Zuno Health Plus Policy
Zuno
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
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
Includes modern procedures like robotic surgery, stem cell therapy, and high-intensity ultrasound, covered up to the sum insured.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
War, nuclear threats, or terrorism-related medical expenses are not covered under the policy.
Expenses related to maternity, childbirth, and neonatal care may be excluded unless covered under a specific add-on.
Exclusions
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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 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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