ACKO Health vs ZUNO Health
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ACKO Health vs ZUNO Health

ACKO Health and ZUNO Health both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of ACKO Health are 14300+ Number Of Network Hospitals whereas ZUNO Health has 10000+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit ACKO Health

ACKO Health

Edit zuno-health

ZUNO Health

Number of health insurance plans and add-ons
Sum insured Up to 100Lakh Up to 100 Lakh
Network hospitals 14300+ 10000+
Claim ratio 97.2% 97.26%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Available
Global coverage Not Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available Available
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans ACKO Platinum Health Insurance Plan Zuno Health Top Up

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Health Insurance Plans by ACKO Health Insurance Company

ACKO Health Insurance offers two different types of health insurance plans to help stay financially protected in medical emergencies. Let's have an overview of these plans.

Standard Plan

Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.

Unique Benefits

  • Covers Cataract Treatments
  • No Health Check-ups up to 45 years
  • Cumulative bonus of 5% on SI

Group Health Plan

Acko Group Health Insurance Plan

Plan providing coverage for medical expenses arising out of hospitalization for a group of employees/workers of a particular organization.

Unique Benefits

  • Maternity benefit Available
  • Coverage for disabled children
  • Injuries due to Terrorism

ZUNO General Insurance Plans

Top Up Plan

Zuno Health Top Up

A top-up health plan that offers coverage when your base sum insured is exhausted. The plan comes with a wide coverage of up to Rs. 5 Crores.

Unique Features

  • Riders for additional coverage
  • Discounts available
  • Day care treatment covered

Zuno Health Top Up(Pros)

  • Hospital Cash Covered
  • Reduction of Waiting Period
  • SI for Critical Illness
  • Ayush Treatments Covered
  • Dental OPD Covered

Zuno Health Top Up(Cons)

  • Cataract Treatment Covered
  • No Kidney Stone Treatment Cover
  • Obesity Treatment Unavailable
  • Cosmetic Surgery Unavailable
  • No Hernia Treatment

Zuno Health Top Up(Other Benefits)

  • 30% Family Discount
  • Family Members Covered
  • AYUSH Treatment Covered
  • Newborn Covered
  • Domiciliary Hospitalization Covered

Zuno Health Top Up(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 20 L to 5 Cr
  • Waiting Period - 30 Days

Health Plan

Zuno Health Insurance

The plan offers 3 plan variants which offers an additional Health benefit, and after the first claim-free year, the company will offer cover for free the second year.

Unique Features

  • Newborn Cover
  • 50% No Claim Bonus
  • 5000+ Network Hospitals

Zuno Health Insurance(Pros)

  • Inpatient Treatment Cover
  • Daycare Treatment Cover
  • AYUSH Treatment Expenses
  • Maternity Benefits
  • Ambulance Chares Covered

Zuno Health Insurance(Cons)

  • No Kidney Stone Treatment
  • 20% Copay
  • Joint Replacement not covered
  • Hernia Treatment not covered
  • Cataract Treatment Unavailable

Zuno Health Insurance(Other Benefits)

  • Annual Health Checkup
  • Restore and Recharge
  • Critical Illness Covered
  • Compassionate Visit Covered
  • Second Medical Opinion

Zuno Health Insurance(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Health Plan

Zuno Arogya Sanjeevani Policy

It is a 1-year medical insurance plan that covers hospitalization expenses for illness or accident and offers flexible premium payment options.

Unique Features

  • Robotic surgeries Covered
  • Oral chemotherapy
  • Deep Brain stimulation Covered

Arogya Sanjeevani Policy(Pros)

  • Stem Cell Therapy Covered
  • Pre-Hospitalisation Expenses
  • Post-Hospitalisation Expenses
  • Cataract Treatments
  • Pre-Existing Diseases

Arogya Sanjeevani Policy(Cons)

  • No Kidney Stone Treatment
  • 5 % Co-Pay
  • Obesity Treatment Unavailable
  • Plastic Surgery Unavailable
  • Type2 Diabetes Unavailable

Arogya Sanjeevani Policy(Other Benefits)

  • 5% Family Discount
  • 8 Family Members Added
  • AYUSH Treatment Covered
  • 50% Cumulative Bonus
  • Cataract Treatment Covered

Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 1 L to 5L
  • Waiting Period - 30 Days

Health Plan

Zuno Saral Suraksha Bima

The plan provides coverage for any injury that is caused due to an accident. The nominee will get 100% of the SI in case of accidental death.

Unique Features

  • 100% of SI Accidental Death
  • Dependent Child Cover
  • Deep Brain stimulation Covered

Saral Suraksha Bima(Pros)

  • Accidental Death Covered
  • Permanent Partial Disablement
  • Permanent Total Disablement
  • Temporary Total Disability
  • Education Grant Covered

Saral Suraksha Bima(Cons)

  • No online Renewal
  • Can’t Buy Policy Online
  • No Unavailable
  • Plastic Surgery Unavailable
  • Type2 Diabetes Unavailable

Saral Suraksha Bima(Other Benefits)

  • 5% Family Discount
  • 8 Family Members Added
  • AYUSH Treatment Covered
  • 50% Cumulative Bonus
  • Cataract Treatment Covered

Saral Suraksha Bima(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Covid Plan

Zuno Covid Healthcare Insurance

It is a comprehensive policy that provides coverage for COVID-19 and the plan also offers flexibility in the policy period and also pays for the cost of the PPE Kit.

Unique Features

  • Spouse Covered
  • Dependent Child Covered
  • Hassle- Free Claims Process

Covid Healthcare Insurance(Pros)

  • In-Laws Covered
  • 15% Family Discount
  • AYUSH Treatment Covered
  • Home care Covered
  • Hospital Cash Covered

Covid Healthcare Insurance(Cons)

  • No Online Renewal
  • War Injuries Not Covered
  • Obesity Treatment Unavailable
  • Plastic Surgery Unavailable
  • Diabetes Cover Unavailable

Covid Healthcare Insurance(Other Benefits)

  • 5% Family Discount
  • Pre-hospitalization
  • Post-hospitalization
  • No Pre Medical Checkup
  • 24*7 Assistance

Covid Healthcare Insurance(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 50 Thousand to 5L
  • Waiting Period - 15 Days

Health Plan

Zuno Empower Health Insurance

It is an all-inclusive policy that offers coverage for disability such as locomotor disability and many other sexually transmitted diseases.

Unique Features

  • Mental illness Covered
  • HIV/AIDS Covered
  • Acid Attack Covered

Empower Health Insurance(Pros)

  • Cataract Treatment Covered
  • Pre-Hospitalisation Expenses
  • Post-Hospitalisation Expenses
  • Cataract Treatments
  • Pre-Existing Diseases

Empower Health Insurance(Cons)

  • No Gender Change Treatment
  • Hardarzous Sports Not Covered
  • Obesity Treatment Unavailable
  • Cosmetic Surgery Unavailable
  • Respite Care Unavailable

Empower Health Insurance(Other Benefits)

  • Blindness Cover
  • Hospitalization Cover
  • AYUSH Treatment Covered
  • Modern Treatment Cover
  • Cataract Treatment Covered

Empower Health Insurance(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 4 L to 5L
  • Waiting Period - 30 Days

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.