Zuno Health Insurance Portability

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

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      Zuno Health Insurance Portability

      Zuno Health Insurance Portability option gives policyholders with other insurers, the choice of switching to one of the preferred Zuno health insurance plans. They can opt for a better plan without losing accrued benefits during the previous policy term. To utilize this option, policyholders should initiate the portability process around 45 days before their current policy expires.

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      Benefits of Porting to a Zuno Health Insurance Policy

      The benefits of porting to a Zuno health insurance plan are discussed below:

      • Enhanced Coverage Benefits- Porting is usually beneficial to avail of a higher sum insured amount, wider scope of coverage, that too at the same premium. Policyholders can also opt for add-on covers like global treatment expenses, modern treatments, waiting period waiver, etc.
      • No Loss Of No Claims Bonus (NCB) - The accumulated No Claims Bonus (NCB) on the existing policy also adds up to the new policy. For example, a no-claim-bonus of 20% earned in the previous policy adds up to the new Zuno health insurance plan as well.
      • Pay Lower Premiums- The portability option enables customers to switch to Zuno health insurance plans, where they can pay lower premiums than their existing policy while maintaining the same coverage. As policyholders age, their old policies can become expensive due to illnesses, age factors and insurer’s underwriting.
      • Served Waiting Periods Are Carried Forward- Customers who switch to a Zuno health insurance plan do not have to serve fresh waiting periods as their previous policy’s waiting periods get carried forward. The policyholder would be required to serve only the remaining waiting periods.

      How to Port to a Zuno Health Insurance Policy?

      Porting a policy online is hassle-free on Policybazaar.com Customers who want to switch their policy can follow the following steps to avail of the Zuno health insurance portability service.

      Step 1: Choose a Zuno Health Insurance policy according to your requirements.

      Step 2: Fill in the required request form with Policybazaar to switch to your chosen Zuno health insurance policy approximately 45 days before your policy expires.

      Step 3: Submit the required proposal and portability forms carefully filled out to Policybazaar.

      Step 4: Pay the premium for the chosen Zuno health insurance policy.

      Step 5: Policybazaar will send your portability request to Zuno General Insurance Company

      Step 6: Zuno General Insurance Company will contact your existing insurance company for details like your claim history, medical documents, etc. This information is accessible on the IRDAI website as well.

      Step 7: Your current insurer will provide the required information to Zuno General Insurance Company within 7 working days. If your insurance provider delays sharing the requested information, your portability application will get delayed.

      Step 8: Within 15 days of document submission, the insurer will decide on the portability application. If it is not concluded in two weeks, the request will be accepted automatically.

      Documents Required for Zuno Health Insurance Portability

      Policyholders must submit these documents to port to a Zuno health insurance plan:

      • The previous year's medical insurance policy copy needs to be submitted
      • Details of the claim history from the earlier policies
      • The latest renewal notice that has details about the NCB
      • Medical documents, like discharge summaries, diagnostic reports, etc., in case of claims

      How Does NCB Work Under Zuno Health Insurance Portability?

      While porting to Zuno health insurance, the No Claims Bonus (NCB) accumulated under the previous policy works as per the next policy:

      Scenario 1: For policyholders who opt for a Zuno health insurance policy with the same base sum insured, the waiting periods of the last policy are sufficient.

      For example, Vinay has a health policy of Rs. 6 lakh with an NCB of Rs. 3 lakh. He intends to port to a Zuno health insurance plan with a sum insured of Rs 6 lakh. The waiting periods from the previous policy will remain; Vinay can avail of the coverage benefits without the need to serve fresh waiting periods.

      Scenario 2: For policyholders who port to a Zuno health insurance policy with a sum insured equal to the combined base sum insured and NCB of the previous policy, the waiting periods of the previous policy will be acceptable.

      For example, Vinay has a health policy of Rs. 6 lakh with an NCB of Rs. 3 lakh, and he wants to port to a Zuno health insurance plan of Rs. 9 lakh. Vinay need not serve any additional waiting period as the waiting periods from the previous policy add-up. The combined value of the base sum insured (Rs 6 lakh) and the NCB (Rs 3 lakh) matches the new policy’s base sum insured, i.e., Rs 9 lakh.

      Scenario 3: For policyholders who choose a Zuno health insurance plan with a higher base coverage amount than their previous health policy’s base SI plus the NCB, the waiting periods are applicable for the additional coverage amount.

      For example, Vinay has a health policy of Rs 6 lakh with an NCB of Rs 3 lakh, and he wants to port to a health insurance policy of Rs 12 lakh. The waiting periods served under the previous policy are sufficient for a coverage amount of Rs 9 lakh only, hence, Vinay has to serve the standard waiting period to claim the additional coverage of Rs 3 lakh.

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