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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.
| PLAN DETAILS |
Zuno Saral Suraksha Bima Health Insurance |
Sarvah Plan |
| Product Type | Accident Health Insurance | 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 | Not 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) |
Not covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not covered | 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) |
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 applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not applicable | Not Covered |
| Plan Entry Age | 18 years to 70 years | 91 days to no maximum age limit |
| Plan Premium Entry Age and S/A | 1,600 | 4804 |
| Plan Waiting Period | 00 | 30 |
| Plan Coverage | Accidental death cover, total disability cover, partial disability cover, hospitalization expenses (add-on) | Hospitalization up to ₹3 Cr, Personal Accident Cover up to ₹3 Cr, Maternity & Newborn expenses, Unlimited Sum Insured Restoration, Pre-Existing Disease coverage |
| Plan Sample Premium | 1,600 | 4804 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not covered | Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Not covered | Covered |
| Modern Treatment | Not covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98.54 | 98 |
| Solvency Ratio | 1.97 | 1.76 |
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