How does the waiting period affect my coverage?

Zuno Health Insurance has a 30-day initial, 24-month specific disease, and 48-month pre-existing disease waiting period.

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

If no claims are made, a cumulative bonus increases the sum insured for the next year.

Will my health insurance cover treatment abroad?

Zuno Health Insurance does not provide coverage for overseas medical treatments under the standard policy.

OneAssure

Health Insurance

Zuno

Health Insurance

Zuno Health 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

7.6

Customer Rating

Policy Wording

Brochure

Get a Quote

97.3%

Claim Settlement Ratio

12500+

Network Hospitals

7.6

Customer Rating

Policy Wording

Brochure

Our Verdict

Expert Review: Zuno Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

Zuno Health Insurance offers extensive coverage with options for individuals and families. Ideal for those seeking flexible coverage, it includes maternity, critical illness, and accident protection, but has waiting periods for some benefits.

About

About Zuno Health Insurance

Zuno Health Insurance offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It caters to individuals aged 3 months and above, with no upper age limit. Key benefits include pre and post-hospitalization expenses, coverage for day care treatments, domiciliary care, AYUSH treatments, and annual health check-ups. Policyholders can access a vast network of over 12,500 cashless hospitals across India. Additionally, the plan provides tax benefits under Section 80D of the Income Tax Act.

Zuno Health Insurance offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It caters to individuals aged 3 months and above, with no upper age limit. Key benefits include pre and post-hospitalization expenses, coverage for day care treatments, domiciliary care, AYUSH treatments, and annual health check-ups. Policyholders can access a vast network of over 12,500 cashless hospitals across India. Additionally, the plan provides tax benefits under Section 80D of the...

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 ThermoplastyVaporisation 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 ThermoplastyVaporisation 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.

Pageof 3

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.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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...

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.