Zuno HealthPlus Policy

Insurer Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      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

      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.

      Read More

      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

      FAQs

      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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      ZUNO Health Insurance Plans
      Gold Plan
      Platinum Plan

      Health insurance articles

      Recent Articles
      Popular Articles
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      Does Niva Bupa Health Insurance Cover Dental Treatments?

      06 May 2024

      Dental insurance covers regular dental check-ups and treatments to
      Read more
      Surgeries Covered by TATA AIG Health Insurance Plans

      26 Apr 2024

      Amidst the escalating healthcare costs nationwide, managing the
      Read more
      Surgeries Covered by Liberty Health Insurance Plans

      26 Apr 2024

      Liberty General Insurance Limited offers a range of comprehensive
      Read more
      Does Care Health Insurance Cover Dental Treatments?

      26 Apr 2024

      Healthy teeth and gums can go a long way to maintaining oral
      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
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      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
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

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