Zuno Health Insurance
Zuno
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent Flexibility
Coverage for a single private room and full ICU expenses ensures stress-free hospitalization.
Comprehensive Advanced Treatments
Covers robotic surgery, stem cell therapy, and other modern medical procedures up to the sum insured.
Policy Wording
Brochure
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Coverage for a single private room.
- ICU: Expenses covered up to the sum insured.
- Normal: Coverage for a single private room.
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.
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.
Non-medical expenses like hospital admission charges, toiletries, and administrative costs.
Dental treatment unless due to an accident.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 company in the spotlight for its innovation, technology, and customer delight focus.
About the Company
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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.
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.
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