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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 DETAILS |
Zuno Empower Health Insurance |
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Bajaj General Herizon Care |
| Product Type | Individual | Individual |
| 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) |
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 | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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 | 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 | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Available |
| Plan Entry Age | Min- 3 months, Max- No age limit | Adults: 18 – 80 years, Children: 90 days – 35 years |
| Plan Premium Entry Age and S/A | 7,600 | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalization expenses, pre post expenses, daycare treatments, AYUSH modern treatment | Maternity & pregnancy expenses, infertility treatment & assisted reproductive technology, critical illness cover for women-specific diseases, hospitalization & day care procedures, newborn & baby care cover, mental health & emotional wellness support. |
| Plan Sample Premium | 7,600 | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1/2/3/4/5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98.54 | 99.23 |
| Solvency Ratio | 1.97 | 3.25 |
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