About ZUNO General Insurance (Formerly known as Edelweiss General Insurance)

ZUNO General Insurance (Formerly known as Edelweiss General Insurance) is an insurance provider serving since 2017. The company sells products across health, motor, travel, and other segments. The insurance company provides coverage for different health treatments as well as malignant diseases like cancer.

ZUNO Health Insurance offers health insurance policies for individuals and families at affordable rates and ensures that all your healthcare needs are looked after. With comprehensive coverage of ZUNO Medical Insurance, one can protect their savings during an emergency hospitalization.

Awards and Achievements of ZUNO General Insurance

FinTech India Innovation Award 2021
Customer Fest Awards 2021
Top 25 Financial Innovations of India 2020
Best Customer Experience Team of the Year 2020
Best BFSI Technology Award - Cloud
SAP - Process Innovation 2018 Game-Changing 'SAP Cloud For Insurance' Showcase
SAP ACE Award 2018 Special Recognition
MINT - SAP Digitalist Award 2018 Rama - Digitalist 2018
Digital Dragon Awards 2022

Why Should You Choose ZUNO General Insurance

To evaluate the performance of ZUNO Health Insurance, we have identified several factors such as network hospitals, claim support, annual premium, and solvency ratio, which are important indicators of how reliable an insurance provider is. Let's understand in detail.

Renewability:
The plan offers a lifelong renewability option. It saves your pocket from financial stress caused due to medical emergencies and keeps you prepared to handle any critical/challenging situation.
Network Hospitals:
A network hospital list is an important criterion that people consider while buying health insurance. The longer the list of hospitals, the easier it is to find one in nearby places. Insurers appoint network hospitals, doctors or medical practitioners, or clinics that charge lower fees to their policyholders. ZUNO Health Insurance Company has a tie-up with 6000+ network hospitals across India providing cashless facilities to its customers.
Solvency Ratio:
The solvency ratio is another crucial factor to consider while selecting the best insurance company. It helps to determine the survival capacity and reliability of the insurer. As per IRDAI, it is mandatory for every insurer to maintain a solvency ratio of 1.5. As per the IRDAI Annual Report of 2021-22, the solvency ratio of ZUNO health insurance company is 1.76.
Claim Support (Claims settled within 3 months):
Claim support determines the claim settling ability of an insurance company and is also used as a rating criterion of the health insurance companies. IRDAI publishes it annually in the first month of every year.
The claim support of ZUNO Health Insurance within 3 months is 97.26% which means out of 100 claims, they have settled 99 claims.
Annual Premium:
Annual Premium determines the volume of a business that determines the total number of policies sold by an insurance company and the premiums collected. As per the IRDAI Annual Report 2021-22, the Annual Gross Premium of ZUNO Health Insurance is Rs 348.88 Crore.

All You Need To Know About ZUNO General Insurance? Find complete details in one go!

ZUNO Health Insurance Plans Exclusions Claim Settlement Process Buying Process ZUNO Health Contact Details

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

Benefits of Zuno General Health Insurance

Purchasing a health insurance plan from ZUNO Health Insurance Company has numerous benefits. The list is as follows:

Comprehensive Coverage
Zuno Health Insurance provides overall coverage, their policies cover almost every disease, whether terminal or critical illness.
Disability Cover
Plans like Zuno Saral Suraksha Bima, cover partial or total disability caused by an accident, This enables the policyholder to remain financially stable even if he is unable to work.
Rare Coverage
Zuno Empower Health Insurance even covers "Person with a disability", this includes those living with blindness, locomotor disability, mental illness, effects of an acid attack, HIV/AIDS, etc.
Many Add-on Benefits
The company provides many add-on benefits under the name of Zuno Health 241 , if added to the base plan, it gives the plan more strength and flexibility along with wide coverage.
Maternity Benefit
ZUNO Health Insurance offers maternity benefits and newborn baby coverage, ensuring the financial security of the individual as well as for the family.
No Claim Bonus
For every claim-free year the policyholder gets a No Claim Bonus. The company provides a maximum of 50 % bonus, which is added to the Sum Insured.

What Are The Inclusions Under ZUNO General Insurance Plans?

ZUNO Health Insurance plans have a long list of inclusion, here are a few of them:

New Born Baby Cover
Maternity Cover
Critical Illness Cover
Hospitalization Cover
Pre Hospitalization
Post Hospitalization
Modern Treatment Cover
AYUSH Cover
In Patient Cover
Room Rent Cover
Domiciliary Cover
Ambulance Cover

What Are The Exclusions Under ZUNO General Insurance Plans?

Below are the general exclusions, which apply to Zuno General Insurance plans. Let's have a look.

All hazardous activities
Oral chemotherapy
AIDS/HIV treatment
The cost of contact lenses, spectacles, hearing aids, eye and ear examinations, dentures, laser surgery, dentures, and other similar external devices
Plastic surgery or cosmeceutical surgery
Treatments undertaken by unauthorized hospitals/doctors

How To Buy ZUNO General Insurance Plans?

ZUNO Health Insurance Plans can be brought online through the official website of the company or offline by visiting the nearest branch. However, in case you face any problems, you can turn to PolicyX.com. Read the next section, to understand the buying process.

Visit the official website of ZUNO General and tap on 'Health Insurance'.
Enter the details in the 'Get Quote' tab.
Choose the plan of your choice, customize its details (if needed) and pay the premium.
After payment of the premium, the policy document will be sent to your registered email ID.

If you don't wish to buy online, you can visit the nearest branch of the company for a health insurance purchase.
To know more about the plan, get in touch (1800-4200-269) with the experts of PolicyX.com. We, at PolicyX.com, can provide a dedicated agent by your side during the entire process.
Below is its buying process.

Fill in the details in the 'Calculate Premium' form.
The next page will show all the available plans. Choose the best ZUNO health plan and click on 'Buy Now'.
Pay the premium and your policy document will be shared on your registered email.

How to Renew ZUNO Health Insurance Policy?

The Zuno Health Insurance Policy renewal process is intended to be hassle-free and quick. You can accomplish this process online by visiting their official website or using the company's mobile application. Here are the steps for policy renewal:

Step 1: Visit the official website, on the top of the webpage, there is an option called "Renewals". Click on the option.

Step 2: A new page will appear when you click on the option. There you have to enter your details such as "Policy Number" and "Date Of Birth".

Step 3: After entering the details, the user dashboard will open. If you wish to tweak the plan by adding the benefits or change SI, you can do this stage.

Step 4: Next, click on the "Proceed' option, it will be redirected to the payment page. There, choose the mode of payment and then click on "Pay".

Step 5: The company will send an acknowledgement message of the payment received by email and on the contact number you provided to the company.

How To File A Claim For ZUNO General Insurance Plans?

To avoid any confusion, the company asks its customers to perform a 3-step claim process. Let's take a look at it.

Cashless Claim Settlement Process

Claim Intimation
Whether it's a planned or emergency hospitalization, inform the company about the same by calling at (1800 12000).
Submission Of Documents
Submit all the necessary documents like medical records, discharge summary, claim form, etc. to the company within the deadline.
Claim Decision
If you opt for cashless hospitalization, ZUNO will directly pay the hospital (if the claim is approved). In the case of reimbursement, the company will transfer the amount to the registered bank amount (if the claim is approved).
For any queries, mail at support@hizuno.com

Documents Required For ZUNO General Insurance Claim

Correctly signed & filled claim form
Medical research reports
Pre-authorization request
Medical reference slip
Copy of Patient Photo ID Card (Hospital Verified)

Discharge document from the hospital
Operation Theater Reports
Chemist bills
Hospital bills
Others requested by the company

Contact Details Of ZUNO General Insurance

ZUNO General Insurance Contact Address

2nd Floor, Tower 3, B Wing, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070

support@hizuno.com

1800 12000 / 02242312000

ZUNO General Insurance: FAQs

1. What documents do I need to submit for a reimbursement claim?

The following documents are required for the processing of reimbursement claims:

Duly filled and signed claim form
All the hospital bills and receipts of the chemist, medical practitioner, prescriptions, etc. (in original)
Discharge card from the hospital
All original medical investigation reports
NEFT and KYC details of the claimant
Others requested by the company

2. How can I download the claim forms of ZUNO General Insurance?

You can download the claim forms through the official website of ZUNO Insurance. Select the 'claims' button present at the top that will redirect you to the claims page. Download the claim application form and fill in all the required fields.

3. Is it possible to upgrade my coverage under this policy?

Yes, you can increase your coverage at the time of the renewal process. The plan can be upgraded from silver health to gold or platinum. Optional benefits are also there to upgrade it further.

4. I have lost my policy documents. What should I do?

In case you have lost your documents, you have the soft copy of your policy documents in your mail. Or you can also apply for a new copy.

5. Is it necessary to undergo a medical examination before buying health insurance?

No, it is not required to undergo a pre-medical screening before buying a policy.

6. Does ZUNO Health Insurance cover pre and post-hospitalization cover?

Yes, pre and post hospitalization covers are allowed under this policy

Variants	Pre hospitalization	Post Hospitalization
Silver	30 days	60 days
Gold	60 days	90 days
Platinum	90 days	180 days

**Last Updated on March, 2022

7. What are the sum insured options of ZUNO Health Insurance Variants?

Silver Plan	Gold Plan	Platinum Plan
Rs. 1 lakh, Rs 2 lakhs, Rs 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs	Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs	Rs. 15 lakhs, Rs. 20 lakhs, Rs. 50 lakhs, Rs. 75 lakhs, Rs 1 crore

**Last Updated on March, 2022

8. Can I transfer my previous insurance provider's No-Claim Bonus if I switch my policy to ZUNO Health Insurance?

Yes, you may keep your no-claims bonus even if you switch insurance companies. However, in order to receive the NCB, you must renew your policy on time or before the expiration date.

9. What is the maximum number of members that may be covered under the ZUNO Health Insurance Policy?

The ZUNO health insurance policy covers up to 8 people.

10. Does ZUNO Complete Health Insurance cover critical illnesses?

Yes, in ZUNO Gold & Platinum variant, critical illness is covered. Whereas in Silver Variant one can add critical coverage as an Optional cover with a limit of up to 50% of the Sum Insured.

The critical illnesses covered under the plan are:
Cancer of Specified Severity
Myocardial Infarction (First Heart Attack of specific severity)
Coronary Artery Bypass Graft (Open Chest CABG)
Stroke Resulting in Permanent Symptoms
Permanent Paralysis of Limbs

11. How many people can be covered under ZUNO Health Insurance?

ZUNO's health insurance policy allows coverage for up to 8 members. One can cover yourself, your spouse, up to 3 children, or any other relationship having an insurable interest.

12. How can I renew my ZUNO Health Insurance Plans?

ZUNO Health Insurance Renewal is available online. One can renew their policy by following the below steps:

Visit the official website of ZUNO Health Insurance
Click on the Renewal tab and fill in the necessary details such as the policy number & date of birth
Pay your premium and your renewed policy details will be mailed to you at your registered email address.

13. How can I avail cashless facility in the ZUNO Health Insurance company's empanelled hospitals?

To avail of the cashless services, you need to get admitted to the network hospitals and then present the health card at the hospital's help desk. Once your claim form is filled and approved, you can avail cashless facility.

14. How can I find the ZUNO network hospitals in my area?

ZUNO health insurance has a great network of cashless hospitals. You can easily check the list of ZUNO Network Hospitals on their official website.

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ZUNO Health Insurance Reviews

Read what our customers have to say about ZUNO Health insurance company.

Rajan Narela

Jaipur

June 13, 2022

I am totally in love with the health plans offered by the Edelweiss Health Insurance company. If you want a health plan, you should go for this company.

vikram

Chennai

February 17, 2022

Good service, supportive staff and helpful nature. Guide you completely with complete help. Thank you

Akhilesh Jain

Guwahati

October 6, 2021

I bought a Health Insurance policyEdelweiss. Got guidance at every step of buying the policy and it was a pleasurable experience for me. Nice job

Manish Sharma

Ahmedabad

September 9, 2021

Amazing plan... Everybody should buy the plans from Edelweiss. I thank you for getting me a good coverage plan.

Rakesh Bhardwaj

Lukhnow

September 9, 2021

I bought a health plan from edelweiss health insurance. The company has a very quick claim settlement. I am impressed.

Kashish Banga

Gandhinagar

September 8, 2021

I bought a health plan from Edelweiss Health Insurance, I really like the services from Edelweiss, especially the claim settlement process. Thanks Edelweiss.

Kamlesh Chaudhary

Indore

September 8, 2021

Bahut badhiya plans hai company ke, kifayti bhi hai, aur bht hi achi service hai, mai bht khush hu edelweiss ke plan se.

Devender singh

Delhi

September 1, 2021

One of the best company of insurance in India. They helped me at my worst, they settled my claim with in a week. very very impressed.

View All ZUNO Health Insurance Reviews

ZUNO Health Insurance

Confused? No Worries, We Are Here To Help!

About ZUNO General Insurance (Formerly known as Edelweiss General Insurance)

Why Should You Choose ZUNO General Insurance

All You Need To Know About ZUNO General Insurance? Find complete details in one go!

ZUNO General Insurance Plans

Zuno Health Top Up

Zuno Health Top Up(Pros)

Zuno Health Top Up(Cons)

Zuno Health Top Up(Other Benefits)

Zuno Health Top Up(Eligibility Criteria)

Zuno Health Insurance

Zuno Health Insurance(Pros)

Zuno Health Insurance(Cons)

Zuno Health Insurance(Other Benefits)

Zuno Health Insurance(Eligibility Criteria)

Zuno Arogya Sanjeevani Policy

Arogya Sanjeevani Policy(Pros)

Arogya Sanjeevani Policy(Cons)

Arogya Sanjeevani Policy(Other Benefits)

Arogya Sanjeevani Policy(Eligibility Criteria)

Zuno Saral Suraksha Bima

Saral Suraksha Bima(Pros)

Saral Suraksha Bima(Cons)

Saral Suraksha Bima(Other Benefits)

Saral Suraksha Bima(Eligibility Criteria)

Zuno Covid Healthcare Insurance

Covid Healthcare Insurance(Pros)

Covid Healthcare Insurance(Cons)

Covid Healthcare Insurance(Other Benefits)

Covid Healthcare Insurance(Eligibility Criteria)

Zuno Empower Health Insurance

Empower Health Insurance(Pros)

Empower Health Insurance(Cons)

Empower Health Insurance(Other Benefits)

Empower Health Insurance(Eligibility Criteria)

Benefits of Zuno General Health Insurance

What Are The Inclusions Under ZUNO General Insurance Plans?

What Are The Exclusions Under ZUNO General Insurance Plans?

How To Buy ZUNO General Insurance Plans?

How to Renew ZUNO Health Insurance Policy?

How To File A Claim For ZUNO General Insurance Plans?

Cashless Claim Settlement Process

Reimbursement Claim Settlement Process

Documents Required For ZUNO General Insurance Claim

Contact Details Of ZUNO General Insurance

ZUNO General Insurance: FAQs

1. What documents do I need to submit for a reimbursement claim?

2. How can I download the claim forms of ZUNO General Insurance?

3. Is it possible to upgrade my coverage under this policy?

4. I have lost my policy documents. What should I do?

5. Is it necessary to undergo a medical examination before buying health insurance?

6. Does ZUNO Health Insurance cover pre and post-hospitalization cover?

7. What are the sum insured options of ZUNO Health Insurance Variants?

8. Can I transfer my previous insurance provider's No-Claim Bonus if I switch my policy to ZUNO Health Insurance?

9. What is the maximum number of members that may be covered under the ZUNO Health Insurance Policy?

10. Does ZUNO Complete Health Insurance cover critical illnesses?

11. How many people can be covered under ZUNO Health Insurance?

12. How can I renew my ZUNO Health Insurance Plans?

13. How can I avail cashless facility in the ZUNO Health Insurance company's empanelled hospitals?

14. How can I find the ZUNO network hospitals in my area?

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