Zuno Health Insurance Claim Settlement Ratio, Process, Form

Zuno Health Insurance Claim Settlement Ratio

Zuno Health Insurance claim settlement ratio gives an idea of the number of claims that the insurer is capable of settling against the total claims received. The higher is the insurer’s claim settlement ratio, the higher are the chances of your claims getting paid. In FY 2021-22, Zuno health insurance claim settlement ratio is 91.1%, which reflects positively on the insurer’s ability to settle the claims.

Besides, Zuno General Insurance ensures that all claims are settled most conveniently and with a lesser turn-around time.

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Claim Process of Zuno Health Insurance

When filing the health claim process with Zuno General Insurance, you need to know both cashless and reimbursement claim processes. The procedure to file both types of claims is given below:

Zuno Cashless Claim Settlement Process:

The cashless treatment facility is only available at Zuno General Insurance’s network hospitals. Here is a quick step-by-step guide to help you file cashless health claims:

Firstly, select the Zuno network hospital in your city where you want to go for cashless treatment.
You must inform the insurance company within 48 hours of an emergency hospitalization and at least 72 hours before a planned hospitalization.
You must carry the health card issued by the insurance company and a photo ID to the hospital.
After that, you need to fill out and submit the pre-authorization request form at the hospital helpdesk. (It is provided by the hospital.)
Once your identity is cross-checked, the hospital sends the form to the Insurance company for approval.
If the insurance company approves the claim, then the hospital settles all your medical bills directly with your insurer after you are discharged from the hospital.

Zuno Reimbursement Claim Settlement Process:

Reimbursement claims can be filed in both network and non-network hospitals. The steps to file a reimbursement claim are given below:

Inform Zuno General Insurance about your planned hospitalization at least 72 hours prior and emergency hospitalization within 48 hours.
Pay all the hospital bills at the time of being discharged from the hospital.
Collect all the documents, such as hospital bills, discharge summary, invoices, medical reports, etc., from the hospital.
Download the claim form from the insurer’s website, fill it and sign it properly.
Send all the required documents to Zuno General Insurance along with the claim form.
After reviewing the claim form and documents, the insurer will approve the claim subject to the policy terms and conditions.
The claim amount will be paid to you once the claim has been approved.

Document Required for Zuno Claim Settlement Process

Take a look at the list of documents that you should submit in case of a Zuno health insurance reimbursement claim:

Copy of the health insurance policy
Medical investigation reports (original)
Pharmacy bills along with the prescription
Discharge summary from the hospital
Post-mortem or FIR report, if any
Indoor case papers
Duly-filled claim form
Valid photo ID
Hospital bills and payment receipts
Original consultation notes
Nature of operation and surgeon's bill
Medical reports along with attending doctor’s report
Bank account details and a cancelled cheque with your name

To know more about the claim process, you can get in touch with our health experts at Policybazaar at 1800-208-8787.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

❮ ❯

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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Zuno Health Insurance Claim Settlement Ratio