What does Zuno Health Insurance cover?

Zuno Health Insurance covers hospitalisation expenses, doctor’s fees, room rent, medicines, surgeries, and diagnostic tests, depending on the policy you choose.

Does Zuno Health Insurance cover pre-existing diseases?

Yes, pre-existing diseases are covered after a waiting period. The duration may vary depending on the plan.

Is maternity covered under Zuno Health Insurance?

Some Zuno health plans cover maternity expenses, including delivery and newborn care, after a waiting period.

Does Zuno Health Insurance cover COVID-19 treatment?

Yes, hospitalisation and treatment costs for COVID-19 are covered as per policy terms.

Can I get coverage for day-care procedures?

Yes, Zuno Health Insurance covers several day-care procedures that do not require 24-hour hospitalisation.

How do I file a claim with Zuno Health Insurance?

You can file a claim online through the Zuno website or mobile app, or offline by contacting the claims team directly.

What documents are needed to make a health insurance claim?

You’ll need hospital bills, discharge summary, doctor’s prescriptions, and diagnostic reports along with your policy details.

How does the cashless claim process work?

If you are admitted to a network hospital, Zuno settles the bill directly with the hospital after approval, so you don’t need to pay upfront.

What if the hospital is not in Zuno’s cashless network?

You can go for reimbursement claims where you pay the hospital first and later submit bills to Zuno for repayment.

How long does it take for a claim to be processed?

Cashless claims are usually approved within a few hours, while reimbursement claims may take 7–14 working days.

What is a waiting period in health insurance?

A waiting period is the time you must wait after buying the policy before certain illnesses or conditions are covered.

What does ‘pre-existing disease’ mean?

It refers to any health condition or illness you had before buying your health insurance policy.

What is a cashless hospital network?

It’s a list of hospitals tied up with Zuno where you can get treatment without paying bills directly, as the insurer settles them.

What is a co-payment in health insurance?

Co-payment means you share a part of the hospital bill while the rest is paid by Zuno.

What does sum insured mean?

It is the maximum amount Zuno will pay in a year for hospitalisation and medical expenses under your policy.

How can I buy Zuno Health Insurance?

You can buy it online through Zuno’s website or app, or via authorised agents and partners.

Can I add family members to my Zuno Health Insurance plan?

Yes, Zuno offers family floater policies where you can include your spouse, children, and parents.

Can I increase my sum insured later?

Yes, you can enhance your sum insured at the time of policy renewal.

Does Zuno Health Insurance offer tax benefits?

Yes, premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

What happens if I forget to renew my policy on time?

You get a grace period (usually 30 days) to renew. If missed, your policy lapses and you lose coverage benefits.

OneAssure

Health Insurance

Zuno

Health Insurance Plans

Zuno Health Insurance Plans

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97.3%

Claim Settlement Ratio

12,500+

Network Hospitals

6.8

Overall Rating

Zuno

Our Verdict About Zuno Health Insurance

Zuno Health Insurance (also called Zuno Medical Insurance) is one of the new-age, digital-first insurance providers in India. It offers comprehensive health plans with benefits like maternity cover, global treatment options.

What We Like

Easy online purchase and fast claim process

Restoration and no-claim bonus benefits

Covers daycare, AYUSH, and domiciliary treatments

Sum insured options from ₹1 lakh to ₹1 crore

Areas of Improvement

Sub-limits and co-payment in select plans

Waiting periods for pre-existing diseases (24–48 months)

What We Like

Easy online purchase and fast claim process

Restoration and no-claim bonus benefits

Covers daycare, AYUSH, and domiciliary treatments

Sum insured options from ₹1 lakh to ₹1 crore

Areas of Improvement

Sub-limits and co-payment in select plans

Waiting periods for pre-existing diseases (24–48 months)

Final Verdict

ZUNO Health Insurance delivers good value and flexibility for most individuals and families who are looking for a modern, reasonably priced health cover with a wide choice of plans and features. It is especially well-suited for those who want the option to scale up cover, make use of online tools,...

ZUNO Health Insurance delivers good value and flexibility for most individuals and families who are looking for a modern, reasonably priced health cover with a wide choice of plans and features. It is especially well-suited...

Zuno Health Insurance Plans

Health Insurance Plus

Health Top Up Insurance

Health Insurance Plus

Health Top Up Insurance

Zuno

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

Why Choose Magma Health Insurance?

Comprehensive Coverage Options

A selection of plans — individual, family floater, senior citizen, and high sum insured.

Wide Network of Hospitals

Over 7500 hospitals in India are included in the network for cashless treatments that are easy and fast, making care and treatment possible without financial difficulties.

Fast and Hassle-Free Claims

A claim process that is simple and transparent. Most claims are paid in 2 to 5 working days for speedy support.

Flexible Policy Benefits

Increase the coverage, add the family, or select add-ons like critical illness or top-up covers that suit your lifestyle and health needs.

Reliable Customer Assistance

Constant customer support and personalized assistance through every step — from purchase to renewal and claim settlement — are all available 24×7.

Tax Benefits Under Section 80D

Securing your family’s health with premium deductions under Section 80D of the Income Tax Act saves your income tax and costs on health insurance.

Comprehensive Coverage Options

A selection of plans — individual, family floater, senior citizen, and high sum insured.

Wide Network of Hospitals

Over 7500 hospitals in India are included in the network for cashless treatments that are easy and fast, making care and treatment possible without financial difficulties.

Fast and Hassle-Free Claims

A claim process that is simple and transparent. Most claims are paid in 2 to 5 working days for speedy support.

Flexible Policy Benefits

Increase the coverage, add the family, or select add-ons like critical illness or top-up covers that suit your lifestyle and health needs.

Reliable Customer Assistance

Constant customer support and personalized assistance through every step — from purchase to renewal and claim settlement — are all available 24×7.

Tax Benefits Under Section 80D

Securing your family’s health with premium deductions under Section 80D of the Income Tax Act saves your income tax and costs on health insurance.

Documents Required

Identity Proof

Such as Aadhaar Card, PAN Card, or Passport.

Address Proof

Accepted documents include Electricity Bill, Voter ID, or any valid government-issued proof.

Age Proof

You can submit your Birth Certificate, Driving License, or any valid ID mentioning date of birth.

Recent Passport-Size Photos

Required for policy records and verification.

Income Proof

Needed only for high coverage plans, such as salary slips, ITR, or Form 16 (if applicable).

Identity Proof

Such as Aadhaar Card, PAN Card, or Passport.

Address Proof

Accepted documents include Electricity Bill, Voter ID, or any valid government-issued proof.

Age Proof

You can submit your Birth Certificate, Driving License, or any valid ID mentioning date of birth.

Recent Passport-Size Photos

Required for policy records and verification.

Income Proof

Needed only for high coverage plans, such as salary slips, ITR, or Form 16 (if applicable).

Zuno

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Zuno

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

1-5 of 6 Process

Zuno Network Hospitals

12,500

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

12,500

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Zuno

Features Comparison

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

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

Zuno

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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.