Zuno Covid Healthcare Insurance

Overview

Zuno Health Insurance launched COVID Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, designed to address the financial burdens of the Coronavirus pandemic. These plans aim to provide peace of mind by ensuring access to timely and comprehensive medical care without the added stress of exorbitant expenses. The plan offers three policy tenures:

• 3 months
• 6 months
• 9 months

Under Corona Kavach, hospitalization expenses are covered if you are hospitalized due to COVID-19. Additionally, Corona Rakshak offers a 100% lump sum of the sum insured when the policyholder is hospitalized for more than 72 hours due to COVID-19.

Zuno COVID Healthcare Insurance Benefits

Comprehensive COVID-19 Treatment Coverage

These plans specifically cover hospitalization expenses related to COVID-19 treatment, including room rent, ICU charges, doctor's fees, and other related medical costs. This ensures that policyholders receive necessary care without significant out-of-pocket expenses.

Pre and Post-hospitalization Expenses

Zuno's policies typically cover medical expenses incurred both before and after hospitalization for COVID-19, providing a more holistic financial safety net. This includes costs for diagnostic tests, medicines, and consultations.

Domiciliary Hospitalization (Home Care)

Recognizing that not all COVID-19 cases require hospital admission, these plans often include coverage for domiciliary hospitalization or home care treatment. This is particularly valuable in situations where hospital beds are unavailable or a patient cannot be transported to a hospital.

Flexible Policy Options

Zuno offers both individual and family floater options for their COVID policies, allowing policyholders to choose the plan that best suits their needs. Family floater plans can cover a spouse, dependent children, and parents/parents-in-law under a single policy.

Lump-sum Benefit (Corona Rakshak)

The "Corona Rakshak" policy provides a lump-sum payment of 100% of the sum insured upon positive diagnosis of COVID-19 requiring continuous hospitalization for at least 72 hours. This provides immediate financial support for unforeseen expenses.

No Pre-policy Medical Check-up (for eligible ages)

For individuals below a certain age (e.g., 60 years for Corona Kavach), a pre-policy medical check-up may not be required, simplifying the purchase process.

Cashless Treatment and Reimbursement

Policyholders can avail of cashless treatment at Zuno's network of empanelled hospitals or opt for reimbursement for treatment at non-network hospitals, offering flexibility and convenience during a medical emergency.

Add-on Benefits

Some plans, like Corona Kavach, may offer add-ons such as hospital daily cash, which provides a fixed daily cash amount for non-medical expenses during hospitalization.

Exclusions

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

Conclusion

Zuno COVID Healthcare is an ideal solution to tackle medical bills arising from COVID-19. With the rise of coronavirus cases, investing in a COVID-19 healthcare plan is essential. Expenses like pre- and post-hospitalization, domiciliary care, Hospital Cash, and AYUSH treatment are covered. To find the ideal COVID healthcare plan, connect with PolicyX insurance experts.