Zuno Health Insurance Plan
Zuno General Insurance Ltd.
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent Flexibility
Coverage for a single private room and full ICU expenses ensures stress-free hospitalization.
Comprehensive Advanced Treatments
Covers robotic surgery, stem cell therapy, and other modern medical procedures up to the sum insured.
Policy Wording
Brochure
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Our Verdict
Zuno Health Insurance offers extensive coverage with options for individuals and families. Ideal for those seeking flexible coverage, it includes maternity, critical illness, and accident protection, but has waiting periods for some benefits.
About the Plan
Zuno Health Insurance offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It caters to individuals aged 3 months and above, with no upper age limit. Key benefits include pre and post-hospitalization expenses, coverage for day care treatments, domiciliary care, AYUSH treatments, and annual health check-ups. Policyholders can access a vast network of over 12,500 cashless hospitals across India. Additionally, the plan provides tax benefits under Section 80D of the Income Tax Act.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: Coverage for a single private room.
ICU: Expenses covered up to the sum insured.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
A compulsory co-payment of 20% applies to each claim for insured persons aged above 60 years.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.
Cashless Healthcare Providers
Access to over 12,500 network hospitals across India for cashless treatment.
Day Care Treatments
Coverage for medical procedures requiring less than 24-hour hospitalization, including chemotherapy and cataract surgery.
AYUSH Treatment
Expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Exclusions
Treatment for pre-existing diseases within the waiting period.
Cosmetic or plastic surgery unless medically required.
Injuries due to self-harm, drug abuse, or intoxication.
Treatment outside India (unless covered under a specific rider).
Fertility, infertility, and assisted reproductive treatments.
Participation in hazardous sports or activities.
War, nuclear risks, and biological weapon-related treatments.
Experimental or unproven medical treatments.
Non-medical expenses like hospital admission charges, toiletries, and administrative costs.
Dental treatment unless due to an accident.
Exclusions
Hospital Cash Benefit - Get a fixed daily cash amount during hospitalization to cover non-medical expenses.
Enhanced Room Rent Limit - Upgrade to a higher category room beyond the default single private room coverage.
Maternity & Newborn Cover - Covers maternity expenses, including delivery and newborn care, after a specified waiting period.
Accidental Death & Disability Cover - Additional financial protection in case of accidental death or permanent disability.
OPD Cover - Covers outpatient expenses like doctor consultations, diagnostics, and prescribed medicines.
Critical Illness Rider - Lump-sum payout if diagnosed with specific critical illnesses like cancer, heart attack, or kidney failure.
Personal Accident Cover - Compensation for accidental injuries, disability, or death beyond standard coverage.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Tata AIG General Insurance Company Limited is a prominent insurance provider in India, established as a joint venture between the Tata Group and the American International Group (AIG).The company offers a diverse range of general insurance products, including motor, health, travel, and home insurance, catering to both individual and business needs. With a mission to create better tomorrows for customers, Tata AIG focuses on providing trustworthy and innovative risk solutions, backed by professional expertise and exceptional service capabilities
Amit Ganorkar is the CEO and MD of Tata AIG General Insurance. With over 20 years of experience in the insurance sector, he focuses on customer-centric solutions and digital transformation strategies.
About the Company
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