Health insurance
Top-up policy
Know Your Product
Features of Health Insurance policy by Zuno
Our health insurance policy is simple, easy to understand and loaded with features that make it the perfect choice for a medical insurance plan. Some of the features offered by Zuno Health Plan are:
Complimentary Annual Health Check-up
Critical Illness
If someone is diagnosed with a critical illness, we pay the fixed amount of Sum Insured at the time of diagnosis according to which plan you choose.
Restore & Recharge
Health 241 Add-on
Plenty of in-built services
How to claim your Zuno Health policy?
Call us on Toll free -1800 12000 Paid landline - 022 423 12000 Or email us at support@hizuno.com to let us know the details of your health insurance policy claim.
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless
What is Health Insurance policy?
Health insurance, also known as medical insurance in India, covers you against the cost of medical care related to illnesses, injuries or accidents. You can get this cover in exchange for an affordable annual premium that you must pay regularly.
You can cover yourself and your family for in-patient hospitalization, pre and post-hospitalization, annual health check-ups, ambulance expenses and many other costs. We let you customize your cover and strengthen it with Add-ons, so you get a policy that’s just perfect for you. Every health insurance policy tells you which medical conditions and treatments are covered.
There are many types of health insurance plans like Individual Health Insurance, Family Floater Health Insurance, Senior Citizen Health Insurance, Group Health Insurance, Critical Illness Insurance, Top-Up Health Insurance, etc.
Who should buy Medical Insurance policy from Zuno?
It’s advisable to buy health insurance plans online no matter what your stage of life you are at!
Self-Discovery – Youngsters who are inquisitive and active. Though they are healthier, taking a medical insurance plan is advisable. This will help then to accumulate a No Claim Bonus, cross the waiting periods at an early stage of life and also get covered for minor injuries which can happen to anyone, regardless of age.
Commitments – A stage where you want to protect your beloved family members - your spouse, children and parents. A comprehensive health insurance policy is a MUST to have at this particular stage of life. This is the stage where you aspire to meet your personal and professional goals. That’s why, for a smooth ride where you don’t face any financial roadblocks, go for a health insurance policy.
We have plans where there is no co-pay or sublimit, and we offer attractive discounts like single premium discount and family discount. You don’t have to worry about the Sum Insured getting exhausted, as there is enough individual cover for each and every member of your family.
Legacy – After investing most of your life in something meaningful and important, it’s time to live in comfort and security. We have health insurance plans for seniors, where along with the base cover we also offer cover for AYUSH, organ donation, critical illnesses and many other medical assistance services.
Professional – Employees covered by corporate insurance may get their minor hospitalisation covered by these plans. But what happens when you retire? At that point it gets really difficult to get a health insurance plan, as the chance of having any pre-existing condition at a later stage of life is way higher. For such people, we have Top-Up plans.
Value Driven– For those seeking for affordable yet value-filled plans, we have the Arogya Sanjeevani Policy where you can get well covered at a lower premium. We also offer voluntary co-pay in our flagship plan, where your premium gets reasonably lower, and you have to bear only a small part of every claim.
Why should you buy Medical Insurance?
Buying a health insurance policy is a must-do task that is often neglected. If you’ve thought ‘I don’t need it’ or ‘I’ll do it later’, read on.
Air pollution is a silent killer that claims 7 million lives a year, according to the World Health Organization (WHO). But it’s particularly harmful to young children because they breathe faster, meaning they take in more pollutants, and their bodies are still developing. This can cause childhood cancer, increased risk of heart diseases, diabetes and strokes when they grow up.
India is called the Diabetes capital of the world. It’s estimated that by 2045, India will have over 134 million Diabetes sufferers. Type 2 Diabetes will account for most of these cases, and can lead to multi-organ complications.
There will be a steep rise in the cost of medical care (14% medical inflation in India in 2022). The average size of claims has increased to almost Rs 85,000.
There’s an increasing number of 18-34 year olds involved in road accidents. Most people of this age are totally unprepared for large medical expenses.
Most employees think that their company-provided medical insurance is enough. But these medical insurance plans come with multiple sub-limits, room rent capping and co-pays.
As much 6-7% of the population may suffer from mental disorders in India. The Insurance Regulatory & Development Authority of India (IRDAI) has mandated mental illness to be included as a cover in health insurance.
4 out of every 10 Indian adults (18 to 69 years) are physically inactive. Sedentary lifestyles can lead to early onset of cardiovascular diseases, diabetes and stroke, which account for 71 per cent of global deaths each year
It is essential to stay covered when you get older, to make yourself financial independent and not be a burden on your children.
Most of the insurers offer complimentary annual health check-ups, helping you monitor your health and take timely action.`
A typical Health Insurance Plan comes with Tax Benefits under 80D as per existing regulations by the Income Tax Department of India.
Medical Insurance Plans by Zuno
Silver
Cover up to Rs 5 Lakh - Offers Pre & Post Hospitalisation, Day Care Treatment, Ambulance Cover, Domiciliary Cover, AYUSH, Hospital Cash Benefit, Annual Health Check-ups and many assistance services
Gold
Cover up to Rs 20 Lakh - Offers everything that Silver does, along with other benefits like Maternity Cover, Recovery, Critical Illness Cover, Restore Benefit etc.
Platinum
Cover up to Rs 1 Crore - All the benefits from Gold, along with higher coverage limits
Health Insurance Add-on Covers
Health 241
Stay covered for two years, with a health medical insurance policy that’s twice as nice! If you take your new policy with this Health Insurance Policy add-on, and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year.
What is covered in Zuno Medical Insurance Plans?
20+ base covers including Hospitalization, Health Check-ups, No Claim Bonus, AYUSH cover, etc.
- Infants from 3 months can be covered, and adults up to 65 years can buy this policy and renew it lifelong.
- Complimentary Annual Health Check-up at the end of every claim-free year.
- Our No Claim Bonus increases by 50% of the Sum Insured, to a maximum of 100%, for every claim-free year (applicable for Gold & Platinum).
- An in-built Critical Illness cover with Gold and Platinum.
Many more assistance services.
What is not covered in Zuno Health Insurance policy?
Expenses towards pre-existing diseases/listed conditions, and surgeries/treatments before the completion of specific waiting periods.
- Expenses related to the treatment of any illness within 30 days from the first policy start date.
- The cost of any admission that is mainly for diagnostics and evaluation.
- Expenses of any admission that is primarily for enforced bed rest, and not for receiving treatment.
Cosmetic or plastic surgery, or any treatment to change the appearance, unless medically necessary.
Why choose Zuno Medical Insurance?
Apart from offering a simple and easy-to-understand health insurance policy, we are also trusted for:
Hassle-free process
you can buy health insurance policy online without stepping out of your home
Affordability
Cashless Network hospitals
We have over 10000+ hospital tie-ups in our network. You will not have to worry about finding one in an emergency
Security Deposit
Common Health Insurance jargon
Co-payment
Pre-existing Disease
Waiting Period
TPA
Cashless Claim
Reimbursement Claim
Network Hospital
Cumulative Bonus
Why Buy Zuno Health Insurance? It’s the smart choice!
Enjoy tax benefits on the premium you pay, under section 80D of the Income Tax Act.
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FAQs
How can I buy health insurance?
You can buy health insurance policy from Zuno General Insurance in 2 ways, i.e. online or offline. Buying online is easy, quick, paperless and hassle-free.
Can my insurer refuse to renew my medical insurance policy?
If my policy is not renewed in time before expiry date, will it be rejected for renewal?
You can renew the policy within the Grace Period of 30 days, to maintain continuity of your benefits without any break in the policy.