How does the waiting period affect my coverage?

The Zuno Health Plus plan includes a 30-day initial waiting period and pre-existing conditions are covered after 48 months.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, you earn a No Claim Bonus (NCB), increasing your sum insured without additional premium costs.

Does the Zuno Health Plus plan cover treatment abroad?

No, the Zuno Health Plus plan primarily provides coverage within India, with no standard international treatment coverage.

OneAssure

Health Insurance

Zuno

Health Insurance Plus

Zuno Health Plus Policy

Experience India's most trusted health insurance with Zuno Health Insurance. Get instant cashless treatment at 3000 network hospitals with sum insured up to ₹50 lakhs.

97.3%

Claim Settlement Ratio

3000+

Network Hospitals

8

Customer Rating

Policy Policy Wording

Get a Quote

97.3%

Claim Settlement Ratio

3000+

Network Hospitals

8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Zuno Health Insurance Plus

Final Verdict

Zuno Health Plus offers comprehensive coverage with cashless treatment and AYUSH benefits. Add-ons like maternity and critical illness enhance its value, making it a reliable choice for individuals and families seeking extensive and flexible health insurance.

About

About Zuno Health Insurance Plus

Zuno Health Plus is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It covers hospitalization expenses, pre and post-hospitalization costs, daycare treatments, and emergency ambulance services. The plan also includes benefits like cashless treatment at network hospitals and alternative treatments under AYUSH. With options for add-ons such as maternity benefits and critical illness cover, Zuno Health Plus ensures financial security against medical emergencies, making quality healthcare accessible without burdening policyholders with high expenses.

Zuno Health Plus is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It covers hospitalization expenses, pre and post-hospitalization costs, daycare treatments, and emergency ambulance services. The plan also includes benefits like cashless treatment at network hospitals and alternative treatments under AYUSH. With options for add-ons such as maternity benefits and critical illness cover, Zuno Health Plus ensures financial security against medical emergencies, making quality healthcare accessible without...

Plus Ratings

Ratings: Zuno Plus

Insurer Rating

6.72

out of 10

Insurance Rating

7.25

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

Add on

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 and Exclusions

Inclusions and Exclusions of Zuno Health Insurance Plus

Room Rent

The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall sum insured.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The Zuno Health Plus plan generally does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific conditions, a co-payment clause may apply, requiring the insured to pay a percentage of the claim amount before the insurer covers the rest.

Cashless Healthcare Providers

Access to over 12,500 network hospitals across India for cashless treatment.

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.

Daycare Treatment

Coverage for medical procedures requiring less than 24-hour hospitalization, including chemotherapy and cataract surgery.

AYUSH Treatment

Expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Room Rent

The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall sum insured.

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The Zuno Health Plus plan generally does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific conditions, a co-payment clause may apply, requiring the insured to pay a percentage of the claim amount before the insurer covers the rest.

Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for injuries or illnesses caused by self-harm, suicide attempts, or substance abuse is excluded.
Cosmetic and aesthetic procedures, including plastic surgery, unless required due to accidents or burns, are not covered.
Dental treatments, unless arising from an accidental injury, are not included.
Infertility treatments, IVF procedures, and related expenses are not covered.

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About the company

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...

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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.