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ZUNO Health Insurance ZUNO Health Insurance ★ 4.4

Zuno Corona Rakshak

Zuno Corona Rakshak is a health plan specifically designed to cover me ...Read More

Up to 1Cr.
Sum insured
9+
Pan India presence
98.54%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 10,000+ hospitals
📊 1.97 solvency ratio
✅ 98.54% claim settlement
Written by Simran Kaur Vij
Reviewed by Anchita Bhattacharyya
Published: 13 Feb 2025
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Zuno Corona Rakshak policy is a health plan designed to fight against COVID-19. The plan can be bought on an individual and family basis for individuals between 18 and 65 years of age. The plan offers a 100% sum insured lump sum benefit on being diagnosed positive with COVID-19 and requiring hospitalization for 72 hours or more. Originally launched by IRDAI, Corona Rakshak ensures your loved ones are covered against medical expenses related to COVID-19.

Key Features

  • Waiting period of only 15 days from the date of policy commencement.
  • Offers various discounts, including family and online purchase discounts.

Extraordinary Facts

Corona Rakshak is a plan designed by IRDAI to safeguard Indian citizens from the medical expenses of COVID-19.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual
Sum insured options
₹500 Cr, ₹2 L
Waiting period
15 days
Renewability
Lifelong
Policy term
3.5/6.5/9.5 Months

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • COVID-19 cover
  • Tax benefits
  • Ambulance cover
  • Hospitalisation cover

Cons

  • Illegal activities
  • Adventure sports
  • Obesity treatments
  • HIV/AIDS

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 18 years
  • Maximum Entry Age: 65 years
  • Sum Insured: ₹50,000 to ₹2.5 lakhs
  • Waiting Period: 15 days

Frequently Asked Questions

The 5 most-asked questions about Zuno Corona Rakshak, answered.

The age criteria for Zuno Corona Rakshak health plan is 18 to 65 years.
The Zuno Corona Rakshak health plan offers a sum insured from INR 50,000 to 2.5 Lakhs.
Yes, AYUSH treatments are covered under the Zuno Corona Rakshak health plan.
Yes, you can purchase the Zuno Corona Rakshak health plan online by visiting the Zuno health insurance website.
Yes, Zuno Corona Rakshak health plan has a minimal waiting period of 15 days as compared to 30 days initial waiting period.

Conclusion

A basic standard health plan with affordable coverage, suitable for first-time buyers but limited to

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