About Zuno Health Insurance – Gold Plan
Get coverage up to Rs 20 Lakh, including Pre & Post Hospitalisation, Day Care Treatment, Ambulance Cover, Domiciliary Cover, AYUSH treatments, Hospital Cash Benefit, and Annual Health Check-ups. Enjoy additional benefits such as Maternity Cover, Recovery Benefits, Critical Illness Cover, Restore Benefit, and many other assistance services.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 5, 7.5, 10, 15, 20 Lacs |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 50% of SI increase per claim free year, max up to 100% of SI; |
| Initial Waiting Period | 30 Days |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: 18 Years; Child: 91 Days |
| Maximum Entry Age |
Adult: 65 Years; Child: 25 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type | Individual and Family Floater: Max up to 6 person |
| Who are covered | Self, Spouse, Dependent Children and Dependent Parents and Dependent Parent-In-Laws, Brother, Sister, Grandmother and Grandfather |
Features & Benefits of Zuno Health Insurance – Gold Plan:
For complete health coverage for your family, choose our Zuno Health Insurance – Gold Policy. It covers all medical expenses and offers discounts, tax benefits, and co-payment options! Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 3 years from the policy start date
Room Rent Limit
Single Private Room
ICU Charges
No capping on icu charges
Cumulative Bonus
No Claim bonus covered upto 50% of SI to maximum of 100% of Sum Insured or No Claim Discount of Rs 125 on every claim free year
Organ Donor
Covered up to Rs. 1 Lacs
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to Sum Insured
Road Ambulance Cover
Covered up to Rs. 3,000 per policy year
Maternity Waiting Period
Covered after 4 years from policy start date
Maternity Benefits Limit
Covered up to Rs. 50,000
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Health Check Up
Once every claim-free year, only for Policyholders who are 18 years or above.
Restoration Benefit
Covered 100% of Sum Insured once in a year
Co-Pay
Optional cover applicable with addon "Voluntory Co-payment"- 10% or 20% for all claims.;available for ages 60 years and below.
Daily Hospitalization Allowance
Rs. 1,000 per day from 4th day till 10th day of hospitalization
AYUSH Treatment
Covered up to Sum Insured
Recovery Benefit
Rs. 1,000 per day from 11th day till 20th day of hospitalization
Critical Illness Benefit
50% increase in the Sum Insured on first diagnosis of a critical illness
Tax Benefits
Avail of tax benefits under Section 80D of the Income Tax Act
Exclusion of Zuno Health Insurance – Gold Plan:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Zuno Health Insurance – Gold Plan:
New Born Baby Covered
Not Covered
Eye Cover
Not Covered
Additional Details
Not Available
OPD Cover
Not Covered
Expenses to Accompanying Person
Not Covered
Baby Vaccination
Not Covered
Dental Cover
Not Covered
Worldwide Emergency Cover
Not Covered
Air Ambulance Cover
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Add-ons to cover your specific needs:
Enhance your Zuno Health Insurance – Gold Plan insurance policy with our optional add-on covers to optimize your benefits and tailor your coverage to meet specific healthcare needs.
Health 241
If you take your Zuno Health Insurance Policy with the Health 241 Add-on and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year.
Recharge
The Company will replenish 100% of the Sum Insured on indemnity basis once in a policy year in case the Total Sum Insured inclusive of earned No Claim Bonus (if any) is insufficient due to claims paid or accepted as payable during the Policy Year. (In case the Recharge Sum Insured is not utilized in a Policy Year, it shall not be carried forward to subsequent Policy Year.)
Voluntary Copay
The Insured Person can opt for a 10% co-pay option or 20% co-pay option of the claim amount that is assessed for the payment and will be borne by the Insured Person. (Insured person with age 60 years or less is eligible for this option)
