OneAssure

Health Insurance

Zuno

Health Insurance Gold

97.3%

Claim Settlement Ratio

3,000+

Network Hospitals

8/10

Plan Rating

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Our Verdict

Expert Review: Zuno Health Insurance Gold

Final Verdict

Zuno Health Insurance Gold is suitable for families and individuals looking for a balanced health insurance plan with maternity coverage, restoration benefits, strong No Claim Bonus accumulation and critical illness protection at a moderate premium level.

About

What Is Health Insurance Gold?

Zuno Health Insurance Gold is a comprehensive indemnity health insurance policy offering coverage for hospitalization expenses, pre and post hospitalization expenses, daycare treatments, AYUSH treatment, domiciliary hospitalization, organ donor expenses and ambulance services. The plan includes built-in restoration benefit, critical illness coverage equal to 50% of sum insured, maternity benefit up to ₹50,000, hospital cash, recovery benefit and shared accommodation rewards. The policy also provides assistance services such as emergency medical evacuation, second medical opinion, compassionate visit and medical repatriation support.

Gold Ratings

Gold

Insurer Rating

6.72

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

Add on

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Add on

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

Zuno Health Insurance Gold Inclusions

Room Rent

Normal: Standard Single Private Room
ICU: No capping

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-pay below age 60

Cashless Healthcare Providers

Available

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease Waiting Period: 24 Months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

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About the company

About Zuno

Zuno General Insurance, previously called Edelweiss General Insurance, was established in 2017 and is a part of Zuno Group. It provides insurance products in the areas of health, motor, travel, and corporate insurances. Zuno Health Insurance is committed to offering affordable and comprehensive health insurance which covers hospitalisation, critical illnesses, and wellness for individuals, families, and HNI clients. Their Easy policy buying, a simplified claim process, and 24x7 customer support are some of the core strengths of the company. Zuno General Insurance has been awarded multiple times since its inception among which are the FinTech India Innovation Award (2021), Customer Fest Awards (2021) as well as the Top 25 Financial Innovations of India (2020) recognitions are very notable. These are the awards that put the company in the spotlight for its innovation, technology, and customer delight focus.