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Zuno Health Insurance launched Covid Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, 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 three policy tenures:
Under Corona Kavach, hospitalization expenses are covered if you are hospitalized due to COVID-19. Additionally, Corona Rakshak offers a 100% lump sum of the sum insured when the policyholder is hospitalized for more than 72 hours due to COVID-19.
| PLAN DETAILS |
Zuno Covid Healthcare Insurance |
Galaxy Top Up Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not 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) |
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 | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 3216 |
| 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) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | 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) |
Not Available | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Not Covered |
| Plan Entry Age | Min entry age - 18 Years, Max entry age - 65 Years | Adults: 18 to 65 years, Dependent children: 16 days to 25 years. |
| Plan Premium Entry Age and S/A | 4,200 | 1995 |
| Plan Waiting Period | 15 | 30 |
| Plan Coverage | Covid hospitalization cover, home care treatment, pre and post hospitalization expenses, cashless treatment | Hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, AYUSH treatment cover, organ transplant cover, ambulance, and air ambulance. |
| Plan Sample Premium | 4,200 | 1995 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 3.5, 6.5, 9.5 | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98.54 | 98.9 |
| Solvency Ratio | 1.97 | 4.70 |
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