ZUNO Health Insurance

  • Emergency medical evacuation
  • 15+ Critical illnesses covered
  • Online discounts
ZUNO Health Insurance

Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


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.
ZUNO-health-insurance Key Features

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


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.

Customer Review Image

Rajan Narela


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.

Customer Review Image



February 17, 2022

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

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Akhilesh Jain


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

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Manish Sharma


September 9, 2021

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

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Rakesh Bhardwaj


September 9, 2021

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

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Kashish Banga


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.

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Kamlesh Chaudhary


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.

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Devender singh


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