How does the waiting period affect my coverage?

The Zuno Health Plus plan includes a 30-day initial waiting period and pre-existing conditions are covered after 48 months.

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

If no claims are made, you earn a No Claim Bonus (NCB), increasing your sum insured without additional premium costs.

Does the Zuno Health Plus plan cover treatment abroad?

No, the Zuno Health Plus plan primarily provides coverage within India, with no standard international treatment coverage.

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Health Insurance

Zuno

Health Insurance Plus

Zuno Health Plus Policy

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

8

Customer Rating

Policy Wording

Get a Quote

97.3%

Claim Settlement Ratio

12500+

Network Hospitals

8

Customer Rating

Policy Wording

Our Verdict

Expert Review: Zuno Health Insurance

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Final Verdict

Zuno Health Plus offers comprehensive coverage with cashless treatment and AYUSH benefits. Add-ons like maternity and critical illness enhance its value, making it a reliable choice for individuals and families seeking extensive and flexible health insurance.

About

About Zuno Health Insurance

Zuno Health Plus is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It covers hospitalization expenses, pre and post-hospitalization costs, daycare treatments, and emergency ambulance services. The plan also includes benefits like cashless treatment at network hospitals and alternative treatments under AYUSH. With options for add-ons such as maternity benefits and critical illness cover, Zuno Health Plus ensures financial security against medical emergencies, making quality healthcare accessible without burdening policyholders with high expenses.

Zuno Health Plus is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It covers hospitalization expenses, pre and post-hospitalization costs, daycare treatments, and emergency ambulance services. The plan also includes benefits like cashless treatment at network hospitals and alternative treatments under AYUSH. With options for add-ons such as maternity benefits and critical illness cover, Zuno Health Plus ensures financial security against medical emergencies, making quality healthcare accessible without...

Inclusions and Exclusions

Inclusions and Exclusions of Zuno Insurance Company Limited

Room Rent

The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall 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

The Zuno Health Plus plan generally does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific conditions, a co-payment clause may apply, requiring the insured to pay a percentage of the claim amount before the insurer covers the rest.

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

The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall 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

The Zuno Health Plus plan generally does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific conditions, a co-payment clause may apply, requiring the insured to pay a percentage of the claim amount before the insurer covers the rest.

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Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for injuries or illnesses caused by self-harm, suicide attempts, or substance abuse is excluded.
Cosmetic and aesthetic procedures, including plastic surgery, unless required due to accidents or burns, are not covered.
Dental treatments, unless arising from an accidental injury, are not included.
Infertility treatments, IVF procedures, and related expenses are not covered.
Treatment for HIV/AIDS and other sexually transmitted diseases is excluded.
Injuries sustained during hazardous activities, adventure sports, or professional sports participation are not covered.
Non-medical expenses such as dietary supplements, vitamins, and health tonics are not covered unless prescribed as part of hospitalization.

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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...

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.