate the network hospitals in my vicinity under ZUNO Health Insurance?
With an extensive network of cashless hospitals, locating one in your area is convenient. Simply visit the official website of ZUNO Health Insurance and access the list of network hospitals.
Will I need to undergo medical tests before purchasing a ZUNO policy?
The decision may depend on your age, chosen sum insured, and selected plan. Rest assured, the insurer will assess these factors to determine the appropriate course of action.
Disclaimer:
The information shared on this platform concerning insurers, their products, services, or offerings is strictly for informational purposes. Updates may occur without prior notice, and it should not be construed as professional advice or an endorsement to procure any specific insurance product or service. Reliance on such information is solely at your own discretion and risk.