How does the waiting period affect my coverage?

The plan has a waiting period for pre-existing conditions and specific treatments, ensuring fair risk management and long-term sustainability.

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

If no claims are made, the policy remains active, but no additional benefits like No Claim Bonus are provided under top-up plans.

Does the Zuno Health Top-Up Insurance plan cover treatment abroad?

No, the plan only covers medical expenses incurred within India and does not provide coverage for international treatments.

OneAssure

Health Insurance

Zuno

Health Top Up Insurance

Zuno Health Top Up Insurance

Experience India's most trusted health insurance with Zuno Health Insurance. Get instant cashless treatment at 12500 network hospitals with sum insured up to ₹50 lakhs.

97.3

Claim Settlement Ratio

12500

Network Hospitals

6.8

Customer Rating

Get a Quote

97.3

Claim Settlement Ratio

12500

Network Hospitals

6.8

Customer Rating

Our Verdict

Expert Review: Zuno Health Insurance

Final Verdict

Zuno Health Top-up offers affordable extra coverage over existing policies, with a high deductible and options like critical illness and maternity add-ons. It's ideal for those seeking cost-effective enhanced protection against large medical expenses.

About

About Zuno Health Insurance

Zuno Health Top-up Insurance is a cost-effective plan designed to provide additional coverage beyond your existing health insurance policy. It acts as a financial backup when your primary policy’s sum insured is exhausted. With a high deductible option, it ensures lower premiums while offering extensive coverage for hospitalization, surgeries, and critical illnesses. The plan includes benefits like cashless hospitalization, pre and post-hospitalization expenses, and daycare treatments. It is ideal for individuals and families looking for enhanced medical protection at an affordable cost.

Zuno Health Top-up Insurance is a cost-effective plan designed to provide additional coverage beyond your existing health insurance policy. It acts as a financial backup when your primary policy’s sum insured is exhausted. With a high deductible option, it ensures lower premiums while offering extensive coverage for hospitalization, surgeries, and critical illnesses. The plan includes benefits like cashless hospitalization, pre and post-hospitalization expenses, and daycare treatments. It is ideal for individuals and families looking for...

Inclusions and Exclusions

Inclusions and Exclusions of Zuno Insurance Company Limited

Room Rent

Normal: Coverage for a single private room.
ICU: Expenses covered up to the 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

A compulsory co-payment of 20% applies to each claim for insured persons aged above 60 years.

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.

Cashless Healthcare Providers

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

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

Normal: Coverage for a single private room.
ICU: Expenses covered up to the 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

A compulsory co-payment of 20% applies to each claim for insured persons aged above 60 years.

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Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Medical expenses incurred within the initial 30 days of the policy, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or conditions caused by substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Infertility treatments, assisted reproductive techniques, and related procedures.
Injuries resulting from participation in hazardous activities or adventure sports.
Non-medical expenses such as dietary supplements, vitamins, or external medical devices.
Costs associated with gender reassignment surgery or hormone therapy.

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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 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...

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...