Zuno Health Plus Policy Plan
Zuno General Insurance Ltd.
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall sum insured.
Advanced Treatments
Includes modern procedures like robotic surgery, stem cell therapy, and high-intensity ultrasound, covered up to the sum insured.
Policy Wording
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Our Verdict
Zuno Health Plus offers comprehensive coverage with cashless treatment and AYUSH benefits. Add-ons like maternity and critical illness enhance its value, making it a reliable choice for individuals and families seeking extensive and flexible health insurance.
About the Plan
Zuno Health Plus is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It covers hospitalization expenses, pre and post-hospitalization costs, daycare treatments, and emergency ambulance services. The plan also includes benefits like cashless treatment at network hospitals and alternative treatments under AYUSH. With options for add-ons such as maternity benefits and critical illness cover, Zuno Health Plus ensures financial security against medical emergencies, making quality healthcare accessible without burdening policyholders with high expenses.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
The Zuno Health Plus plan generally offers no specific sub-limits on room rent and ICU charges, allowing policyholders to choose any hospital room within the overall sum insured.
Advanced Treatments
Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.
Co-payment
The Zuno Health Plus plan generally does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific conditions, a co-payment clause may apply, requiring the insured to pay a percentage of the claim amount before the insurer covers the rest.
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
Pre-existing diseases are not covered until the completion of the specified waiting period.
Treatment for injuries or illnesses caused by self-harm, suicide attempts, or substance abuse is excluded.
Cosmetic and aesthetic procedures, including plastic surgery, unless required due to accidents or burns, are not covered.
Dental treatments, unless arising from an accidental injury, are not included.
Infertility treatments, IVF procedures, and related expenses are not covered.
Treatment for HIV/AIDS and other sexually transmitted diseases is excluded.
Injuries sustained during hazardous activities, adventure sports, or professional sports participation are not covered.
Non-medical expenses such as dietary supplements, vitamins, and health tonics are not covered unless prescribed as part of hospitalization.
War, nuclear threats, or terrorism-related medical expenses are not covered under the policy.
Expenses related to maternity, childbirth, and neonatal care may be excluded unless covered under a specific add-on.
Exclusions
Critical Illness Cover - Provides a lump sum payout upon diagnosis of severe illnesses like cancer, stroke, or heart disease, ensuring financial stability during treatment.
Maternity & Newborn Cover - Covers maternity expenses, including childbirth and newborn care, reducing financial burdens related to pregnancy and delivery.
Personal Accident Cover - Offers compensation in case of accidental death or disability, securing the financial future of policyholders and their families.
Hospital Cash Benefit - Provides a fixed daily cash allowance during hospitalization to cover non-medical expenses like transportation and food.
Deductible Waiver Benefit - Allows policyholders to reduce or eliminate the deductible, making it easier to claim benefits without additional financial burden.
Add-ons
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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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