Zuno Saral Suraksha Bima Health Insurance

Zuno Saral Suraksha Bima by Zuno Health Insurance Company is ...Read More

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Updated on Dec 08, 2025 4 min read

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 70 from financial hardship due to accidents. It offers coverage for injuries, disabilities, or death resulting from accidental events. Importantly, accidents aren't limited to vehicle collisions. The policy defines an accident as any sudden, unforeseen, and unexpected physical event caused by external, violent, and visible means. This could include workplace incidents (like a factory accident), household accidents (such as a ceiling collapse), or road accidents (like a collision between a bike and a cyclist). Essentially, Saral Suraksha Bima provides a safety net for a wide range of accidental circumstances.

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Zuno Saral Suraksha Bima Health Insurance Specifications

To understand Zuno Saral Suraksha Bima Health Insurance Insurance in detail, take a look at the below table:

Entry Age

18 years to 70 years

Policy Type

Accident Health Insurance

Sum Insured

2.5 L | 10 L | 50 L | 1 Cr

Initial Waiting Period*

00 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.

Read more specifications in the brochure.

What are the Benefits of Zuno Saral Suraksha Bima?

Accidental death
In case, the policyholder dies due to any accident, this policy will give 100% of the sum insured to the nominee.
Permanent total disablement
If the insured person suffers any loss of body parts like eyes, hands or feet, due to an accident during the policy period, they will get the 100% sum insured.
Permanent partial disablement
In case of partial disablement, the insured person will get a lump sum amount of the sum insured amount.
Hospitalisation expenses due to accident
In case of hospitalisation, 10% of your sum insured will be provided as cash to the insurer for their daily expenses.
Education grant
In case of death or permanent disability, your kids will get 10% of the sum insured for their education.
Temporary total disablement
If the insured person suffers an injury in an accident during the policy period that completely prevents them from performing any job or occupation they were capable of at the time of the accident (Temporary Total Disablement), the company will pay the benefit specified in the policy schedule.

Zuno Saral Suraksha Bima Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Zuno Saral Suraksha Bima are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Hazardous sports

AIDS

Miscarriage and abortion

Congenital disease

Infertility and in vitro fertilization

Conclusion

Zuno Saral Suraksha Bima offers a straightforward and accessible approach to health insurance, providing essential coverage for unforeseen medical expenses in case of an accident. With its simplified structure and focus on core benefits, this plan aims to alleviate the financial burden of hospitalization and treatment, allowing you to focus on your recovery. While it is important to review the policy details and exclusions to ensure they align with your individual needs, Zuno Saral Suraksha Bima presents a valuable option for those seeking a reliable and uncomplicated health insurance solution.

To know more about any health insurance plan, contact PolicyX.com.

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 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)

COVID-19 cover
Tax benefits
Ambulance cover
Hospitalisation cover

Zuno Corona Rakshak (Cons)

Illegal activities
Adventure sports
Obesity treatments
HIV/AIDS

Zuno Corona Rakshak (Other Benefits)

Consumables cover
High sum insured
Affordable
Diagnostics covered

Zuno Corona Rakshak (Eligibility Criteria)

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

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)

AYUSH Cover
Pre Hospitalization Cover
Ambulance Cover
COVID-19 Cover

Zuno Corona Kavach (Cons)

Obesity treatments
HIV/AIDS
Adventure sports
Illegal activities

Zuno Corona Kavach (Other Benefits)

Hospital cash
Discounts
Family cover
Tax benefits

Zuno Corona Kavach (Eligibility Criteria)

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 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)

Inpatient hospitalisation
AYUSH coverage
Cataract treatment

ZUNO Empower Health Insurance (Cons)

Rehabiliation not included
Cosmetic or plastic surgery not included
Gender change treatment not included

ZUNO Empower Health Insurance (Other Benefits)

Specialised plan
Created for people with disability
People with HIV are eligible

ZUNO Empower Health Insurance (Eligibility Criteria)

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 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)

Lump sum benefit
Domiciliary benefit
Family cover
Ambulance cover

Zuno Covid Healthcare Insurance (Cons)

Illegal activities
Nuclear attack or war
Intoxication injuries

Zuno Covid Healthcare Insurance (Other Benefits)

High SI
Tax benefits
Add-ons available

Zuno Covid Healthcare Insurance (Eligibility Criteria)

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 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)

Accidental death covered
Cumulative bonus
Education grant

Zuno Saral Suraksha Bima Health Insurance (Cons)

Not a comprehensive plan
Adventurous accident
War injuries not covered

Zuno Saral Suraksha Bima Health Insurance (Other Benefits)

Dental treatment
Plastic surgery
All the day care treatments

Zuno Saral Suraksha Bima Health Insurance (Eligibility Criteria)

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 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)

Affordable
No-claim bonus
Flexible policy
Modern procedures
Cataract cover

Zuno Arogya Sanjeevani (Cons)

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

Zuno Arogya Sanjeevani (Other Benefits)

Lifelong renewal
Road ambulance cover
Room rent cover
AYUSH treatment cover
Family discount

Zuno Arogya Sanjeevani (Eligibility Criteria)

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

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Zuno Saral Suraksha Bima Health Insurance: FAQs

1. What does Zuno Saral Suraksha Bima cover?

This plan generally covers hospitalization expenses, including room charges, doctor’s fees, surgery costs, and other related medical expenses up to the sum insured. Some plans might include coverage for specific treatments or critical illnesses. Refer to the policy document for the precise inclusions.

2. Can I cover my family under this plan?

Yes, Zuno Saral Suraksha Bima’s plans allow you to cover your spouse and dependent children. Check the policy details for family floater options.

3. How is the premium calculated for the Zuno Saral Suraksha Bima Plan?

You can calculate the premium based on factors like age, sum insured, and sometimes medical history.

4. How do I pay my premium for the Zuno Saral Suraksha Plan?

You can pay the premium annually, semi-annually, quarterly, or monthly, using various methods like online payment, cheque, or direct debit.

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Zuno Saral Suraksha Bima Health Insurance

Why Do We Exist?

Compare

Compare

Zuno Saral Suraksha Bima Health Insurance Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

What are the Benefits of Zuno Saral Suraksha Bima?

Accidental death

Permanent total disablement

Permanent partial disablement

Hospitalisation expenses due to accident

Education grant

Temporary total disablement

Zuno Saral Suraksha Bima Exclusions

Permanent Exclusions

Conclusion

Explore other ZUNO Health Insurance

Zuno Corona Rakshak (Pros)

Zuno Corona Rakshak (Cons)

Zuno Corona Rakshak (Other Benefits)

Zuno Corona Rakshak (Eligibility Criteria)

Zuno Corona Kavach (Pros)

Zuno Corona Kavach (Cons)

Zuno Corona Kavach (Other Benefits)

Zuno Corona Kavach (Eligibility Criteria)

ZUNO Empower Health Insurance (Pros)

ZUNO Empower Health Insurance (Cons)

ZUNO Empower Health Insurance (Other Benefits)

ZUNO Empower Health Insurance (Eligibility Criteria)

Zuno Covid Healthcare Insurance (Pros)

Zuno Covid Healthcare Insurance (Cons)

Zuno Covid Healthcare Insurance (Other Benefits)

Zuno Covid Healthcare Insurance (Eligibility Criteria)

Zuno Saral Suraksha Bima Health Insurance (Pros)

Zuno Saral Suraksha Bima Health Insurance (Cons)

Zuno Saral Suraksha Bima Health Insurance (Other Benefits)

Zuno Saral Suraksha Bima Health Insurance (Eligibility Criteria)

Zuno Arogya Sanjeevani (Pros)

Zuno Arogya Sanjeevani (Cons)

Zuno Arogya Sanjeevani (Other Benefits)

Zuno Arogya Sanjeevani (Eligibility Criteria)

Health Insurance Premium Calculator

Zuno Saral Suraksha Bima Health Insurance: FAQs

1. What does Zuno Saral Suraksha Bima cover?

2. Can I cover my family under this plan?

3. How is the premium calculated for the Zuno Saral Suraksha Bima Plan?

4. How do I pay my premium for the Zuno Saral Suraksha Plan?

Explore ZUNO Health Insurance

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Written By: Simran Kaur Vij

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