Zuno Health Insurance for Senior Citizens
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ZUNO Health Insurance for Senior Citizens
ZUNO Health Insurance for senior citizens is a medical insurance policy that covers individuals above the age of 60 years. The ZUNO Health Insurance plan by ZUNO General Insurance Company Limited provides comprehensive coverage to elderly parents and is available in three variants – Silver, Gold and Platinum.
Key Benefits of ZUNO Health Insurance for Senior Citizens
Take a look at the key benefits of ZUNO Health Insurance plans for senior citizens:
- Both individual and floater coverage available
- No capping on ICU charges
- Wide range of sum insured ranging from Rs 1 lakh to Rs 1 crore
- Cashless hospitalization for elderly people at more than 3200 network hospitals
- 100% restoration of the sum insured upon exhaustion
- Health check-up facility available after every claim-free year
- No Claim Bonus up to 100% for each claim-free year
ZUNO Health Insurance Plans for Senior Citizens
The following table showcases the ZUNO Health Insurance Plans for senior citizens:
| Plan Name | Sum Insured (Rs) | Co-Payment | |
| ZUNO Health Insurance Silver Plan | 1 lakh to 5 lakh | 20% (for people above 60 years) | View Plan |
| ZUNO Health Insurance Gold Plan | 5 lakh to 20 lakh | 20% (for people above 60 years) | View Plan |
| ZUNO Health Insurance Platinum Plan | 15 lakh to 1 crore | 20% (for people above 60 years) | View Plan |
Eligibility Criteria for ZUNO Health Insurance for Senior Citizens
Elderly parents need to suffice the following eligibility criteria to buy ZUNO Health Insurance for senior citizens:
| Categories | Eligibility Criteria |
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 65 years (for Gold, Silver plan) No age limit (for Platinum plan) |
| Family Members Covered | Self, spouse |
| Renewability | Lifelong |
Choose Health Insurance Company for Senior Citizens
Inclusions of ZUNO Health Insurance for Senior Citizens
ZUNO Health Insurance provides senior citizens with the following coverage:
- Hospitalization Expenses
- Pre-hospitalization Medical Expenses
- Post-hospitalization Medical Expenses
- Day Care Treatment
- Ambulance Cover
- Organ Donor Cover
- Domiciliary Hospitalization
- AYUSH Treatment
- Maternity Benefit
- Hospital Cash
- Recovery Benefit
- Shared Accommodation Benefit
- Critical Illness Coverage (For Gold & Platinum plans)
- In-built Assistance Services
Optional Benefits:
- Recharge Benefit (For Gold & Platinum plans)
- Critical Illness Coverage (For Silver plan)
- Restoration of Sum Insured (For Silver plan)
Exclusions of ZUNO Health Insurance for Senior Citizens
The following coverage is excluded under ZUNO Health Insurance for senior citizens:
- External congenital anomalies
- Treatment-related to acupressure, magnetic therapy, acupuncture
- Plastic surgery or cosmetic surgery
- Dietary supplements purchased without a doctor’s prescription
- Obesity and weight control treatment
- Injuries due to war and nuclear perils
FAQs
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Q1. Do senior citizens need to undergo a medical check-up before buying ZUNO Health Insurance for senior citizens?
Ans: Yes, senior citizens will have to undergo a medical check-up before buying an ZUNO Health Insurance plan for senior citizens.
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Q2. Is there a waiting period under ZUNO Health Insurance for senior citizens?
Ans: Yes, ZUNO Health Insurance plans for senior citizens come with the following waiting periods:
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 24 months
- Pre-existing Diseases Waiting Period – 48 months (Silver plan), 36 months (Gold plan), 24 months (Platinum plan)
- Diabetic/ Hypertension/ Cardiac Conditions – 90 days
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Q3. Where can I check the premium chart of ZUNO Health Insurance for senior citizens?
Ans: You can check the premium chart for the ZUNO Health Insurance plan on the insurance company’s website. Alternatively, you can also use a health insurance premium calculator on the website of Policybazaar Insurance Broker Private Limited.
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