How does the waiting period affect my coverage?

The plan has a waiting period for pre-existing conditions and specific treatments, ensuring fair risk management and long-term sustainability.

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

If no claims are made, the policy remains active, but no additional benefits like No Claim Bonus are provided under top-up plans.

Does the Zuno Health Top-Up Insurance plan cover treatment abroad?

No, the plan only covers medical expenses incurred within India and does not provide coverage for international treatments.

How does the core top-up feature interact with my existing health insurance policy or baseline financial thresholds?

The policy incorporates a high deductible configuration that allows applicants to select an initial out-of-pocket threshold, enabling the top-up cover to activate seamlessly as a cost-effective financial backup immediately after your primary insurance limits are fully exhausted.

Under what age parameters does the policy mandate a cost-sharing co-payment on approved claims?

The policy enforces a compulsory 20% co-payment structure specifically for insured individuals who are aged above 60 years, requiring those senior policyholders to share that financial percentage layout on each subsequent medical claim

OneAssure

Health Insurance

Zuno

Health Top Up Insurance

Zuno Health Top Up 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

6.8

Customer Rating

Policy Policy Wording

Get a Quote

97.3

Claim Settlement Ratio

12500

Network Hospitals

6.8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Zuno Health Insurance

Final Verdict

Zuno Health Top-up offers affordable extra coverage over existing policies, with a high deductible and options like critical illness and maternity add-ons. It's ideal for those seeking cost-effective enhanced protection against large medical expenses.

About

About Zuno Health Insurance

Zuno Health Top-up Insurance is a cost-effective plan designed to provide additional coverage beyond your existing health insurance policy. It acts as a financial backup when your primary policy’s sum insured is exhausted. With a high deductible option, it ensures lower premiums while offering extensive coverage for hospitalization, surgeries, and critical illnesses. The plan includes benefits like cashless hospitalization, pre and post-hospitalization expenses, and daycare treatments. It is ideal for individuals and families looking for enhanced medical protection at an affordable cost.

Zuno Health Top-up Insurance is a cost-effective plan designed to provide additional coverage beyond your existing health insurance policy. It acts as a financial backup when your primary policy’s sum insured is exhausted. With a high deductible option, it ensures lower premiums while offering extensive coverage for hospitalization, surgeries, and critical illnesses. The plan includes benefits like cashless hospitalization, pre and post-hospitalization expenses, and daycare treatments. It is ideal for individuals and families looking for...

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

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

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

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

A compulsory co-payment of 20% applies to each claim for insured persons aged above 60 years.

Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Medical expenses incurred within the initial 30 days of the policy, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or conditions caused by substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Infertility treatments, assisted reproductive techniques, and related procedures.

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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...