ZUNO Health Insurance

ZUNO Health Insurance

Nowadays, taking a medical treatment at a good hospital, for something as small as fever, can make a hole in your pocket. And for this reason, it is important to have a health insurance cover. Taking into consideration the increasing medical inflation and growing number of health ailments, ZUNO Health Insurance has come up with three types of health insurance plans. These plans cater to different audiences and also life-threatening diseases like cancer. ZUNO health insurance offers three variants of its health insurance policy for its different audience. You can opt for a plan that meets most of your requirements.

ZUNO General Insurance (Formerly known as Edelweiss General Insurance) Company Limited is a part of the ZUNO Group, which is a multinational corporation offering financial products and services. The company provides health insurance plans across the country that caters to the insurance needs of the people. They also boast of a quick, hassle-free and easy process of buying a policy and registering a claim. Moreover, the company has a dedicated customer team with a hands-on approach to answering all the queries of the customer.

Benefits & features of ZUNO Health Insurance

ZUNO General Insurance (Formerly known as Edelweiss General Insurance) Company offers three types of health insurance policies that come with the following benefits:

• ZUNO health insurance offers coverage to applicants above the age of 3 months. Basically, you don’t need to worry about the age limit to get health insurance from ZUNO.
• You can buy health insurance for a maximum of 8 members including self, spouse, 3 children, and other relatives ( as permissible in the plan)
• ZUNO health insurance platinum plan offers health insurance cover up to 2 Crores
• Irrespective of the plan, you can avail these benefits- medical monitoring cover, medical repatriation, medical referral cover, compassionate visit, emergency medical evacuation, the return of mortal remains and second medical opinion.

Why ZUNO Health Insurance?

ZUNO Health Insurance plans are tailor-made to offer maximum protection to the insured members at an affordable price. You can purchase any of the ZUNO health insurance plans to avail the following benefits:

• ZUNO Health Insurance covers customary and reasonable charges incurred towards healthcare treatment taken by the policyholder during the policy term for an injury, illness or any other medical condition that is covered in the plan.
• Co-payment of 20% is applicable only to members above the age of 60 years.
• The insurer provides an option of mid-term inclusion of an applicant in case of childbirth or marriage. The premium will be charged on a pro rata basis.
• The eligibility criteria to buy an ZUNO health insurance policy is 90 days for all the plans ( Silver, Gold and Platinum) and the maximum age criteria is 65 years for both Silver and Gold variants. And there is no age-limit for premium variants.

ZUNO Health Insurance Plans

ZUNO General Insurance plans are the most comprehensive ones. There are 3 variants – Silver, Gold, and Platinum. And the sum insured limit is listed below:

• Silver Plan - The sum insured limit for this plan is up to Rs. 5 Lakhs
• Gold Plan - The sum insured limit for this plan is up to Rs. 20 Lakhs
• Platinum - The sum insured limit for this plan is up to Rs. 1 Crore

Inclusions of ZUNO Health Insurance

The coverage provided in all the plans may vary. Some of the common inclusions of ZUNO health insurance plans are listed below:

• Ambulance expenses are covered
• Hospitalization room expenses in a standard single private room are covered
• Hospitalization expenses are covered up to the sum insured amount
• Pre and post hospitalization expenses are covered up to the sum insured limit
• Organ donor expenses are covered
• ICU room charges are covered
• Domiciliary hospitalization charges up to the sum insured limit
• No claim discount benefits
• Ayush expense cover up to the sum insured limit
• Critical Illness coverage is provided
• Maternity cover is also provided
• Recharge benefit
• Recovery Benefit (starts from the day of hospitalization)
• Restoration benefit
• Voluntary co-payment up to 60 years of age

Exclusions of ZUNO Health Insurance

There are certain limitations in an ZUNO health insurance plans. And the exclusions of ZUNO health insurance plans are listed below: 

• First 30-Day waiting period
• Hemorrhoids / Piles, Fissure / Fistula in anus, Gastric, Duodenal Ulcers, and Pilonidal Sinus
• All types of Hydrocele and Hernia
• Myomectomy for fibroids
• Oral Chemotherapy
• Any medical conditions related to sexually transmitted diseases, including Gonorrhea, Genital Warts, Genital Herpes, Syphilis, Acquired Immunodeficiency Syndrome (AIDS), HIV, Chlamydia, Pubic Lice, and Trichomoniasis
• Any medical expenses incurred on children and new-born below the age of 91 days shall not be covered under this policy
• Any charges related to the cost of contact lenses, spectacles, hearing aids, eye and ear examinations, dentures, laser surgery, artificial teeth and expenses incurred on other similar external appliances
• Plastic surgery or cosmetic surgeries
• Treatment required for stress or psychological disorders, mental illness, Alzheimer's or Parkinson's disease even if it happened after an Illness or an accident.

ZUNO Health Insurance Optional Covers

Apart from the basic health insurance cover, you can opt for the following other optional benefits:

• Critical Illness cover in ZUNO health insurance silver plan and the limit is 50 percent of the sum insured amount.
• Restoration benefit is available in the silver variant and the limit is 100% of the sum insured amount
• Recharge option is available in both gold and platinum plans. ZUNO will replenish the entire sum insured amount on indemnity basis during a policy period.

ZUNO Health Insurance Claim

To avail the benefits of your ZUNO health insurance policy it is important to notify the insurer at least 72 hours before a planned hospitalization. In the event of an emergency hospitalization, it is required to intimate the insurer within 48 hours of hospitalization or before the discharge date whichever is earlier. However, the insurer may consider delays in extreme cases along with a proof.

The process to file ZUNO health insurance claim is defined below:

• You can notify ZUNO Health Insurance on their helpline number i.e. 1800 12000
• You can also inform them over an email at support[@]edelweissinsurance[.]com to file a claim
• Your claim procedure will start and your claim amount will be compensated or will be settled directly at the hospital in the event of cashless claims

Documents Required for ZUNO Health Insurance Claims

To initiate a claim you need to provide the following documents/details/information to the insurer:

• Duly signed ZUNO health insurance claim form
• Medical Investigation reports
• Pre-authorization request (original)
• MR/CT/ USG/HPE and other investigation reports
• Also, submit a copy of the pre-authorization approval letter
• Reference slip from the doctor
• A copy of the photo ID card of the patient (verified by the hospital)
• Discharge summary from the hospital
• Operation theatre reports/notes
• Chemist's bills
• Police FIR
• MLC report
• Hospital final bill
• Death certificate from the hospital (in original where applicable)
• Hospital break-up bill
• Other documents/bills as per the situation

How to Calculate ZUNO Health Insurance Premium?

To know the premium for your selected policy you can use the online health insurance premium calculator. It is one of the most convenient and cost-effective methods to calculate the premium.

All you need to do is select the plan, go to the online calculator page, enter the basic details such as sum insured amount, number of family members, geographical location, age etc.

Once you enter all the required details, you will get the premium that the insurer will charge for that particular plan.

How to Compare and Buy Health Insurance?

You can consider these parameters while picking a health insurance policy –

• Risks covered in severe health conditions/ emergencies
• Amount of premium/sum insured
• Saves extra medical expenses or not
• Hospitalization cover
• Panel of hospitals under the health insurance list
• Check for NCB ( No Claim Bonus)
• Check for the age limit criteria
• Claim process to be followed
• Family floater plans are available or not
• Inclusions/exclusions

How to Renew ZUNO Health Insurance Plans?

It is quite easy and convenient to renew ZUNO health insurance policy online. Online renewal saves both time and efforts. You can check with the insurer for any specific procedure which is followed to renew the policy online.

But before that, you need to decide if you want to continue availing the benefits from your current insurance policy or you want to upgrade it. Also, make sure that you renew your policy before the expiry date. If the policy is not renewed within the stipulated time then you will not be able to avail the continuous benefits of your policy.

Things to Know About ZUNO Health Insurance

• ZUNO Health Insurance offers the facility to buy a 2-year policy by paying a one year premium cost
• There are three plan options – Silver, Gold, and Platinum
• The sum assure limit ranges from 5 lakhs to 1 crore rupees
• Plans do not have any capping on the ICU charges
• Day care treatment and domiciliary hospitalization expenses are also covered
• All the plans provide Ayush cover
• Gold and Platinum plans provide critical illness cover
• You can also buy critical illness coverage as an add-on benefit

ZUNO Health Insurance - FAQs