Zuno Health Insurance Waiting Period: Check Plans & Get Covered Today!

Zuno Health Insurance Waiting Period

Zuno Health Insurance Waiting Period is the time period during which the policyholder cannot file a claim with Zuno General Insurance Limited. It differs for various diseases & surgical procedures and from one Zuno health insurance plan to another. However, the policyholder does not need to serve the initial waiting period to file an accidental claim with the insurance company.

Types of Zuno Health Insurance Waiting Period

Check out the various types of waiting periods applicable to Zuno health insurance plans:

Zuno Health Insurance Initial Waiting Period

This type of waiting period must be served to file a non-accidental health insurance claim with Zuno General Insurance Limited.
Zuno Health Insurance Specified Disease/Procedure Waiting Period

Policyholders should serve this waiting period to pay for the cost of specific diseases and procedures, such as osteoarthritis, varicose veins, joint replacement therapy, kidney stones, cataract, etc.
Zuno Health Insurance Pre-existing Disease Waiting Period

This waiting period needs to be served to cover the medical expenses incurred on the treatment of PED or pre-existing diseases, like high blood pressure, asthma, diabetes, obesity, high cholesterol, etc.
Zuno Health Insurance Maternity Benefit Waiting Period

The insured must serve this waiting period to claim the maternity cover and pay for the cost of a newborn baby delivery or lawful termination of pregnancy.
Zuno Health Insurance Critical Illness Cover Waiting Period

This waiting period should be served to cover the medical expenses incurred during the treatment of a critical illness listed under the critical illness insurance policy.
Zuno Health Insurance Diabetes, Hypertension & Cardiac Conditions Waiting Period

The insured needs to serve this waiting period to pay for the cost of treating diabetes, hypertension, & cardiac conditions and their complications.
Zuno Health Insurance Infertility Treatment Waiting Period

This type of waiting period must be served to cover the cost of undergoing an infertility treatment by the insured.
Zuno Health Insurance Major Medical Illness and Procedures Waiting Period

Policyholders should serve this waiting period to pay for the cost of treating a major medical illness or undergoing a major procedure.
Zuno Health Insurance Loss of Job Cover Waiting Period

This type of waiting period needs to be served to claim the loss of job cover so that the insurance company pays for up to three loan EMIs of the insured.
Zuno Health Insurance Surrogacy Cover Waiting Period

Policyholders must serve this waiting period to cover the in-patient treatment expenses of a surrogate mother.
Zuno Health Insurance Pre-existing Disability Cover Waiting Period

This waiting period should be served to pay for the medical expenses resulting from a pre-existing disability of the insured.

List of Zuno Health Insurance Waiting Period

The list of waiting periods that apply to health insurance plans offered by Zuno General Insurance Limited is as follows:

Type of Waiting Period	Waiting Period	Applicable Zuno Health Insurance Plans
Initial Waiting Period	30 days	All Zuno health insurance plans, except for the Loan Care plan
Specified Disease/Procedure Waiting Period	2 years, 3 years	All Zuno health insurance plans, except for the Loan Care plan
Pre-existing Disease Waiting Period	2 years, 3 years	All Zuno health insurance plans
Maternity Benefit Waiting Period	1 year, 4 years	Zuno Health Insurance Plan Zuno Health Top Up Insurance Plan> Zuno HealthPlus Plan
Critical Illness Cover Waiting period	90 days	Zuno HealthPlus Plan Zuno Health Insurance Plan Zuno Health Top Up Insurance Plan
Diabetes, Hypertension & Cardiac Conditions Waiting Period	90 days	Zuno Health Insurance Plan Zuno Health Top Up Insurance Plan Zuno HealthPlus Plan
Infertility Treatment Waiting Period	2 years	Zuno HealthPlus Plan
Major Medical Illness and Procedures Waiting Period	90 days	Zuno Loan Care Plan
Loss of Job Cover Waiting Period	90 days	Zuno Loan Care Plan
Surrogacy Cover Waiting Period	2 years	Zuno HealthPlus Plan
Pre-existing Disability Cover Waiting Period	2 years	Zuno Empower Health Plan

Note: The Zuno health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Zuno Health Insurance Waiting Period?

Yes. The waiting period for pre-existing diseases can be reduced or even waived off under the Zuno Health Top Up Insurance and Zuno HealthPlus plans. However, these benefits are available by paying an additional premium only.

Things to Remember About Zuno Health Insurance Waiting Period

Policyholders must remember the following things about the Zuno health insurance waiting period:

The Zuno initial waiting period is not required to be served to file a claim for accidental hospitalization of the insured.
If a disease or illness is diagnosed after purchasing the Zuno health insurance policy, it will not be considered pre-existing by the insurer.
Policyholders get the option to reduce the pre-existing disease waiting period under some mediclaim policies by paying an extra premium amount.
The insured must serve the waiting period and the survival period to claim the critical illness cover.

Zuno Health Insurance Waiting Period: FAQs

Q1. What is the waiting period for Zuno health insurance?

Ans: The waiting period for Zuno health insurance plans differs from one disease or medical procedure to another. Usually, they cover non-accidental hospitalizations & seasonal diseases after 30 days, specific disease/procedure & pre-existing diseases after 2 to 3 years, and pre-existing diabetes, hypertension & cardiac conditions after 90 days. Besides, they cover critical illnesses after 90 days, maternity expenses after 9 months to 4 years, and infertility treatments after 2 years. However, you are advised to go through your policy document to know the exact waiting periods that you need to serve.
Q2. What is the maximum waiting period for Zuno health insurance?

Ans: The maximum waiting period for Zuno health insurance is 4 years for the maternity benefit and 3 years for pre-existing diseases and specific diseases/procedures.
Q3. Can I claim Zuno health insurance after 1 month?

Ans: Yes. You can claim your Zuno health insurance policy after 1 month, but only for accidental injuries, non-accidental hospitalizations, and seasonal diseases.
Q4. Can waiting periods be waived under Zuno health insurance?

Ans: Yes. The Zuno HealthPlus policy allows you to waive off the waiting period for pre-existing diseases on the payment of an additional premium.
Q5. Will Zuno health insurance pay for pre-existing conditions?

Ans: Yes. Zuno health insurance plans pay for pre-existing conditions, but after a waiting period of 2 to 3 years. However, most plans cover pre-existing diabetes, cardiac conditions, and hypertension after a waiting period of 90 days only.
Q6. What is the 90-day waiting period for Zuno health insurance?

Ans: The 90-day waiting period for Zuno health insurance requires you to wait for this period to file a claim for critical illnesses, major illnesses & procedures, pre-existing diabetes, hypertension & cardiac conditions, and loss of job cover.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

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Zuno Health Insurance Waiting Period