ChatGPT
Claude
Perplexity
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 fo…
- COVID-19 cover
- Tax benefits
- Ambulance cover
- Hospitalisation cover
ZUNO Health Insurance
ZUNO Empower Health Insurance
Zuno Empower Health Insurance by ZUNO is a specialized health insuranc ...Read More
Up to 1Cr.
Sum insured
1
No. of plans
9+
Pan India presence
98.54%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 10,000+ hospitals
📊 1.97 solvency ratio
✅ 98.54% claim settlement
About ZUNO Empower Health Insurance
A quick read on what this ZUNO Health Insurance plan covers and why it might be a fit for you.
Zuno Empower Health Insurance by ZUNO is a specialized health insurance plan designed to provide comprehensive coverage for individuals with more than 40% disability, mental illness, and HIV/AIDS. This specialized health policy offers coverage for disabilities, mental illness, and HIV, adhering to IRDAI guidelines. Additionally, it includes coverage for room rent, modern treatments, cataract, AYUSH treatment, and much more.
Zuno General Insurance Limited, formerly known as Edelweiss General Insurance, is 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. Learn more about the ZUNO Empower Health Insurance plan.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 3 months, Max- No age limit
Plan type
Individual
Sum insured options
₹4 L, ₹5 L
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Inpatient hospitalisation
- AYUSH coverage
- Cataract treatment
Cons
- Rehabilitation not included
- Cosmetic or plastic surgery not included
- Gender change treatment not included
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract 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 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
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- 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.
Exclusions
- Permanent diseases or health conditions that are not included under ZUNO Empower Health Insurance Plan are:
- Admission 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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: - 18 years
- Max entry age: - No age limit
- SI: - INR 5 L
- Waiting Period: - 30 days
Other features & benefits
Bottom Line
The Zuno Empower Health Insurance Plan offers a comprehensive and flexible approach to safeguarding your health and finances. With customizable options, including varying coverage amounts and deductible choices, you can tailor a plan that aligns with your individual needs and budget. From essential hospitalization coverage to critical illness protection and optional add-ons, Zuno Empower helps you manage your healthcare journey. For more information and a personalized quote, visit the Zuno Health website or contact PolicyX.com's dedicated customer support team.
ZUNO Empower Health Insurance: FAQs
The 6 most-asked questions about ZUNO Empower Health Insurance, answered.
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.
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.
No, currently, Zuno Empower Health Insurance is not available for online purchase. You need to contact Zuno General Insurance directly.
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.
Yes, the policy covers mental illnesses as defined under the Rights of Persons with Disabilities Act, of 2016.
The sum insured options are Rs. 4 Lakhs or Rs. 5 Lakhs. (Always confirm the latest options with Zuno directly.)
Conclusion
A niche plan designed for people with disabilities or serious conditions, offering inclusion but lim
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026.
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 61 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?