About Zuno Health Insurance – Silver Plan
Introducing Zuno Health Insurance, offering comprehensive coverage for individuals and families. Key benefits include coverage for hospitalization, day care, AYUSH treatments, health checkup, hospital cash, and critical illness cover.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 5 Lacs |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 10% of SI increase per claim free year, max up to 50% 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 – Silver Plan:
For complete health coverage for your family, choose our Zuno Health Insurance – Silver 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
10% of Sum Insured per year, max up to 50% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to Sum Insured
Road Ambulance Cover
Covered up to Rs. 1,500 per policy year
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Health Check Up
Once every claim-free year
Co-Pay
Full claim paid by Insurer
Daily Hospitalization Allowance
Rs. 500 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
Exclusion of Zuno Health Insurance – Silver 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 – Silver Plan:
Organ Donor
Not Covered
Maternity Waiting Period
Not Covered
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 – Silver Plan insurance policy with our optional add-on covers to optimize your benefits and tailor your coverage to meet specific healthcare needs.
Restoration
The Company will restore 100% of the Sum Insured once in a policy year on an indemnity basis 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. (Restoration will not trigger on the first claim)
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.
Critical Illness
The Company will Indemnify the Insured Person, through Cashless/Reimbursement facility and limit is 50% of the Sum Insured.
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)
