Zuno Health Insurance

Zuno General Insurance is a subsidiary of Zuno Financial Services Limited. It came into existence in 2017 with an objective to provide customers with insurance products based on actual needs and services which are swift, smooth, and satisfactory. The insurer has been delivering the best insurance solutions like health insurance, motor insurance, fire insurance, engineering insurance, home insurance, loan protection, marine insurance, driver-based insurance, and commercial insurance.

Zuno General Insurance takes immense pride in offering health insurance policies for individuals and families at affordable rates. The insurer abides by all the laws and regulations while processing its functions. The insurance provider has been awarded various awards such as SAP Ace Award, SAP – Process Innovation 2018, and Mint – SAP Digitalist Award 2018 for delivering the best insurance-related services to its customers and policyholders.

Here are the top Zuno Health Insurance Plans offered for you:

1. Zuno Health Insurance Plan – Zuno Health Insurance Plan is designed with a holistic approach to cover individuals as well as families. The policy is available with three variants such as Silver Plan, Gold Plan and Platinum Plan. The minimum age and maximum age of entry under these three variants range from 3 months to no age limit with lifelong renewability option. The sum insured options of this policy starts from Rs. 1 lakh and goes up to Rs. 1 crore. The plan is available with 1 year, 2 years and 3 years of policy term with a compulsory co-payment of 20% for insured persons above 60 years. The salient benefits of this plan include Hospitalization expenses, Day care treatment, AYUSH treatment, Maternity Benefit, Hospital cash, Critical illness cover, etc.

2. Zuno Arogya Sanjeevani Insurance Plan – The Zuno Arogya Sanjeevani Insurance Plan is an affordable health scheme to offer medical coverage to more and more people. The sum insured amount of this plan ranges from Rs. 1 lakh to Rs. 5 lakh. It covers the people from 3 months up to 65 years, which can be extended with the lifetime renewability coverage. It can cover a maximum of up to 8 members that can comprise self, spouse, children, parents, parents-in-law. The plan comes with 1 year of policy term but provides various premium payment options like yearly, half-yearly, quarterly, and monthly. The policy holds several benefits such as Hospitalization expenses, Pre-hospitalisation and Post-hospitalisation expenses, Cataract treatment, AYUSH treatment, Cumulative bonus and so on.

Policyholders can avail the tax benefits up to the sum insured amount of their health insurance plans as per section 80D of the Income Tax Act. Below are the tax benefit details which can be availed with the Zuno health insurance plans.

Here are the prominent benefits offered under the Zuno health insurance plans:

• Compassionate Visit - The insurer will arrange the visit of a family member or a friend of the insured person within India if the insured person is hospitalised for more than seven consecutive days and is travelling in India without a companion.
• Emergency Medical Evacuation - The insurer arranges transportation under appropriate medical supervision to the nearest medical facility, capable of providing the required care within India if any adequate medical facility is not available in the vicinity of the insured person.
• Second Medical Opinion - The insurer will arrange for a second medical opinion for the insured person when his or her medical condition could not be accurately diagnosed by the treating doctor or if he or she seeks an additional medical opinion following a diagnosis.
• Restoration of Sum Insured - The insurance provider will restore 100% of the sum insured once in a policy year on the indemnity basis if the sum insured falls insufficient due to claims payable during the policy year.
• Lifelong Renewability - This benefit allows policyholders of the insurer to stay associated with the health insurance plan and avail its benefits for a lifetime. The benefit provides a policy renewal option without any exit age.

Policyholders can avail the below inclusions under the Zuno health insurance plans:

• In-patient Hospitalisation Expenses - It is the coverage for medical expenses incurred on the treatment of injuries or illnesses that require hospitalisation for at least 24 hours. The coverage may comprise doctor’s fees, medicine costs, medical test costs, etc.
• Day Care Treatment - The insurer offers compensation for medical expenses incurred on day care treatment or procedures that do not require more than 24 hours due to technological advancement. The insurance provider covers 388-day care procedures.
• Organ Donor Cover - The benefit provides compensation for the medical expenses incurred for an organ donor’s in-patient treatment for the harvesting of the donated organ up to maximum Rs. 2 lakh.
• AYUSH Treatment - It refers to the coverage for the medical expenses incurred on the treatment of an insured person under Ayurveda, Unani, Siddha and Homeopathy (AYUSH) through in-patient hospitalisation in a government hospital or and/or accredited by Quality Council of India/National Accreditation Board on Health.
• Maternity Benefit - It gives coverage for the delivery of a child limited to maximum 2 deliveries and medically necessary and lawful termination of pregnancy of an insured person of above 18 years after completion of a waiting period of 48 months of continuous coverage.

What All Is Not Covered Under Zuno Health Insurance Policies?

Policyholders can not avail the below exclusions under Zuno health insurance plans:

• Acupressure Treatment - Any treatment related to acupressure, acupuncture, magnetic and such other therapies will not be covered by the insurance provider.
• Warlike Incidents - Medical expenses incurred on the treatment of injuries or illnesses sustained due to war, warlike occurrence, invasion, acts of foreign enemies, civil war, etc., are not covered by the insurer.
• Self-Inflicting Actions - Treatment costs of injuries or illnesses suffered due to the act of self-destruction or self-inflicted, attempted suicide or suicide will not be covered.
• Hair Fall Treatments - No coverage is offered for alopecia wigs and/or toupee and all hair or hair fall treatment and products by the insurance provider to its policyholders.
• Sex Change Operations - The insurance provider will not cover any treatment or surgery for change of sex or gender reassignments including any complication arising from these treatments.

All the inclusions and exclusions mentioned-above may vary from plan to plan offered by Zuno Health Insurance.

Zuno health insurance policies come with the following policy terms, which may vary from plan to plan:

Policyholders can buy best health insurance policies offered by Zuno Health Insurance through online and offline methods at InsuranceDekho.

Buy Zuno Health Insurance Policy Online at InsuranceDekho

Here are the steps to buying an Zuno health insurance policy at InsuranceDekho:

Step 1: Visit the website of InsuranceDekho, i.e, www.insurancedekho.com and click on the ‘Health’ tab.

Step 2: Select your Gender. Then, enter your Name and Mobile Number. You will get an OTP, please enter that.

Step 3: Select the time from the drop-down options as to when you want to buy the insurance policy. Click on ‘View Instant Quotes’ to move further.

Step 4: Select the family members you want to add in the health insurance plan and click on the ‘Continue’ button.

Step 5: Select the age of the family members you have added in the policy and click on the ‘Continue’ button.

Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Multiple insurance plan quotes will appear as per your selections. Select the one that best suits your requirements.

Step 7: Select the policy term of the selected health insurance policy. Fill the required details and make the payment to complete the purchase process.

Buy Zuno Health Insurance Policy Offline at InsuranceDekho

To buy an Zuno health insurance plan offline at InsuranceDekho, you can get in touch with us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday). For any assistance, you can also write to us at customersupport@insurancedekho.com.

The renewal process keeps you connected with the health insurance plan with which you can continue to avail the benefits of Zuno health insurance plans. With this procedure, you can make certain modifications in your policy such as modify the sum insured, opt for add-ons, etc.

Following are the steps to renew Zuno health insurance plans:

Step 1: Visit the website of Zuno General Insurance, i.e., www.edelweissinsurance.com. Click on the ‘Renewal’ tab and select the ‘Health’ option.

Step 2: Enter the Policy Number and Date of Birth of the Proposer, then click on the ‘Proceed’ button.

Step 3: Review the details of health insurance plans and premium amount to proceed for the renewal

Step 4: Make payment for the amount of health insurance policy online through the payment gateway of the insurance provider.