*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Zuno Arogya Sanjeevani Insurance Policy is introduced under the recent announcement of IRDAI, which is a basic health cover with sum insured ranging from Rs 1 lakh to 5 lakh. In order to maintain its uniqueness, the IRDAI has also restricted all the insurance providers to imposing deductibles and variants with this policy.
|1 lakh-5 lakh
|Pre-existing Illness Waiting Period
|Claim Payment Type
|Indemnity Basis (Cashless/Reimbursement)
|5%-50% of the SI
The scope of coverage under this policy starts from Rs 1 lakh, while the maximum sum insured to be availed is Rs 5 lakh. Increment in SI in allowed in multiples of Rs 50,000. The policy tenure is for 1 year. The scope of coverage under this policy can be categorized as:
The inclusions in the policy have a bearing on the decision to buy Zuno Arogya Sanjeevani. Though the premium is extremely affordable, the policy’s inclusion list is not with less coverage:
The Insured must clearly understand the exclusions in the Zuno Arogya Sanjeevani Insurance Policy to obviate future complications in claim settlement. Accordingly, the indicative list of exclusions is listed below for guidance, but the policy document lists them in greater detail.
The features and benefits are the essential parameters to study before buying Zuno Arogya Sanjeevani policy:
The minimum eligibility criteria to buy this policy are:
|Minimum Entry Age
|Adult: 18 years
|Maximum Entry Age
|Adult: 65 years. Lifelong policy renewability
|Number of people covered
|Individual for self, spouse, dependent children, dependent parents, and dependent parents-in-law.
Family Floater members can include up to 8 members: Self, spouse, dependent children from 3 months to 25 years of age, dependent parents, and dependent parents-in-law.
|Residents of India, including citizens, and permanent residents
The Zuno Arogya Sanjeevani Insurance policy can be cancelled by the insured by giving a 15-day notice. The premium refund is governed by the term and conditions prescribed by the Insurer. It is applicable for both offline and online Zuno Arogya Sanjeevani Insurance Policy.
Ans: The room rent is up to 2% of the sum insured with a per day amount cap of Rs 5,000, and the ICU/ICCU Charge is up to 5% of the sum insured with an amount cap of Rs 10,000 per day.
Ans: A maximum of 8 members can be accommodated in Family Floater Policy as per combinations included in the family.
Ans: The insured is entitled to both Cashless Treatment and Reimbursement claims as per the emerging circumstances.
Ans: Yes, the Insured can buy multiple health insurance policies, and the claim will be settled in cumulative Sum Insured, as per conditions.
Ans: The policy can be migrated as per the governing rules related to portability.
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