Zuno HealthPlus Policy

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Zuno HealthPlus Policy

      The Zuno HealthPlus policy provides comprehensive coverage to the insured against a wide range of medical expenses, including the cost of hospitalization, OPD treatment, maternity expenses, critical illness treatment, accidents, etc. It also comes with some unique benefits, including pandemic disease benefit cover, worldwide cover, surrogacy cover, convalescence benefit, prosthetics cover, etc.

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      Zuno HealthPlus Policy: Key Highlights

      Categories Specifications
      Sum Insured Rs 1 lakh to Rs 5 crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 5100+
      Incurred Claim Ratio (2020-21) 111.57%
      Pre-existing Diseases Waiting Period 4 years
      3 years (for personal accident cover)
      Co-payment Applicable on OPD expenses
      Discount 5% family discount
      Up to 10% long term discount
      15% online discount
      5% Zuno customer discount 

      Benefits of Zuno HealthPlus Policy

      Check out some of the most attractive benefits of buying the Zuno HealthPlus policy:

      1. Pandemic Disease Benefit Cover

      Policyholders can get an additional sum insured for the treatment of a pandemic disease under this policy.

      2. Cumulative Bonus

      A cumulative bonus of 50% will be granted to the policyholder up to 100% in case no claims are raised in the previous policy tenure.

      3. Restoration of Sum Insured

      In case the sum insured gets exhausted before renewal, the amount will get restored once in the policy year with the restoration cover. The policy also provides the unlimited restoration option on payment of a higher premium amount.

      4. Worldwide Cover

      This policy makes it possible for the insured to avail medical coverage outside India by choosing the worldwide cover option.

      5. Recharge Benefit

      On choosing this cover, the sum insured of the policy will be recharged by 100% once in the policy year in case the existing sum insured is insufficient for coverage.

      6. Convalescence Benefit

      If the insured is hospitalized for more than a certain number of days, then the Zuno(formerly Edelweiss) General Insurance Company will pay a fixed amount under the convalescence benefit cover.

      7. Cashless Hospitalization

      With this policy, the insured can access cashless hospitalization facilities at more than 5100 network hospitals of the insurance company across India.

      8. Medical Assistance Services

      Policyholders can also avail medical assistance services like emergency evacuation, compassionate visits, second medical opinion, etc. within India and abroad as part of this policy.

      9. Tax Benefits

      As per Sec 80D of the Income Tax Act, the premium paid for the Zuno HealthPlus policy can be claimed for tax deductions.

      Zuno HealthPlus Policy Eligibility Criteria

      Take a look at the eligibility criteria to buy an Zuno HealthPlus policy:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – No upper limit
      Child – 25 years
      Coverage Type Individual/ family floater
      No. of Relationships 8 (6 adults and 3 children)
      Relationships Covered Self, spouse, dependent children, dependent parents, parents-in-law
      Renewability Lifetime

      Inclusions of Zuno HealthPlus Policy

      The following coverage is included under the Zuno HealthPlus policy:

      • In-patient Hospitalization
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Day Care Treatment
      • AYUSH Treatment
      • Domiciliary Hospitalization

      Optional Covers:

      • Hospital Cash Insurance 
      • Convalescence Benefit
      • Restoration Benefit
      • Recharge Benefit 
      • Emergency Ambulance
      • Organ Donor Cover

      Special Optional Covers:

      • Unlimited Restoration
      • Worldwide Cover
      • 241 Optional Cover
      • Policy Extension
      • Adventure Sports Cover
      • Prosthetics Cover
      • Reconstructive Surgery
      • Accidental Booster
      • Pre-existing Disease Waiting Period Reduction

      Pandemic Benefit Cover:

      • Pandemic Disease Benefit Cover
      • Home Care Treatment Expenses

      Outpatient Expenses:

      • Outpatient Consultation
      • Outpatient Dental 

      Infertility, Maternity & Baby Care:

      • Maternity Cover
      • Pre-natal and Post-natal
      • Infertility
      • Surrogacy (Surrogate Mother)
      • New Born Baby Cover
      • Vaccination Cover

      Personal Accident Cover:

      • Accidental Death Benefit
      • Permanent Total Disability (PTD)
      • Permanent Partial Disability (PPD)
      • Temporary Total Disability (TTD)

      Critical Illness:

      • Double Sum Insured for Critical Illness
      • Critical Illness Benefit

      Discount Covers:

      • Room Rent Capping
      • Voluntary Co-pay
      • Voluntary Deductible
      • Increase in Pre-existing Disease Waiting Period

      Assistance Services:

      • Medical Referrals
      • Emergency Medical Evacuation
      • Medical Repatriation
      • Compassionate Visit
      • Medical Monitoring
      • Second Medical Opinion
      • Return of Mortal Remains

      Exclusions of Zuno HealthPlus Policy

      The following medical expenses are excluded under the Zuno HealthPlus policy:

      • Suicide or attempt to suicide
      • Accidental injuries caused while driving under the influence of alcohol/drugs
      • Congenital external diseases
      • Obesity or weight-control treatments
      • Intentional termination of pregnancy
      • Cosmetic or plastic surgery
      • Unproven treatments
      • Dietary supplements

      Zuno HealthPlus Policy Waiting Periods

      Take a look at the various waiting periods applicable to Zuno HealthPlus policy:

      Category Waiting Period
      Pre-existing Diseases Waiting Period 4 years
      3 years (for personal accident cover)
      Specific Illness Waiting Period 2 years
      Critical Illness Waiting Period 90 days
      Initial Waiting Period 30 days
      Maternity Cover 1 year
      Infertility Treatment  2 years
      Surrogacy 2 years


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