Zuno Health Insurance Top up & Super Top up Plan

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*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

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      ZUNO Health Insurance Top up & Super Top up Plan

      ZUNO Health Insurance provides both Top-up and Super Top-up health plans. A standard health insurance policy reimburses medical and hospitalization bills up to the Sum Insured. In contrast, a top-up plan covers costs after the Sum insured of the existing health insurance policy is exhausted and helps in continuing with the treatment. The plan provides coverage on both individual and family floater basis.

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      Eligibility Criteria



      ZUNO Top-up Plan Sum Insured  

      Rs 1 lakh to Rs 20 lakh

      ZUNO Super Top-up Plan Sum Insured  

      Rs 1 lakh to Rs 500 lakh

      Minimum Entry Age

      Individual Cover: 18 years

      Family Floater: 91 days

      Maximum Entry Age

      Adults: 65 years

      Dependent Children: 25 years

      Renewal Terms


      Cooling-off Period

      30 days (except accidents)

      Waiting Period Pre-existing Diseases

      36 months

      *For further details, please refer to the ZUNO Health Top-up Insurance Policy

      Key Benefits of ZUNO Top-up and Super Top-up Health Plans

      The benefits under the ZUNO top-up and super top-up health plans are given below:

      • 1, 2, and 3 year policy period options available
      • Worldwide coverage options are available
      • Lifelong renewability option is provided
      • Hospital Cash benefit can be availed from Rs 500 to Rs 5000 per day for a maximum of 10 days and a deductible of 0 to 5 days
      • Income Tax benefits available under Section 80D is provided for the premium paid

      Inclusions of ZUNO Top-up and Super Top-up Health Plans

      The inclusions under the ZUNO top-up and super top-up health plans are given below:

      • In-patient treatment charges are covered
      • Emergency ambulance cover is provided up to Rs 3000
      • Optional organ donor cover from 10% to 50% of Sum Insured
      • AYUSH treatment cover can be availed
      • Dental OPD Cover ranges from Rs 1,000 to Rs 50,000
      • Domiciliary hospitalization expenses are also compensated
      • Maternity expense cover up to Rs 50,000 under the top-up plan and Rs 50000 to Rs 1.5 lakh under the Super top-up plan

      Exclusions of ZUNO Top-up and Super Top-up Health Plans

      The exclusions under the ZUNO top-up and super top-up health plans are given below:

      • Pre-existing diseases subject to waiting period
      • Expenses primarily related to diagnostics and evaluation purposes
      • Rest cure, rehabilitation, and respite care
      • Obesity/ weight control
      • Change of gender treatments
      • Cosmetic or plastic surgery
      • Hazardous or adventure sports
      • Drug, alcoholism or substance abuse, or any addictive condition
      • Dietary substances and supplements can be purchased without a prescription

      *For the complete list of exclusions, please refer to the ZUNO Health Top-up Insurance Policy Terms and Conditions

      You can check out ZUNO Health Top-up Premium Chart to find the amount of premium payable. Check out ZUNO Health Top-up Plan Brochure for more information on benefits and features. For more details, you can write to us at care@policybazaar.com.


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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