Zuno Covid Healthcare Insurance

Zuno Health Insurance launched Covid Healthcare Insurance, i ...Read More

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Updated on Jan 19, 2026 3 min read

Zuno Covid Healthcare Insurance

Zuno Health Insurance launched Covid Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, which are 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 3 policy tenures:

  • 3 months
  • 6 months and
  • 9 months

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

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Zuno Covid Healthcare Insurance Specifications

To understand Zuno Covid Healthcare Insurance Insurance in detail, take a look at the below table:

Entry Age

Min entry age - 18 Years, Max entry age - 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

2.5 L to 5 L

Initial Waiting Period*

15 Days

Renewability

NA

Policy Term

3.5, 6.5, 9.5

*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.

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Choose Your Zuno Covid Healthcare Insurance

With wide coverage options available, Zuno Covid Healthcare Insurance Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Available

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Zuno Covid Healthcare Insurance Benefits

Zuno COVID Healthcare Insurance offers several key benefits tailored to the needs of individuals and families during the pandemic:

  • Comprehensive COVID-19 Treatment Coverage

    These plans specifically cover hospitalisation 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-hospitalisation Expenses

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

  • Domiciliary Hospitalisation (Home Care)

    Recognising that not all COVID-19 cases require hospital admission, these plans often include coverage for domiciliary hospitalisation 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.

  • Lumpsum 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 hospitalisation 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 hospitalisation.

Zuno Covid Healthcare Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Zuno Covid Healthcare Plan are:

Hospitalization out of 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 healthcare 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, AYUSH treatment, and more are covered. To find the ideal covid healthcare plan, connect with PolicyX insurance experts. 

Explore other ZUNO Health Insurance

To cater to the different medical needs of an individual & their family, ZUNO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ZUNO Health Insurance plans explore more:

Individual

Zuno Corona Rakshak

Zuno Corona Rakshak

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 between 18 an...

Unique Features

  • COVID-19 Cover
  • Minimal Waiting Period
  • Consumables Cover

Zuno Corona Rakshak (Pros)

Zuno Corona Rakshak
  • COVID-19 cover
  • Tax benefits
  • Ambulance cover
  • Hospitalisation cover

Zuno Corona Rakshak (Cons)

Zuno Corona Rakshak
  • Illegal activities
  • Adventure sports
  • Obesity treatments
  • HIV/AIDS

Zuno Corona Rakshak (Other Benefits)

Zuno Corona Rakshak
  • Consumables cover
  • High sum insured
  • Affordable
  • Diagnostics covered

Zuno Corona Rakshak (Eligibility Criteria)

Zuno Corona Rakshak
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Sum insured: 50 K to 2.5 L
  • Waiting period: 15 days

Individual and Family Health Insurance

Zuno Corona Kavach

Zuno Corona Kavach

Corona Kavach is a floater health insurance plan designed to cover hospitalization expenses related to COVID-19. It is available for individuals and f...

Unique Features

  • Explore COVID-19 Care
  • Hospitalisation Expenses
  • Add-ons Available

Zuno Corona Kavach (Pros)

Zuno Corona Kavach
  • AYUSH Cover
  • Pre Hospitalization Cover
  • Ambulance Cover
  • COVID-19 Cover

Zuno Corona Kavach (Cons)

Zuno Corona Kavach
  • Obesity treatments
  • HIV/AIDS
  • Adventure sports
  • Illegal activities

Zuno Corona Kavach (Other Benefits)

Zuno Corona Kavach
  • Hospital cash
  • Discounts
  • Family cover
  • Tax benefits

Zuno Corona Kavach (Eligibility Criteria)

Zuno Corona Kavach
  • Min entry age: 18 years Max entry age: 65 years
  • Sum insured: 50k to 1 L
  • Waiting Period: 30 Days

Individual

ZUNO Empower Health Insurance

ZUNO Empower Health Insurance

Zuno Empower Health Insurance by ZUNO is a specialised health insurance plan that is designed to provide comprehensive coverage for individuals with m...

Unique Features

  • Comprehensive health plans
  • Indemnity plans
  • AYUSH treatment covered

ZUNO Empower Health Insurance (Pros)

ZUNO Empower Health Insurance
  • Inpatient hospitalisation
  • AYUSH coverage
  • Cataract treatment

ZUNO Empower Health Insurance (Cons)

ZUNO Empower Health Insurance
  • Rehabiliation not included
  • Cosmetic or plastic surgery not included
  • Gender change treatment not included

ZUNO Empower Health Insurance (Other Benefits)

ZUNO Empower Health Insurance
  • Specialised plan
  • Created for people with disability
  • People with HIV are eligible

ZUNO Empower Health Insurance (Eligibility Criteria)

ZUNO Empower Health Insurance
  • Entry age - 18 years
  • Max entry age - No age limit
  • SI - INR 5 L
  • Waiting Period - 30 days

Individual and Family Health Insurance

Zuno Covid Healthcare Insurance

Zuno Covid Healthcare Insurance

Zuno Health Insurance launched Covid Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, which are designed to address the fin...

Unique Features

  • Explore Zuno Covid Plans
  • Benefits Of Zuno Covid Care
  • Inclusions and Exclusions

Zuno Covid Healthcare Insurance (Pros)

Zuno Covid Healthcare Insurance
  • Lump sum benefit
  • Domiciliary benefit
  • Family cover
  • Ambulance cover

Zuno Covid Healthcare Insurance (Cons)

Zuno Covid Healthcare Insurance
  • Illegal activities
  • Nuclear attack or war
  • Intoxication injuries

Zuno Covid Healthcare Insurance (Other Benefits)

Zuno Covid Healthcare Insurance
  • High SI
  • Tax benefits
  • Add-ons available

Zuno Covid Healthcare Insurance (Eligibility Criteria)

Zuno Covid Healthcare Insurance
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Sum insured: 1 to 5 Lakhs
  • Waiting Period: 15 days

Accident Health Insurance

Zuno Saral Suraksha Bima Health Insurance

Zuno Saral Suraksha Bima Health Insurance

Zuno Saral Suraksha Bima by Zuno Health Insurance Company is a personal accident insurance policy in India, designed to protect individuals aged 18 to...

Unique Features

  • Accident health insurance plan
  • Benefits of the plan
  • Inclusions and exclusion

Zuno Saral Suraksha Bima Health Insurance (Pros)

Zuno Saral Suraksha Bima Health Insurance
  • Accidental death covered
  • Cumulative bonus
  • Education grant

Zuno Saral Suraksha Bima Health Insurance (Cons)

Zuno Saral Suraksha Bima Health Insurance
  • Not a comprehensive plan
  • Adventurous accident
  • War injuries not covered

Zuno Saral Suraksha Bima Health Insurance (Other Benefits)

Zuno Saral Suraksha Bima Health Insurance
  • Dental treatment
  • Plastic surgery
  • All the day care treatments

Zuno Saral Suraksha Bima Health Insurance (Eligibility Criteria)

Zuno Saral Suraksha Bima Health Insurance
  • Entry age - 18 years
  • Max entry age - 80 years
  • SI - INR 2.5 L to 1 Cr
  • No Waiting Period

Family

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani health insurance plan is a standard comprehensive health plan proposed by the IRDAI to simplify health insurance for the masses...

Unique Features

  • Explore Arogya Sanjeevani
  • Benefits and Features
  • Eligibility Criteria

Zuno Arogya Sanjeevani (Pros)

Zuno Arogya Sanjeevani
  • Affordable
  • No-claim bonus
  • Flexible policy
  • Modern procedures
  • Cataract cover

Zuno Arogya Sanjeevani (Cons)

Zuno Arogya Sanjeevani
  • 5% Co-payment
  • Obesity treatment unavailable
  • Hazardous activities not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Zuno Arogya Sanjeevani (Other Benefits)

Zuno Arogya Sanjeevani
  • Lifelong renewal
  • Road ambulance cover
  • Room rent cover
  • AYUSH treatment cover
  • Family discount

Zuno Arogya Sanjeevani (Eligibility Criteria)

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

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Zuno Covid Healthcare Insurance: FAQs

1. What was Zuno Health Insurance known as before?

Zuno Health Insurance was known as Edelweiss General Insurance. The company rebranded itself in February 2023.

2. How many plans does Zuno Health Insurance offer to cover COVID-19?

Zuno Health Insurance offers Corona Kavach and Corona Rakshak plans to cover COVID-19.

3. Zuno Covid health plans offer how much sum insured?

Zuno covid health insurance plans offer up to INR 5 Lakhs of sum insured.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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