Zuno Health Gold Plan: Benefits, Features, Renewal

ZUNO Health Gold Plan

ZUNO Health Gold Plan covers various life-threatening diseases such as cancer for in-patient, pre and post-hospitalization costs. It also covers the expenses of domiciliary treatment and daycare services. With a comprehensive cover up to Rs 2 lakh, the policy covers medical referral, medical repatriation, medical evacuation, monitoring etc.

Policy Type	Individual/Floater
NCB Benefit	50%-100% of the SI
Health Check-up	For every claim-free year
Maternity Waiting Period	4 years/up to Rs 50,000
Recovery Benefit	Rs 1000/per day
Critical Illness Benefit	Covered by 50%

Coverage Offered

The coverage offered by ZUNO Health Gold Policy are as mentioned below:

Hospitalization Expenses: Under the Gold variant, hospitalization expenses up to the sum insured will be covered.
Room Rent Limit: The plan pays for daily room rent per day for a single standard private room. Under the ZUNO Health Gold Plan, there is no limit on room rent.
ICU Charges: If the policyholder needs to be admitted to the ICU on the medical practitioner's advice, the policy covers the ICU charges. There is no limit for ICU charges under this plan.
Pre-hospitalization: The plan covers the policyholder's treatment charges before admission to the hospital up to 60 days up to the sum insured amount.
Post-hospitalization: The policy covers the policyholder's treatment charges after admission to the hospital up to 90 days up to the sum insured amount.

Inclusion of the ZUNO Health Gold Plan

The inclusions of the online ZUNO Health Gold Plan are:

Day Care: If the person insured is required to be hospitalized for less than 24 hours to treat some diseases, then the ZUNO Health Gold Plan provides coverage against such expenses up to the sum insured limit.
Ambulance Cover: If the policyholder needs to be hospitalized immediately, the plan covers up to Rs 3000 as an ambulance cover per hospitalization.
Organ Donor Cover: Organ donation expenses are covered in the plan up to Rs 1 lakh.
Domiciliary Hospitalization: The plan covers the cost of domiciliary hospitalization up to the sum insured limit.
AYUSH Cover: This plan covers non-allopathic treatment like Ayurveda, Homeopathy, Siddha, and other alternative therapies maximum up to sum insured.

Exclusions of the ZUNO Health Gold Plan

The exclusions of ZUNO Health Gold Insurance Policy are:

Suicide
Cosmetic Surgery
Childbirth
Participation in dangerous activities
Out-patient department
Hospitalization due to substance abuse

For a complete list of exclusions, refer to policy wordings.

Features and Benefits of the ZUNO Health Gold Plan

The features and benefits of ZUNO Health Gold Health Insurance policy are:

Cumulative Bonus: If the policyholder does not claim in a particular policy year, then he/she is entitled to get a no claim bonus in that policy year. The sum insured increases by 50% and maximum up to 100% for that year. If a claim is made in a particular year, the no claim bonus reduces by 50% and maximum up to 100%.
Health Check-Up: Apart from the no claim bonus, for policyholders above 18 years of age, there is also a free health check-up for every no-claim year.
Maternity Benefit- Under this plan, the person insured also gets a maternity benefit from ZUNO Health Insurance up to Rs 50,000 after a waiting period of 4 years,
Recovery Benefit: From the hospitalization day, the policyholder gets Rs 1000 per day from the 11th day of hospitalization till the 20th day as a recovery benefit.
Shared Accommodation: If the policyholder shares a room in a hospital, he/she gets Rs 1000 per day for the shared accommodation maximum up to Rs 5000 per day.
Critical Illness Coverage: On detecting the critical illness, the sum assured amount increases by 50% from the first time the person insured is diagnosed with a critical disease.
Restoration Benefit: On using the sum insured amount, ZUNO Health Insurance restores the sum insured amount up to the maximum limit.

Eligibility Criteria of the ZUNO Health Gold Plan

To buy this policy the following conditions have to be fulfilled:

Type	Individual or Family Floater Health Insurance
Minimum Entry Age	For adults - 18 years For children - 3 months
Maximum Entry Age	65 years
Number of people covered	The plan covers up to 8 individuals who can be related to the policyholder in an insurable way.
Residential Status	A resident of India either as a citizen or a pass holder, or a permanent resident of India

Cancellation Terms of the Policy

If the policyholder is not satisfied with the terms and conditions of the policy, he/she can return the policy 15 days from the date of commencement of the policy, and the premiums paid will be returned to the policyholder after deducting stamp charges.

FAQs

Q1. Can one buy ZUNO Health Gold Insurance Plan online?

Ans: Yes, one can buy an ZUNO Health Insurance policy online.
Q2. What is the policy tenure in this plan?

Ans: The plan has a policy tenure of 1, 2, and 3 years.
Q3. What is the maximum sum insured required in this plan?

Ans: The maximum sum insured amount is Rs 20 lakh.
Q4. What is the premium frequency of this plan?

Ans: The plan is a single premium plan.
Q5. Is repartition of mortals remains covered under this plan?

Ans: Yes, the repartition of mortal remains is covered.

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.

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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.

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Zuno Health Gold Plan