Zuno Health Plan
Zuno General Insurance Ltd.
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
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 Top-up offers affordable extra coverage over existing policies, with a high deductible and options like critical illness and maternity add-ons. It's ideal for those seeking cost-effective enhanced protection against large medical expenses.
About the Plan
Zuno Health Top-up Insurance is a cost-effective plan designed to provide additional coverage beyond your existing health insurance policy. It acts as a financial backup when your primary policy’s sum insured is exhausted. With a high deductible option, it ensures lower premiums while offering extensive coverage for hospitalization, surgeries, and critical illnesses. The plan includes benefits like cashless hospitalization, pre and post-hospitalization expenses, and daycare treatments. It is ideal for individuals and families looking for enhanced medical protection at an affordable cost.
About the Plan
Product Stats
Rating
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
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
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
Pre-existing diseases are not covered until the completion of the specified waiting period.
Medical expenses incurred within the initial 30 days of the policy, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or conditions caused by substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Infertility treatments, assisted reproductive techniques, and related procedures.
Injuries resulting from participation in hazardous activities or adventure sports.
Non-medical expenses such as dietary supplements, vitamins, or external medical devices.
Costs associated with gender reassignment surgery or hormone therapy.
Exclusions
Critical Illness Cover - Provides a lump sum payout if diagnosed with severe illnesses like cancer, heart attack, or kidney failure, ensuring financial stability.
Maternity & Newborn Cover - Covers maternity-related expenses, including delivery costs and newborn care, reducing out-of-pocket expenses during childbirth.
Personal Accident Cover - Offers compensation in case of accidental death or disability, providing financial security for policyholders and their families.
Hospital Cash Benefit - Provides a fixed daily cash allowance during hospitalization to cover non-medical expenses, such as food and transportation.
Deductible Reduction Benefit - Allows policyholders to lower their deductible amount, making it easier to claim benefits sooner.
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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