ZUNO Health Insurance

Insurer Highlights

People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans from ZUNO

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      ZUNO Health Insurance

      Nowadays, taking a medical treatment at a good hospital, for something as small as fever, can make a hole in your pocket. And for this reason, it is important to have a health insurance cover. Taking into consideration the increasing medical inflation and growing number of health ailments, ZUNO Health Insurance has come up with three types of health insurance plans. These plans cater to different audiences and also life-threatening diseases like cancer. ZUNO health insurance offers three variants of its health insurance policy for its different audience. You can opt for a plan that meets most of your requirements.

      ZUNO General Insurance (Formerly known as Edelweiss General Insurance) Company Limited is a part of the ZUNO Group, which is a multinational corporation offering financial products and services. The company provides health insurance plans across the country that caters to the insurance needs of the people. They also boast of a quick, hassle-free and easy process of buying a policy and registering a claim. Moreover, the company has a dedicated customer team with a hands-on approach to answering all the queries of the customer.

       

      Choose ZUNO Health Insurance Coverage of Your Choice

      ₹3Lakh
      ZUNO Health Insurance
      ₹5Lakh
      ZUNO Health Insurance
      ₹10Lakh
      ZUNO Health Insurance
      ₹20Lakh
      ZUNO Health Insurance
      ₹50Lakh
      ZUNO Health Insurance
      ₹1Crore
      ZUNO Health Insurance

      ZUNO Health Insurance Plans

      ZUNO Health Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by ZUNO Health is given below:

      Plan name
      ZUNO Health Insurance Plan
      For individual/ family
      Min. Age
      3 months
      Max. Age
      No age limit
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 1 Crore
      For top up
      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 Crore
      Plan name
      ZUNO Health Plus Policy
      For Family
      Min. Age
      91 days
      Max. Age
      No Age Limit
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 crore
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans

      Benefits & features of ZUNO Health Insurance

      ZUNO General Insurance (Formerly known as Edelweiss General Insurance) Company offers three types of health insurance policies that come with the following benefits:

      • ZUNO health insurance offers coverage to applicants above the age of 3 months. Basically, you don’t need to worry about the age limit to get health insurance from ZUNO.
      • You can buy health insurance for a maximum of 8 members including self, spouse, 3 children, and other relatives ( as permissible in the plan)
      • ZUNO health insurance platinum plan offers health insurance cover up to 2 Crores
      • Irrespective of the plan, you can avail these benefits- medical monitoring cover, medical repatriation, medical referral cover, compassionate visit, emergency medical evacuation, the return of mortal remains and second medical opinion.

      Why ZUNO Health Insurance?

      ZUNO Health Insurance plans are tailor-made to offer maximum protection to the insured members at an affordable price. You can purchase any of the ZUNO health insurance plans to avail the following benefits:

      • ZUNO Health Insurance covers customary and reasonable charges incurred towards healthcare treatment taken by the policyholder during the policy term for an injury, illness or any other medical condition that is covered in the plan.
      • Co-payment of 20% is applicable only to members above the age of 60 years.
      • The insurer provides an option of mid-term inclusion of an applicant in case of childbirth or marriage. The premium will be charged on a pro rata basis.
      • The eligibility criteria to buy an ZUNO health insurance policy is 90 days for all the plans ( Silver, Gold and Platinum) and the maximum age criteria is 65 years for both Silver and Gold variants. And there is no age-limit for premium variants.

      ZUNO Health Insurance Plans

      ZUNO General Insurance plans are the most comprehensive ones. There are 3 variants – Silver, Gold, and Platinum. And the sum insured limit is listed below:

      • Silver Plan - The sum insured limit for this plan is up to Rs. 5 Lakhs
      • Gold Plan - The sum insured limit for this plan is up to Rs. 20 Lakhs
      • Platinum - The sum insured limit for this plan is up to Rs. 1 Crore
        Silver Plan Gold Plan Platinum Plan
      Hospitalization Expenses(Up to the Sum Insured) Covered Covered Covered
      Room Rent limit per day - Standard Single Private Room Sum insured Rs. 3 lakh and above No Capping No Capping
      No Capping on ICU charges Covered Covered Covered
      Pre and Post Hospitalization Medical Expenses(Up to the Sum Insured) 30 to 60 days 60 to 90 days 90 to 180 days
      Day Care Treatment(Up to the Sum Insured) Covered Covered Covered
      Ambulance Cover(Per hospitalization) Up to Rs. 1500 Up to Rs. 3000 Up to Rs. 10,000
      Organ Donor Cover Not Covered Up to 1 lakh Rupees Up to 2 lakh Rupees
      Domiciliary Hospitalization(Up to the Sum Insured) Covered Covered Covered
      Ayush (Up to the Sum Insured) Covered Covered Covered
      No-Claim-Bonus(If you do claim, the No Claim Bonus will reduce at the same rate at which it increases in a claim-free year) Sum insured Increases by 10% forevery claim-free year up to amaximum of 50% Sum insured Increases by 50% forevery claim-free year up to amaximum of 100% Sum insured Increases by 50% forevery claim-free year up to amaximum of 100%
      Health Check-Up for every claim-free year(Policyholders who are 18yrs or above) Covered Covered Covered
      Maternity Benefit Not Covered Up to Rs. 50,000 ( waiting period of 4- years) Up to Rs. 2 lakhs ( waiting period of 4- years)
      Recovery Benefit(Starts from the day of hospitalization) Not Covered Rs. 1,000 per day from the 11th-20th day Rs. 1,000 per day from the 11th-20th day
      Shared Accommodation Rs. 800 per day ( maximum up to Rs. 4,000) Rs.1000 per day ( maximum up to Rs. 5,000) Rs.1200 per day ( maximum up to Rs. 6,000)
      Critical Illness Coverage(Starts from the first time you're diagnosed with a critical illness.) Not Covered Sum insured amount increases by 50 percent Sum insured amount increases by 100 percent
      Restoration - Top it up by 100%(Top it up by 100% that is your Sum Insured doubles.) Not Covered Covered Covered
      Optional Benefits
      Critical Illness Coverage(Starts from the first time you're diagnosed with a critical illness.) Sum insured amount increases by 50 percent Covered in the basic plan Covered in the basic plan
      Recharge(Top it up by 100% that is your Sum Insured doubles. Not Covered Covered Covered
      Voluntary Co-payment(This option is available for ages 60 years and below.) 10 to 20 percent 10 to 20 percent 10 to 20 percent
      Read More

      Inclusions of ZUNO Health Insurance

      The coverage provided in all the plans may vary. Some of the common inclusions of ZUNO health insurance plans are listed below:

      • Ambulance expenses are covered
      • Hospitalization room expenses in a standard single private room are covered
      • Hospitalization expenses are covered up to the sum insured amount
      • Pre and post hospitalization expenses are covered up to the sum insured limit
      • Organ donor expenses are covered
      • ICU room charges are covered
      • Domiciliary hospitalization charges up to the sum insured limit
      • No claim discount benefits
      • Ayush expense cover up to the sum insured limit
      • Critical Illness coverage is provided
      • Maternity cover is also provided
      • Recharge benefit
      • Recovery Benefit (starts from the day of hospitalization)
      • Restoration benefit
      • Voluntary co-payment up to 60 years of age

      Exclusions of ZUNO Health Insurance

      There are certain limitations in an ZUNO health insurance plans. And the exclusions of ZUNO health insurance plans are listed below: 

      • First 30-Day waiting period
      • Hemorrhoids / Piles, Fissure / Fistula in anus, Gastric, Duodenal Ulcers, and Pilonidal Sinus
      • All types of Hydrocele and Hernia
      • Myomectomy for fibroids
      • Oral Chemotherapy
      • Any medical conditions related to sexually transmitted diseases, including Gonorrhea, Genital Warts, Genital Herpes, Syphilis, Acquired Immunodeficiency Syndrome (AIDS), HIV, Chlamydia, Pubic Lice, and Trichomoniasis
      • Any medical expenses incurred on children and new-born below the age of 91 days shall not be covered under this policy
      • Any charges related to the cost of contact lenses, spectacles, hearing aids, eye and ear examinations, dentures, laser surgery, artificial teeth and expenses incurred on other similar external appliances
      • Plastic surgery or cosmetic surgeries
      • Treatment required for stress or psychological disorders, mental illness, Alzheimer's or Parkinson's disease even if it happened after an Illness or an accident.

      ZUNO Health Insurance Optional Covers

      Apart from the basic health insurance cover, you can opt for the following other optional benefits:

      • Critical Illness cover in ZUNO health insurance silver plan and the limit is 50 percent of the sum insured amount.
      • Restoration benefit is available in the silver variant and the limit is 100% of the sum insured amount
      • Recharge option is available in both gold and platinum plans. ZUNO will replenish the entire sum insured amount on indemnity basis during a policy period.

      ZUNO Health Insurance Claim

      To avail the benefits of your ZUNO health insurance policy it is important to notify the insurer at least 72 hours before a planned hospitalization. In the event of an emergency hospitalization, it is required to intimate the insurer within 48 hours of hospitalization or before the discharge date whichever is earlier. However, the insurer may consider delays in extreme cases along with a proof.

      The process to file ZUNO health insurance claim is defined below:

      • You can notify ZUNO Health Insurance on their helpline number i.e. 1800 12000
      • You can also inform them over an email at support[@]edelweissinsurance[.]com to file a claim
      • Your claim procedure will start and your claim amount will be compensated or will be settled directly at the hospital in the event of cashless claims

      Documents Required for ZUNO Health Insurance Claims

      To initiate a claim you need to provide the following documents/details/information to the insurer:

      • Duly signed ZUNO health insurance claim form
      • Medical Investigation reports
      • Pre-authorization request (original)
      • MR/CT/ USG/HPE and other investigation reports
      • Also, submit a copy of the pre-authorization approval letter
      • Reference slip from the doctor
      • A copy of the photo ID card of the patient (verified by the hospital)
      • Discharge summary from the hospital
      • Operation theatre reports/notes
      • Chemist's bills
      • Police FIR
      • MLC report
      • Hospital final bill
      • Death certificate from the hospital (in original where applicable)
      • Hospital break-up bill
      • Other documents/bills as per the situation

      How to Calculate ZUNO Health Insurance Premium?

      To know the premium for your selected policy you can use the online health insurance premium calculator. It is one of the most convenient and cost-effective methods to calculate the premium.

      All you need to do is select the plan, go to the online calculator page, enter the basic details such as sum insured amount, number of family members, geographical location, age etc.

      Once you enter all the required details, you will get the premium that the insurer will charge for that particular plan.

      How to Compare and Buy Health Insurance?

      You can consider these parameters while picking a health insurance policy –

      • Risks covered in severe health conditions/ emergencies
      • Amount of premium/sum insured
      • Saves extra medical expenses or not
      • Hospitalization cover
      • Panel of hospitals under the health insurance list
      • Check for NCB ( No Claim Bonus)
      • Check for the age limit criteria
      • Claim process to be followed
      • Family floater plans are available or not
      • Inclusions/exclusions

      How to Renew ZUNO Health Insurance Plans?

      It is quite easy and convenient to renew ZUNO health insurance policy online. Online renewal saves both time and efforts. You can check with the insurer for any specific procedure which is followed to renew the policy online.

      But before that, you need to decide if you want to continue availing the benefits from your current insurance policy or you want to upgrade it. Also, make sure that you renew your policy before the expiry date. If the policy is not renewed within the stipulated time then you will not be able to avail the continuous benefits of your policy.

      Things to Know About ZUNO Health Insurance

      • ZUNO Health Insurance offers the facility to buy a 2-year policy by paying a one year premium cost
      • There are three plan options – Silver, Gold, and Platinum
      • The sum assure limit ranges from 5 lakhs to 1 crore rupees
      • Plans do not have any capping on the ICU charges
      • Day care treatment and domiciliary hospitalization expenses are also covered
      • All the plans provide Ayush cover
      • Gold and Platinum plans provide critical illness cover
      • You can also buy critical illness coverage as an add-on benefit

      ZUNO Health Insurance - FAQs

      View more FAQ’s
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL