What does ZUNO Health Insurance generally cover?

ZUNO covers hospitalisation costs, day-care procedures, pre- and post-hospitalisation expenses, ambulance charges, room rent, ICU costs, and many modern treatments depending on the chosen plan.

Does ZUNO offer cashless treatment?

Yes, ZUNO provides cashless treatment at thousands of network hospitals across India. You simply need your health ID or policy details at the hospital desk.

Are pre-existing diseases covered under ZUNO?

Yes, pre-existing diseases are covered after completing the mandatory waiting period, which usually ranges from 2 to 4 years depending on the plan.

Does ZUNO cover AYUSH treatments?

Most ZUNO plans include AYUSH coverage, which means treatments under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy are covered up to specified limits.

Are day-care procedures included?

Yes, ZUNO covers numerous day-care procedures that don’t require 24-hour hospitalisation, such as cataract surgery, minor fractures, and dialysis.

Does ZUNO cover modern and advanced medical treatments?

Many advanced treatments like robotic surgery, stem cell therapy (for approved conditions), and modern minimally invasive procedures are covered as per policy terms.

Are maternity and newborn expenses covered?

Some ZUNO plan variants provide maternity cover, which includes delivery expenses and newborn care benefits—but only after completing the maternity waiting period.

Does ZUNO provide coverage for organ donor expenses?

Yes, donor medical and surgical costs during organ transplantation are covered under eligible plans, subject to policy terms.

Is consumables coverage included?

Some ZUNO plans cover consumables such as gloves, syringes, PPE kits, and bandages. Others may require an add-on to cover these items fully.

Does ZUNO offer mental health coverage?

Yes, ZUNO covers mental health hospitalisation expenses, including psychiatric treatments, as per IRDAI guidelines.

Are OPD (outpatient) expenses covered?

OPD cover is not included by default in all plans. It is available in select ZUNO plans or can be added as an optional benefit depending on the variant.

What is not covered under ZUNO Health Insurance?

ZUNO generally excludes cosmetic surgeries, self-inflicted injuries, substance abuse treatments, infertility treatments, and illnesses arising from war or nuclear activities.

Does ZUNO cover home treatment or domiciliary care?

Yes, certain plans cover domiciliary treatment when hospitalisation isn’t possible or recommended, but it varies by plan type.

Are preventive health check-ups included?

Many ZUNO plans offer annual or periodic preventive check-ups to help customers track and manage their health proactively.

Can I increase my coverage after buying the policy?

Absolutely. You can enhance your sum insured or add riders during renewal. ZUNO may require a short waiting period or medical check-up for upgrades.

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97.30%

Claim Settlement Ratio

12500+

Network Hospitals

Cover up

Cover up to 5 Crore

97.30%

Claim Settlement Ratio

12500+

Network Hospitals

Cover up

Cover up to 5 Crore

ZUNO Health Insurance & Coverage Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

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

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

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

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

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

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

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

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: ZUNO Health Insurance Coverage

Pros

Affordable premiums, especially for young buyers.

Useful features like wellness rewards and cashless hospitalisation.

Flexible sum insured options for individuals and families.

Digital-first experience with quick purchase and easy app-based claims.

Cons

Some sub-limits and exclusions need careful review.

Network hospital coverage could be wider.

Shorter market presence may concern long-term buyers.

Fewer plan variants compared to major insurers.

Pros

Affordable premiums, especially for young buyers.

Useful features like wellness rewards and cashless hospitalisation.

Flexible sum insured options for individuals and families.

Digital-first experience with quick purchase and easy app-based claims.

Cons

Some sub-limits and exclusions need careful review.

Network hospital coverage could be wider.

Shorter market presence may concern long-term buyers.

Fewer plan variants compared to major insurers.

Final Verdict

Zuno Health Insurance is a smart pick for customers who value simplicity, transparency, and digital convenience. Its app-driven services, wellness benefits, and competitive pricing make it particularly appealing to young individuals and small families. While the coverage is solid, the insurer’s limited plan choices and evolving hospital network mean it...

Zuno Health Insurance is a smart pick for customers who value simplicity, transparency, and digital convenience. Its app-driven services, wellness benefits, and competitive pricing make it particularly appealing to young individuals and small families. While...

Key Coverages & Benefits Offered Under ZUNO Health Insurance

Get a clear picture of what ZUNO Health Insurance covers and what it doesn’t, helping you pick the right plan with complete confidence.

Inclusions

Modern treatments like robotic surgery and advanced procedures (as per plan terms).

Organ donor expenses related to transplant surgery.

AYUSH in-patient treatments (Ayurveda, Homeopathy, Unani, Siddha).

Domiciliary treatment when hospitalisation isn’t possible.

Day-care procedures that don’t need 24-hour hospitalisation.

Pre- & post-hospitalisation expenses covered for specified durations.

In-patient hospitalisation including room rent, ICU, nursing, doctor fees, and treatment.

Exclusions

Rest cure, rehabilitation, and observation-only admissions excluded.

Non-approved or unregistered hospitals and practitioners not covered.

STDs and related treatments not covered.

Cosmetic and plastic surgery unless medically required due to an accident.

Infertility, IVF, and reproductive treatments permanently excluded.

Specified illness waiting periods for cataract, hernia, arthritis, etc.

Initial 30-day waiting period for illnesses (accidents covered from day one).

Inclusions

Modern treatments like robotic surgery and advanced procedures (as per plan terms).

Organ donor expenses related to transplant surgery.

AYUSH in-patient treatments (Ayurveda, Homeopathy, Unani, Siddha).

Domiciliary treatment when hospitalisation isn’t possible.

Day-care procedures that don’t need 24-hour hospitalisation.

Pre- & post-hospitalisation expenses covered for specified durations.

In-patient hospitalisation including room rent, ICU, nursing, doctor fees, and treatment.

Exclusions

Rest cure, rehabilitation, and observation-only admissions excluded.

Non-approved or unregistered hospitals and practitioners not covered.

STDs and related treatments not covered.

Cosmetic and plastic surgery unless medically required due to an accident.

Infertility, IVF, and reproductive treatments permanently excluded.

Specified illness waiting periods for cataract, hernia, arthritis, etc.

Initial 30-day waiting period for illnesses (accidents covered from day one).

Claims Process

How to file Zuno claims?

ZUNO Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in ZUNO Health Insurance

Pre- & Post-Hospitalisation Coverage

Lower variants offer shorter durations, while higher plans extend these significantly to ensure broader protection before and after treatment.

Organ Donor & Advanced Treatment Cover

Entry-level plans may offer limited coverage, whereas mid and top-tier plans cover higher donor expenses and advanced modern procedures.

No-Claim Bonus (NCB)

Basic plans provide smaller yearly bonuses, while premium variants offer larger NCB boosts that quickly enhance your total sum insured.

Pre- & Post-Hospitalisation Coverage

Lower variants offer shorter durations, while higher plans extend these significantly to ensure broader protection before and after treatment.

Organ Donor & Advanced Treatment Cover

Entry-level plans may offer limited coverage, whereas mid and top-tier plans cover higher donor expenses and advanced modern procedures.

No-Claim Bonus (NCB)

Basic plans provide smaller yearly bonuses, while premium variants offer larger NCB boosts that quickly enhance your total sum insured.

How to Choose

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in ZUNO Health Insurance?

A waiting period is the mandatory duration you must complete before certain treatments or illnesses become eligible for claims under ZUNO health insurance. Claims for conditions under this period will not be accepted until it ends.

Initial Waiting Period

Zuno imposes a 30-day waiting period for all illnesses from the policy start date. However, this doesn’t apply to accidents.

Pre-Existing Disease (PED) Waiting Period

The waiting period depends on the plan variant:

Silver: 48 months
Gold: 36 months
Platinum: 24 months

(These apply only if the PED was declared at the time of policy purchase.)

Specified Diseases / Procedure Waiting Period

For a defined list of conditions (like arthritis, hernia, cataract, ENT surgery, etc.), there’s a 24-month waiting period after the policy begins.

Maternity Waiting Period

For plans that include maternity benefits (Gold and Platinum), the waiting period is 4 years.

Initial Waiting Period

Zuno imposes a 30-day waiting period for all illnesses from the policy start date. However, this doesn’t apply to accidents.

Pre-Existing Disease (PED) Waiting Period

The waiting period depends on the plan variant:

Silver: 48 months
Gold: 36 months
Platinum: 24 months

(These apply only if the PED was declared at the time of policy purchase.)

Specified Diseases / Procedure Waiting Period

For a defined list of conditions (like arthritis, hernia, cataract, ENT surgery, etc.), there’s a 24-month waiting period after the policy begins.

Maternity Waiting Period

For plans that include maternity benefits (Gold and Platinum), the waiting period is 4 years.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under ZUNO Health Insurance

Diseases Covered

Kidney, Gallbladder & Abdominal Conditions

Benign Tumours & Cysts

ENT Disorders

Joint, Knee & Orthopaedic Conditions

Hernia, Piles & Fissure Treatments

Cataract & Eye-Related Ailments

Hypertension & Cardiac Illnesses

Diabetes & Related Complications

Diseases Not Covered

War, Riot or Hazardous Activities

Experimental or Unproven Treatments

Rest, Rehabilitation & Custodial Care

Self-Inflicted Injuries

Sexually Transmitted Infections

Conditions Caused by Alcohol or Drug Abuse

Cosmetic or Elective Surgery

Infertility & Assisted Reproduction

Diseases Covered

Kidney, Gallbladder & Abdominal Conditions

Benign Tumours & Cysts

ENT Disorders

Joint, Knee & Orthopaedic Conditions

Hernia, Piles & Fissure Treatments

Cataract & Eye-Related Ailments

Hypertension & Cardiac Illnesses

Diseases Not Covered

War, Riot or Hazardous Activities

Experimental or Unproven Treatments

Rest, Rehabilitation & Custodial Care

Self-Inflicted Injuries

Sexually Transmitted Infections

Conditions Caused by Alcohol or Drug Abuse

Cosmetic or Elective Surgery

Pre-existing Diseases

Pre-Existing Diseases Covered Under ZUNO Health Insurance

Diabetes (Type 1 & Type 2)

Covers complications such as neuropathy, retinopathy, and diabetic foot once the waiting period is over.

Hypertension

Includes treatment for high blood pressure and related heart, kidney, or vascular complications.

Thyroid Disorders

Both hyperthyroidism and hypothyroidism are covered after the mandatory waiting period.

Asthma & Chronic Respiratory Conditions

Respiratory illnesses like chronic bronchitis and asthma are included once PED criteria are met.

Arthritis & Orthopaedic Disorders

Covers osteoarthritis, rheumatoid arthritis, and joint-related complications as per policy terms post-waiting period.

Gastric & Digestive Conditions

Chronic issues like GERD, ulcers, and other long-term digestive diseases are covered after the waiting period.

Heart Diseases

Conditions such as coronary artery disease, previous stenting, or bypass surgery are included once eligible for PED coverage.

Kidney & Liver Diseases

Chronic kidney disease, liver cirrhosis, hepatitis-related issues, and similar long-term conditions are covered as per plan rules.

Diabetes (Type 1 & Type 2)

Covers complications such as neuropathy, retinopathy, and diabetic foot once the waiting period is over.

Hypertension

Includes treatment for high blood pressure and related heart, kidney, or vascular complications.

Thyroid Disorders

Both hyperthyroidism and hypothyroidism are covered after the mandatory waiting period.

Asthma & Chronic Respiratory Conditions

Respiratory illnesses like chronic bronchitis and asthma are included once PED criteria are met.

Arthritis & Orthopaedic Disorders

Covers osteoarthritis, rheumatoid arthritis, and joint-related complications as per policy terms post-waiting period.

Gastric & Digestive Conditions

Chronic issues like GERD, ulcers, and other long-term digestive diseases are covered after the waiting period.

Heart Diseases

Conditions such as coronary artery disease, previous stenting, or bypass surgery are included once eligible for PED coverage.

Kidney & Liver Diseases

Chronic kidney disease, liver cirrhosis, hepatitis-related issues, and similar long-term conditions are covered as per plan rules.

Customize Plan Options

How to Customize ZUNO Health Insurance for Maximum Coverage

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ZUNO Health Insurance & Coverage Benefits

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Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

FAQs Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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