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Zuno Arogya Sanjeevani health insurance plan is a standard comprehensive health plan proposed by the IRDAI to simplify health insurance for the masses in India. It is a simple and affordable health plan which includes almost everything required for basic medical coverage. The sum insured varies from INR 1 Lakh to 5 Lakh in multiples of 50,000.
Zuno Arogya Sanjeevani health plan was designed to deal with rising medical care costs, especially during trying times like COVID-19. It is a family floater health plan and is active for 1 year. Zuno also offers a family discount of 5% when 2 or more members are covered on an individual basis.
Zuno Arogya Sanjeevani health plan offers:
| PLAN DETAILS |
Zuno Arogya Sanjeevani |
Optima Lite Health Insurance Plan |
| Product Type | Family | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | - |
| Plan Entry Age | 18 Years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 7,200 | - |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | In-patient hospitalization (room, ICU, doctor fees), pre (30 days) & post (60 days) hospitalization, daycare treatments, AYUSH treatment, cataract (with sub-limit), ambulance cover, modern treatments (robotic, stem cell, etc.) | - |
| Plan Sample Premium | 7,200 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98.54 | 95.30 |
| Solvency Ratio | 1.97 | 2.00 |
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