Zuno Gold Health Insurance

The Zuno Gold Health Insurance Plan is brought to you by Zuno General Insurance Company Limited. This plan is here to be your financial safeguard when it comes to health. This comprehensive plan is filled with an ample number of benefits and features, carefully designed to fit your family's unique health needs.

Zuno Gold Health Insurance policy has some standout features that set it apart from the crowd. For starters, if you're diagnosed with a critical illness listed in the policy, your insurance coverage automatically goes up. Plus, if you manage to stay healthy and not make a claim during the first year, you have the option to skip the premium for the next year.

In short, the Zuno Gold Health Insurance plan promises to cover the bills when you or your family need hospital care, making sure your savings stay safe and sound.

Zuno Gold Health Insurance At a Glance

Highlights of Zuno Health Insurance Policy are mentioned below in the table:

Coverage	Both individual and floater
Riders	Zuno Health 241
Variants	N/A
Key features	Wide Coverage, Automatic Sum Increase on Critical illness, etc
Inclusion	ICU Charges, Day Care Charges, and more
Exclusion	Cosmetic Surgery, Childbirth, Suicide, etc.

Riders Available With Zuno Gold Health Insurance

The Zuno Health 241 add-on makes your Zuno Gold health insurance plan even better.

Here's how it works - If the first year of your insurance goes by without any health problems and you don't ask for any money from us, we'll give you extra coverage for the next year, and you won't have to pay anything more for it. It's like a little bonus for being healthy!

Key Features of Zuno Gold Health Insurance Plan

The following are the key features of the Zuno Gold Health Insurance Plan:

• Number of People Covered: This plan is designed to cover up to 8 individuals, all of whom should have an insurable connection to the policyholder.
• Automatic Sum Increase on Critical Illness: If you are diagnosed with a critical illness listed in the policy document, the base sum insured will automatically increase by 50%. This additional coverage can provide extra financial support during tough times.
• First Renewal Premium Waiver: You have the option to waive off the first renewal premium if you don't claim during the first policy year. This feature can help you save on your insurance costs.
• Wide Coverage: This health insurance plan by Zuno is designed to cover a wide array of medical expenses and health-related situations. This might include coverage for hospitalization, doctor's visits, surgeries, and prescriptions
• High Claim Settlement Satisfaction: This insurance provider has received fewer complaints regarding claim settlement compared to other insurers, indicating a track record of customer satisfaction in this aspect.

Eligibility Criteria of Zuno Gold Health Insurance Plan

The eligibility criteria for the Zuno Gold Health insurance plan are as follows:

Parameters	Eligibility Criteria
Minimum entry age	For adults - 18 years For children - 3 months
Maximum entry age	65 years
Number of people covered	Maximum of 8 individuals who can have a valid insurable connection with the policyholder.
Sum insured	Rs. 5 lakhs to Rs. 20 lakhs

Benefits of Zuno Gold Health Insurance Plan

The benefits of the Zuno Gold Heath Insurance Plan are listed below:

• Cumulative Bonus: If you stay healthy and don't make any claims in a year, your policy gets a reward. The amount it can cover increases by up to double. But if you do make a claim, this bonus gets cut in half.
• Health Check-Up: If you're 18 or older and don't need to make a claim, you'll also get a free health check-up each year. It's like a yearly health check as a bonus.
• Recovery Benefit: If you're in the hospital for a long time, from the 11th day to the 20th day, you get extra money for your recovery. It's like a daily allowance to make your stay more comfortable.
• Shared Accommodation: If you share a hospital room with someone, the policy gives you extra money for that. This helps cover the cost of your shared room.
• Critical Illness Coverage: If you're diagnosed with a severe illness/ critical illness for the first time, the policy can increase the amount it covers by 50%. It's like an extra shield for tough times.
• Restoration Benefit: If you use up all the money in your policy, don't worry. The plan can refill it, up to a certain limit. It's like a safety net for your insurance coverage.

Inclusions of Zuno Gold Health Insurance Plan

Inclusions of the Zuno Gold Health Insurance plan are mentioned below:

• Hospitalisation Expenses: If you need to stay in the hospital for treatment, the plan will cover the costs, up to the limit specified in your policy. Whether it's surgery, tests, or other medical services, this plan has you covered.
• Room Rent Limit: This plan pays for the cost of a standard private room. The good news is that there's no limit on how much the room can cost. So, you can rest in comfort without worrying about room expenses.
• ICU Charges: In some cases, your medical condition may require intensive care in the ICU. If your doctor advises this, the ZUNO Gold Health Plan covers the charges for ICU treatment. The best part is that there's no limit on these charges, so you can receive the necessary care without financial stress.
• Pre-hospitalisation: Before being admitted to the hospital, you might need some medical treatment. This plan also covers these pre-hospitalization expenses. You can get your treatment covered for up to 60 days before your hospital admission, up to the specified coverage limit.
• Post-hospitalisation: Your medical journey doesn't end when you leave the hospital. The ZUNO Gold Health Plan continues to support you by covering post-hospitalization expenses. It helps pay for your medical treatment for up to 90 days after leaving the hospital, up to the specified coverage limit.
• Day Care: Sometimes, certain medical conditions can be treated in less than 24 hours, and you won't need a prolonged hospital stay. The ZUNO Gold Health Plan covers expenses for such treatments up to the coverage limit.
• Ambulance Cover: In emergencies where you need an ambulance to get to the hospital, this plan offers coverage. It pays up to Rs 3000 for each hospitalization, helping you get the necessary medical attention without worrying about the ambulance costs.
• Organ Donor Cover: If you or someone else decides to donate an organ, this plan has you covered. It includes expenses related to organ donation, up to Rs 1 lakh.
• Domiciliary Hospitalisation: In some cases, you might receive necessary medical care at home instead of being in a hospital. This plan covers the costs associated with domiciliary hospitalization, ensuring that you receive the required care, even if you're not in a hospital.
• AYUSH Cover: The ZUNO Gold Health Plan isn't limited to conventional allopathic treatments. It also covers non-allopathic treatments like Ayurveda, Homeopathy, Siddha, and other alternative therapies, up to the specified coverage limit.

Exclusions of Zuno Gold Health Insurance Plan

The exclusions in the ZUNO Health Gold Plan are as follows:

• Suicide: If someone insured by this plan intentionally harms themselves, the plan won't cover it.
• Cosmetic Surgery: It won't pay for surgeries that are purely for cosmetic purposes.
• Childbirth: If you're having a baby, this plan won't cover the costs related to childbirth.
• Participation in Dangerous Activities: If you get hurt while doing something really risky, like extreme sports or dangerous hobbies, this plan might not cover those injuries.
• Out-patient Department: If you visit a hospital or clinic but don't get admitted as an inpatient, this plan won't pay for those outpatient visits.
• Hospitalisation due to Substance Abuse: If you end up in the hospital because of drug or alcohol abuse, this plan won't cover those hospitalisation costs.

Documents Required to Buy Zuno Gold Health Insurance Plan

To purchase the Zuno Gold Health Insurance Plan, you'll need to provide the following documents:

• Duly filled Application Form
• Identity proof such as Aadhar card, Passport, Voter ID, or Driver's license.
• Age proof, like Birth Certificate, School Leaving Certificate, or Passport.
• Address proof, which could be Utility Bills, Rental Agreement, or your Aadhar Card.
• Passport-sized Photographs
• Pre-policy health check-up reports might be required in some cases.
• Any other documents that the insurer might request.

How to Buy Zuno Gold Health Insurance Plan?

Here's how you can purchase the Zuno Gold Health Insurance Plan through InsuranceDekho:

Step 1: Go to the official InsuranceDekho website and click on “Health Insurance” under the Insurance tab.

Step 2: Choose "Zuno Health Insurance" from the list of Health Insurance Companies.

Step 3: Now, click on "Zuno Gold Health" plan from the available list of health insurance plans.

Step 4: Read the terms and conditions provided in the Zuno Gold Health policy document carefully.

Step 5: Upload all the necessary documents to complete the KYC process.

Step 6: After completing KYC, proceed to make the premium payment online.

Step 7: You'll receive the policy document at your registered email address.

Claim Process of Zuno Gold Insurance Plan

You can claim the Zuno Gold Health Insurance plan in two ways:

Cashless Claim

• Go to a hospital that works with Zuno Health.
• Give them your Zuno Gold Health plan information and other needed details.
• Hand in the necessary papers, and the insurance company will send a form to approve the expenses.
• After checking the documents, the insurance company will pay the hospital directly.

Reimbursement Claim

• Pick a nearby hospital that's in Zuno Health's network.
• Pay your medical bills there.
• Ask for a reimbursement claim on the insurance company's website.
• Provide the Zuno Gold Health claim form and all the plan information.
• Once the insurance company reviews it, they will give you back the money you spent on medical expenses.

Frequently Asked Questions

Q1. Can you purchase the ZUNO Health Gold Insurance Plan online?

Ans: Yes, you can buy the ZUNO Health Insurance policy online.

Q2. What's the highest amount the plan covers?

Ans: The maximum coverage amount of this health insurance plan by ZUNO is Rs 20 lakh.

Q3. How long can I have ZUNO Gold Health Insurance?

Ans: You can choose a policy duration of 1, 2, or 3 years.

Q4. How often do I need to pay the premium for this plan?

Ans: This plan requires a one-time premium payment.

Q5. What is the minimum and maximum entry age for an adult under the Zuno Gold Health Insurance Plan?

Ans: The minimum and maximum entry age for an adult under the Zuno Gold Health Insurance Plan is 18 years and 65 years.