ZUNO Empower Health Insurance

Happy Customers Comprehensive health plans

Buy Policy in just 2 mins Indemnity plans

Free Comparison AYUSH treatment covered

Network hospital

10000+

Network hospitals

Claim settlement ratio

98.54%

Claim settlement ratio

Sum Insured

Up to 1Cr.

Sum insured

No of Plans

1

No. of Plans

Solvency Ratio

1.7

Solvency Ratio

Pan India Presence

9+

Pan India Presence

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ZUNO Empower Health Insurance
Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Updated on Jul 07, 2025 3 min read

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 more than 40% disability, mental illness and HIV/AIDS. It is a specialised health policy to give coverage for disabilities, mental illness, and HIV, by following IRDAI guidelines. Along with this,  you will also get coverage for room rent, modern treatment, cataract, AYUSH treatment and much more. 

Zuno General Insurance Limited, formerly known as Edelweiss General Insurance, is a part of the Zuno Group, a multinational corporation offering various financial products and services. The company provides a range of health insurance plans across India, catering to the diverse needs of individuals and families. Know more about the plan ZUNO Empower health insurance.

 

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ZUNO Empower Health Insurance Specifications

To understand ZUNO Empower Health Insurance Insurance in detail, take a look at the below table:

Entry Age

Min- 3 months, Max- No age limit

Policy Type

Individual

Sum Insured

4 L | 5L

Initial Waiting Period*

30 Days

Renewability

Every year

Policy Term

1 year

*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 Empower Health Insurance

With wide coverage options available, ZUNO Empower Health 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

Not 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

Not 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

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.

Eligibility

  • Individuals who fall under the definition of "Persons with Disability" as per The Rights of Persons with Disabilities Act, 2016, including those with blindness, locomotor disability, mental illness, effects of acid attack, HIV/AIDS, etc.

  • Individuals with more than 40% disability, mental illness, and HIV/AIDS.

 

Benefits of Buying ZUNO Empower Health Insurance Policy

  • Inpatient Hospitalization Coverage

    Covers expenses related to hospitalization for a minimum of 24 hours, including room charges, nursing care, and surgeon fees.

  • Pre and Post-hospitalization Expenses

    Provides coverage for medical expenses incurred up to 30 days before hospitalization and 60 days after discharge.

  • Modern Treatment Coverage

    Covers expenses for advanced medical procedures and technologies.

  • Cataract Treatment

    Provides coverage for cataract treatment up to a specified limit.

  • Ambulance Charges

    Covers on-road ambulance expenses up to a certain limit per hospitalization.

  • AYUSH Coverage

    Includes expenses for treatment under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy systems of medicine.

ZUNO Empower Health Insurance Policy Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ZUNO Empower Health Insurance Plan are:

Admission is primarily for investigation and evaluation.

Admission for rest cure, rehabilitation, and respite care

Surgical treatment of obesity that does not meet certain conditions.

Gender change treatment or procedures.

Cosmetic or plastic surgery.

Treatment for injuries resulting from hazardous or adventure sports.

Bottom Line

The Zuno Empower Health Insurance Plan offers a comprehensive and flexible approach to safeguarding your health and finances.  With a range of customizable options, including varying coverage amounts and deductible choices, you can tailor a plan that perfectly aligns with your individual needs and budget.  From essential hospitalization coverage to critical illness protection and optional add-ons, Zuno Empower empowers you to take control of your healthcare journey. Don't wait until illness strikes – secure your future health today. Visit the Zuno Health website or contact PolicyX.com dedicated customer support team to learn more and get a personalized quote.  Protect yourself and your loved ones with Zuno Empower.

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

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 Empower Health Insurance: FAQs

1. What is Zuno Empower Health Insurance?

Zuno Empower Health Insurance is a specialized health insurance plan designed to provide coverage for individuals with disabilities, mental illnesses, and HIV, following IRDAI guidelines.

2. Who is eligible for Zuno Empower Health Insurance?

Individuals who fall under the definition of "Persons with Disability" as per The Rights of Persons with Disabilities Act, 2016, including those with blindness, locomotor disability, mental illness, effects of acid attack, HIV/AIDS, etc., and have more than 40% disability, mental illness, and HIV/AIDS, are eligible.

3. Can I buy the Zuno Empower Health Insurance policy online?

No, currently, Zuno Empower Health Insurance is not available for online purchase. You need to contact Zuno General Insurance directly.

4. Does the Zuno Empower Health Insurance policy cover pre-existing disabilities?

Yes, the policy covers pre-existing disabilities after a waiting period (typically 24 months for pre-existing disability/36 months for all pre-existing diseases other than HIV/AIDS and Disability). Always confirm the latest waiting periods with Zuno.

5. Does the Zuno Empower Health Insurance policy cover mental health conditions?

Yes, the policy covers mental illnesses as defined under the Rights of Persons with Disabilities Act, of 2016.

6. What are the sum insured options available under the Zuno Empower Health Insurance plan?

The sum insured options are Rs. 4 Lakhs or Rs. 5 Lakhs. (Always confirm the latest options with Zuno directly.)

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Simran saxena

Written By: Simran Saxena

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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