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 Policy Wording

Policy Brochure

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97.3

Claim Settlement Ratio

12500

Network Hospitals

7.6

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Zuno Health Insurance

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...

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 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.

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

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.

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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.