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.

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.

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.

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.

OneAssure

Health Insurance

Zuno

Zuno Health Insurance

Get a Quote

97.3%

Claim Settlement Ratio

12,500+

Network Hospitals

6.8

Overall Rating

Zuno Health Insurance

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

Top Zuno Plans

Health Insurance

Allows family floater option for all members.
Offers no-claim bonus for claim-free years.
Includes daycare procedures not needing overnight stay.

Most Popular

Health Insurance Plus

Offers worldwide coverage for emergencies abroad.
Covers organ donor medical expenses.
Includes newborn baby cover from day one.

Health Insurance

Allows family floater option for all members.
Offers no-claim bonus for claim-free years.
Includes daycare procedures not needing overnight stay.

Most Popular

Health Insurance Plus

Offers worldwide coverage for emergencies abroad.
Covers organ donor medical expenses.
Includes newborn baby cover from day one.

Zuno Health Insurance

Other Zuno Plans

Health Top Up Insurance

Offers worldwide coverage options.
Activates after a deductible limit is crossed.
Provides additional coverage on top of your base insurance.

Health Top Up Insurance

Offers worldwide coverage options.
Activates after a deductible limit is crossed.
Provides additional coverage on top of your base insurance.

Zuno Health Insurance

About Zuno

Zuno Health Insurance

Zuno Rating

Overall Rating

6.8

out of 10

Solvency

3/4

ICR

1.7/3

Growth

2.1/3

Performance Index

Gross Direct Premium

Zuno

394.76Cr

Industry Average

1905.12Cr

ICR%

Zuno

88.45%

Industry Average

83.49%

Zuno

Industry Average

Overall Rating

6.8

out of 10

Solvency

3/4

ICR

1.7/3

Growth

2.1/3

Performance Index

Gross Direct Premium

Zuno

394.76Cr

Industry Average

1905.12Cr

Zuno

Industry Average

Performance Index

ICR%

Zuno

88.45%

Industry Average

83.49%

Zuno

Industry Average

Zuno Health Insurance

Customer Testimonials

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

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 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

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

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

Zuno Health Insurance

Pros and Cons

Pros

10,000+ cashless network hospitals across India.
Covers AYUSH, organ donor, and modern treatments like robotic surgery.
Includes maternity and newborn care in select plans.
No-claim bonus and restoration benefits enhance total cover.
High sum insured options from ₹5 Lakh to ₹1 Crore.
Wide hospitalisation covers room rent, ICU, and surgery costs included.
Tax savings under Section 80D of the Income Tax Act.

Cons

Maternity and newborn benefits available only in higher plans.
Waiting period applies for pre-existing diseases and specific treatments.
Some advanced treatments may have sub-limits or caps.
Limited add-ons compared to larger insurers.
Customer service in smaller cities may vary.

Pros

10,000+ cashless network hospitals across India.
Covers AYUSH, organ donor, and modern treatments like robotic surgery.
Includes maternity and newborn care in select plans.
No-claim bonus and restoration benefits enhance total cover.
High sum insured options from ₹5 Lakh to ₹1 Crore.
Wide hospitalisation covers room rent, ICU, and surgery costs included.
Tax savings under Section 80D of the Income Tax Act.

Cons

Maternity and newborn benefits available only in higher plans.
Waiting period applies for pre-existing diseases and specific treatments.
Some advanced treatments may have sub-limits or caps.
Limited add-ons compared to larger insurers.
Customer service in smaller cities may vary.

Zuno Health Insurance

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

Zuno Types

Individual Health Insurance

Zuno’s Individual Health Insurance is a policy that takes care of one person’s medical costs starting from hospitalisation, surgeries, and to the consumption of medicines and to the execution of the treatment in the daycare unit. It gives the customer a combination of financial and legal security during abrupt health emergencies, thus allowing the concentration to be on healing as well as the time of the hospital visit.

Family Floater Health Insurance

Zuno Family Floater Health Insurance is a type of insurance that covers the whole family with just one policy and shared sum insured. It offers a safe and cheap healthcare plan for a husband, wife, children, and parents together by taking care of hospital bills and other treatments in the case of any emergency.

Personal Accident Insurance

Zuno Personal Accident Insurance (Saral Suraksha Bima) is a scheme that grants the family financial aid for the cases of the death, disability, or injuries caused by an accident. In addition to that, it gives you assurance and comfort with the money paid for loss of income, hospital expenses, and the rest of your care.

Critical Illness Insurance

Zuno Critical Illness Insurance supports the insured with a lump sum amount when cancer, heart attack, or kidney failure is among the diagnosis of critical illnesses. The money makes it possible to cover the extravagant treatment that may be required, recovery needs, and it keeps your finance progressing during hard times.

Top-Up and Super Top-Up Plans

Zuno's Top-Up and Super Top-up Health Insurance help open ended cover for your old policy. They start functioning when the limit of your base policy has been crossed, thus giving a higher protection at a low premium, which is the best solution for a big medical bill and long treatments.

Individual Health Insurance

Zuno’s Individual Health Insurance is a policy that takes care of one person’s medical costs starting from hospitalisation, surgeries, and to the consumption of medicines and to the execution of the treatment in the daycare unit. It gives the customer a combination of financial and legal security during abrupt health emergencies, thus allowing the concentration to be on healing as well as the time of the hospital visit.

Family Floater Health Insurance

Zuno Family Floater Health Insurance is a type of insurance that covers the whole family with just one policy and shared sum insured. It offers a safe and cheap healthcare plan for a husband, wife, children, and parents together by taking care of hospital bills and other treatments in the case of any emergency.

Personal Accident Insurance

Zuno Personal Accident Insurance (Saral Suraksha Bima) is a scheme that grants the family financial aid for the cases of the death, disability, or injuries caused by an accident. In addition to that, it gives you assurance and comfort with the money paid for loss of income, hospital expenses, and the rest of your care.

Critical Illness Insurance

Zuno Critical Illness Insurance supports the insured with a lump sum amount when cancer, heart attack, or kidney failure is among the diagnosis of critical illnesses. The money makes it possible to cover the extravagant treatment that may be required, recovery needs, and it keeps your finance progressing during hard times.

Top-Up and Super Top-Up Plans

Zuno's Top-Up and Super Top-up Health Insurance help open ended cover for your old policy. They start functioning when the limit of your base policy has been crossed, thus giving a higher protection at a low premium, which is the best solution for a big medical bill and long treatments.

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 Health Insurance

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 Health Insurance

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 Health Insurance

Features Comparison

Senior Citizen Health Plan

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

Most Popular

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

Most Popular

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 Health Insurance

How to Buy Zuno?

Follow these simple steps to purchase your Zuno health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Get reminders before renewal to ensure policy continuity.
Pay premiums via cards, net banking, or other methods.
Use the grace period to avoid lapses after the deadline.
Adjust coverage to suit your evolving life needs during renewal.
Enjoy smooth renewal with minimal documentation and effort.
Stay protected without interruptions by renewing on time.

Zuno Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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.