What is the Zuno HealthPlus Policy all about? It’s your peace of mind!
As the name suggests, it’s a health insurance policy which gives you more. The Zuno HealthPlus Policy is one of the most affordable and simple ones available in the market today. You’ll benefit from the fact that there is no room rent limit, and you can choose to have a really high insurance cover of up to Rs 5 Crores. This Mediclaim policy does not have different cover limits for different diseases. All modern-day treatments, which include robotics surgery, are covered up to the Sum Insured and do not have any other limits defined. Moreover, this policy has zone-based pricing, which leads to zone-based discounts.
Who can benefit from Zuno HealthPlus Policy?
This health insurance policy covers you and all your loved ones in one go. There is no need to take the pain of buying different policies for your immediate family members like your spouse, children and your parents or/and parents-in-law.
In fact, you can also cover members of your extended family, including grandparents, brother/in-law, sister/in-law, nephew, niece, grandchild(ren) under this one multi-member policy.
Some amazing features that will make life easy and worry-free!
You can enjoy a high cover with Sum Insured options of up to 5 Crores.
There is no Room Rent Capping. Choose the hospital room that suits you, without worrying about any upper limit to the rent.
Get 2X Cover from Day 1. This means your Recharge benefit will get activated from the very first claim, if your basic Sum Insured and No Claim Bonus (if any) is not enough to pay the claim.
Unlimited Restore: You will always have enough Sum Insured for unrelated ailments, even if your base Sum Insured and No Claim Bonus (if any) does not cover the cost.
Modern Treatments are covered, including robotic surgery, up to the Sum Insured.
No Disease-wise Capping, so all diseases can be covered up to the Sum Insured.
Zuno HealthPlus Plans
Three plans, three great choices.
Decide which one works best for you.
Cover | Prime | Pro | Supremo |
Room Rent | No capping | No capping | No capping |
Pre-hospitalization | 30 days | 60 days | 90 days |
Post-hospitalization | 60 days | 90 days | 180 days |
Day Care Treatment | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
AYUSH | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
Domiciliary Hospitalization | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
Cumulative Bonus | From 50% up to 100% | From 50% up to 100% | From 50% up to 100% |
Hospital Cash | Rs 1,000/day | Rs 2,000/day | Rs 3,000/day |
Recharge | Yes | Yes | Yes |
Emergency Ambulance (per event) | Rs 5,000 | Rs 5,000 | Rs 10,000 |
Organ Donor Cover | 25% of Sum Insured | 50% of Sum Insured | 100% of Sum Insured |
Unlimited Restoration | Yes | Yes | Yes |
Accidental Death Benefit | Inbuilt | Inbuilt | Inbuilt |
Worldwide Cover | Optional | Optional | Optional |
PED Waiting Period Reduction | Optional | Optional | Optional |
Outpatient Consultation | Optional, gives you up to 5 consultations | Optional, gives you up to 5 consultations | Optional, gives you up to 5 consultations |
Why is Zuno the best? Here are just a few reasons!
Affordability
Our health insurance plans offer cover at very reasonable premiums.
Simplicity
Our Mediclaim plans are simple to understand, and we are 100% transparent from the word go.
Cashless Network Hospitals
We have 10,000+ hospital tie-ups in our constantly - growing network. You will not have to worry about finding one in an emergency.
Claims Assistance
To guide you with everything you need to do at the time of a claim – 24x7.
Our Add-ons strengthen your health cover
Worldwide Cover
Choose to enjoy your policy cover while travelling abroad. All the approved expenses of hospitalisation will be paid to you after you raise a claim and it is approved.
Out-patient Cover
Get covered for the expenses of visiting a hospital as a day patient for a cold, cough, etc.
Reduction of Pre-existing Waiting Period to 24 months
The conditions that you declare at the time of taking the policy are pre-existing conditions. These conditions have certain waiting periods before you can claim for their treatment. However, you can choose to reduce the waiting period further.
With Zuno HealthPlus Insurance, it’s easy to raise a claim!
Get in touch with us within 30 days of the hospitalisation taking place to let us know the details of your claim. You can choose any of the following ways to do so:
Call us on our
Toll free number -1800 12000
OR
Paid landline - 022 423 12000
OR
Email us at support@hizuno.com
Send us all the documents needed.
Fill out the claim form and submit all the necessary documents, including your identity proof and bank account details.
You can send soft copies to support@hizuno.com or send hard copies to Zuno General Insurance Company Limited, Health Claims Desk, 2nd Floor, Tower 3, Wing-B Kohinoor City, Kirol Road, Kurla East Mumbai, Maharashtra – 400 070
Let us work on it
We’ll work on your claim and make the settlement within 30 days if all the documents are in order and your claim is accepted.
Making sense of common insurance jargon
Pre-existing Disease
It refers to any kind of disease or ailment that an insured person has been suffering from, before having bought an medical insurance policy
Co-payment
This is the percentage of the claim amount that you agree to pay from your pocket, as per the plan chosen at the start of the policy.
Deductible
The agreed amount of money that you need to pay every year to ensure that your cover stays active.
TPA
Third Party Administrators coordinate between you and the insurance company. They are responsible for managing health insurance claims and other services on behalf of the insurance company.
FAQs
How many family members can I insure in a Floater policy?
In a floater policy, you can insure up to 6 Adults + 3 Children. Relationships that can be covered in a policy – self, spouse, son(s), daughter(s), parent(s) and parents-in-law(s).
What is Recharge?
Your Sum Insured will get replenished by 100% of the Sum Insured once in a policy year on indemnity basis in case the Total Sum Insured inclusive of earned No Claim Bonus (if any) is insufficient due to claims paid or accepted as payable during the Policy Year. Your recharge can get triggered from the first claim itself.
What is Unlimited Restore?
Your Sum Insured will get restored unlimited times by 100% of the Sum Insured in a policy year on indemnity basis in case the Total Sum Insured inclusive of earned No Claim Bonus (if any) is insufficient due to claims paid or accepted as payable during the Policy Year. Please note that at any point of time the payable claim amount under this benefit will not exceed the Base Sum Insured and No Claim Bonus (if any). Your restore benefit will not get triggered in the first claim.
Who can get cover under Accidental Death Benefit?
For floater policies the proposer who is the earning member of the family can get Accidental death benefit which will be equal to base Sum Insured or 10X of declared annual gross income, whichever is lower.
What will my Out-patient cover offer?
You can be covered for consultations for diseases such as cough, fever, cold etc. under this cover through cashless and reimbursement process.
Why am I charged different premium basis locations even after opting for same configuration of plan?
Your premium may vary because of zone based pricing. There may be a discount basis the zone that you will enter at the time of purchase of policy. We have defined three zones in our Zuno HealthPlus Policy.
Zone I: Delhi, NCR, Mumbai (including Navi Mumbai), Kalyan and Thane
Zone II: Bangalore, Kolkata, Hyderabad, Secunderabad, Chennai, Pune, Vadodara, Ahmedabad and Surat
Zone III: All cities apart from Zone I & Zone II.