Zuno Health Insurance Claim Settlement Ratio

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      Zuno Health Insurance Claim Settlement Ratio

      Zuno Health Insurance claim settlement ratio gives an idea of the number of claims that the insurer is capable of settling against the total claims received. The higher is the insurer’s claim settlement ratio, the higher are the chances of your claims getting paid. In FY 2021-22, Zuno health insurance claim settlement ratio is 91.1%, which reflects positively on the insurer’s ability to settle the claims.

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      Besides, Zuno General Insurance ensures that all claims are settled most conveniently and with a lesser turn-around time.

      Claim Process of Zuno Health Insurance

      When filing the health claim process with Zuno General Insurance, you need to know both cashless and reimbursement claim processes. The procedure to file both types of claims is given below:

      Zuno Cashless Claim Settlement Process:

      The cashless treatment facility is only available at Zuno General Insurance’s network hospitals. Here is a quick step-by-step guide to help you file cashless health claims:

      • Firstly, select the Zuno network hospital in your city where you want to go for cashless treatment.
      • You must inform the insurance company within 48 hours of an emergency hospitalization and at least 72 hours before a planned hospitalization.
      • You must carry the health card issued by the insurance company and a photo ID to the hospital.
      • After that, you need to fill out and submit the pre-authorization request form at the hospital helpdesk. (It is provided by the hospital.)
      • Once your identity is cross-checked, the hospital sends the form to the Insurance company for approval.
      • If the insurance company approves the claim, then the hospital settles all your medical bills directly with your insurer after you are discharged from the hospital.

      Zuno Reimbursement Claim Settlement Process:

      Reimbursement claims can be filed in both network and non-network hospitals. The steps to file a reimbursement claim are given below:

      • Inform Zuno General Insurance about your planned hospitalization at least 72 hours prior and emergency hospitalization within 48 hours.
      • Pay all the hospital bills at the time of being discharged from the hospital.
      • Collect all the documents, such as hospital bills, discharge summary, invoices, medical reports, etc., from the hospital.
      • Download the claim form from the insurer’s website, fill it and sign it properly.
      • Send all the required documents to Zuno General Insurance along with the claim form.
      • After reviewing the claim form and documents, the insurer will approve the claim subject to the policy terms and conditions.
      • The claim amount will be paid to you once the claim has been approved.

      Document Required for Zuno Claim Settlement Process

      Take a look at the list of documents that you should submit in case of a Zuno health insurance reimbursement claim:

      • Copy of the health insurance policy
      • Medical investigation reports (original)
      • Pharmacy bills along with the prescription
      • Discharge summary from the hospital
      • Post-mortem or FIR report, if any
      • Indoor case papers
      • Duly-filled claim form
      • Valid photo ID
      • Hospital bills and payment receipts
      • Original consultation notes
      • Nature of operation and surgeon's bill
      • Medical reports along with attending doctor’s report
      • Bank account details and a cancelled cheque with your name

      To know more about the claim process, you can get in touch with our health experts at Policybazaar at 1800-208-8787.

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