
Zuno Health Insurance
97.3
Claim Settlement Ratio
12500
Network Hospitals
7.6
Customer Rating
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Get a Quote
97.3
Claim Settlement Ratio
12500
Network Hospitals
7.6
Customer Rating
Our Verdict
Expert Review: Zuno Health Insurance
Final Verdict
About
About Zuno Health Insurance
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
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
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
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
A compulsory co-payment of 20% applies to each claim for insured persons aged above 60 years.
Exclusions
Treatment for pre-existing diseases within the waiting period.
Cosmetic or plastic surgery unless medically required.
Injuries due to self-harm, drug abuse, or intoxication.
Treatment outside India (unless covered under a specific rider).
Fertility, infertility, and assisted reproductive treatments.
Participation in hazardous sports or activities.
War, nuclear risks, and biological weapon-related treatments.
Experimental or unproven medical treatments.
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About the company
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FAQs
Frequently Asked Questions
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