About Zuno Health Insurance – Gold Plan
Get coverage up to Rs 20 Lakh, including Pre & Post Hospitalisation, Day Care Treatment, Ambulance Cover, Domiciliary Cover, AYUSH treatments, Hospital Cash Benefit, and Annual Health Check-ups. Enjoy additional benefits such as Maternity Cover, Recovery Benefits, Critical Illness Cover, Restore Benefit, and many other assistance services.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 5, 7.5, 10, 15, 20 Lacs |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 50% of SI increase per claim free year, max up to 100% of SI; |
| Initial Waiting Period | 30 Days |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: 18 Years; Child: 91 Days |
| Maximum Entry Age |
Adult: 65 Years; Child: 25 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type | Individual and Family Floater: Max up to 6 person |
| Who are covered | Self, Spouse, Dependent Children and Dependent Parents and Dependent Parent-In-Laws, Brother, Sister, Grandmother and Grandfather |
Features & Benefits of Zuno Health Insurance – Gold Plan:
For complete health coverage for your family, choose our Zuno Health Insurance – Gold Policy. It covers all medical expenses and offers discounts, tax benefits, and co-payment options! Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 4 years from the policy start date
Room Rent Limit
Single Private Room
ICU Charges
Covered up to Sum Insured
Cumulative Bonus
50% of Sum Insured per year, max up to 100% of SI
Organ Donor
Covered up to Rs. 1 Lacs
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to Sum Insured
Road Ambulance Cover
Covered up to Rs. 3,000 per policy year
Maternity Waiting Period
4 Years
Maternity Benefits Limit
Covered up to Rs. 50,000
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Health Check Up
Once every claim-free year
Restoration Benefit
Sum Insured once in a year
Co-Pay
Full claim paid by Insurer
Daily Hospitalization Allowance
Rs. 1,000 per day from 4th day till 10th day of hospitalization
AYUSH Treatment
Covered up to Sum Insured
Tax Benefits
Avail of tax benefits under Section 80D of the Income Tax Act
Unlimited E-Consultations
Available for Consultations with General Physicians
Exclusion of Zuno Health Insurance – Gold Plan:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Zuno Health Insurance – Gold Plan:
New Born Baby Covered
Not Covered
Worldwide Emergency Cover
Not Covered
Air Ambulance Cover
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Change-of-Gender treatments
Birth disabilities
Add-ons to cover your specific needs:
Enhance your Zuno Health Insurance – Gold Plan insurance policy with our optional add-on covers to optimize your benefits and tailor your coverage to meet specific healthcare needs.
Health 241
If you take your Zuno Health Insurance Policy with the Health 241 Add-on and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year.
Recharge
The Company will replenish 100% of the Sum Insured on indemnity basis once in a policy year in case the Total Sum Insured inclusive of earned No Claim Bonus (if any) is insufficient due to claims paid or accepted as payable during the Policy Year. (In case the Recharge Sum Insured is not utilized in a Policy Year, it shall not be carried forward to subsequent Policy Year.)
Voluntary Copay
The Insured Person can opt for a 10% co-pay option or 20% co-pay option of the claim amount that is assessed for the payment and will be borne by the Insured Person. (Insured person with age 60 years or less is eligible for this option)
