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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 |
Ultimate Care |
| Product Type | Individual | Individual and Family Health Insurance |
| 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 | 11400+ |
| 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 | 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 | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Not Available |
| Plan Entry Age | Min- 3 months, Max- No age limit | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong |
| Plan Premium Entry Age and S/A | 7,600 | 6491 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalization expenses, pre post expenses, daycare treatments, AYUSH modern treatment | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover |
| Plan Sample Premium | 7,600 | 6491 |
| 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 | Covered |
| Ayush Treatment | Covered | 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 | 97 |
| Solvency Ratio | 1.97 | 1.74 |
|
Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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