In an era marked by the constant evolution of healthcare, safeguarding the well-being of our loved ones has become an imperative concern. Recognizing the pivotal role of health insurance in securing the health and financial stability of a family, ZUNO General Insurance (formerly known as Edelweiss General Insurance) presents an unparalleled solution – ZUNO Health Insurance for family.
This comprehensive family health insurance plan offers inclusive medical coverage to all family members and consolidates the health protection of the entire family under a single, cohesive premium. In a world where unforeseen medical expenses can exert a significant strain on familial resources, this insurance plan can ensure that your loved ones receive quality healthcare without compromising on financial equilibrium.
Through this guide, we aim to navigate the finer details of ZUNO Health Insurance for families, elucidating its features, benefits, and the peace of mind it affords.
Key Benefits of ZUNO Health Insurance for Family
- Flexible Sum Insured Options: From Rs 1 lakh to Rs. 5 crore
- No Pre-policy Medical Check-up: For individuals up to 50 years and/or seeking coverage up to Rs 20 lakh sum insured
- ICU Accommodation without Capping: Under certain plan variants under ZUNO Health Insurance
- No Claim Bonus (NCB) Incentives: Up to 100% for every claim-free year
- Sum Insured Restoration: Up to 100% once in a policy year
ZUNO Health Insurance Plans for Family
| Plan Name | Sum Insured (Rs) | Pre-existing Diseases Waiting Period |
| ZUNO Health Insurance Plan | Silver – 1 lakh to 5 lakh Gold – 5 lakh to 20 lakh Platinum – 15 lakh to 1 crore |
Silver – 48 months Gold – 36 months Platinum – 24 months |
| ZUNO HealthPlus Plan | 1 lakh to 5 crore | 36 months (general pre-existing diseases) 48 months (pre-existing critical diseases) |
Also Read: All About Bharti Axa Health Insurance
Inclusions of ZUNO Health Insurance for Family
- Coverage for expenses incurred during in-patient hospitalization
- Pre-hospitalization medical expenses
- Post-hospitalization medical expenses
- Day care treatment
- Domiciliary hospitalization
- AYUSH treatment
- Critical illness coverage (Gold & Platinum plans)
- Maternity benefit (Gold & Platinum plans)
- Recovery Benefit (Gold & Platinum plans)
It is essential to note that the coverage and optional covers may vary based on the specific ZUNO Health Insurance plan chosen for your family’s well-being.
Exclusions to ZUNO Health Insurance for Family
- Sexually Transmitted Diseases
- Congenital anomalies
- Cosmetic or Plastic Surgery
- Unproven Treatments
- Treatment of Alcoholism or Drug Abuse
It’s really important to dig into the complete list of inclusions and exclusions by going through the prospectus of ZUNO Health Insurance plans for your family.
Eligibility Criteria for ZUNO Health Insurance for Family
Minimum Entry Age: 18 years for adults and 91 days for children
Maximum Entry Age: No age limit (65 years for Silver & Gold plans) and 25 years for children
Number of Family Members Covered: Self, spouse, dependent children, dependent parents, and parents-in-law
Renewability: Lifelong
FAQs
Will I need to contribute to the expenses under ZUNO Health Insurance for my family?
Yes, there is a co-payment requirement for individuals aged 60 and above under the ZUNO Health Insurance policy. A 20% co-payment on all claims is mandatory in this scenario. It’s important to be aware of this co-payment arrangement to make informed decisions.
Are there any waiting periods I should know about under ZUNO Health Insurance for my family?
Yes, there are waiting periods to consider under ZUNO Health Insurance plans for families, as defined below:
- Initial Waiting Period: 30 days
- Specific Diseases/Procedures Waiting Period: 24 months
- Waiting Period for Diabetes, Hypertension, Cardiac Conditions: 90 days
- Pre-existing Diseases Waiting Period: 24/36/48 months
- Maternity Expenses Waiting Period: 48 months
Can I include my parents-in-law in ZUNO Health Insurance for my family?
You can extend coverage to your parents-in-law and ensure a more comprehensive health safety net for your extended family. This feature reflects ZUNO’s commitment to accommodating the diverse needs of your family members.
Is there flexibility in choosing the sum insured for ZUNO Health Insurance for the family?
ZUNO understands that each family’s healthcare needs are unique. It allows you to choose a sum insured ranging from Rs 1 lakh to a substantial Rs 5 crore.