{"uin":"ZUNHLGP25037V032425","name":"Zuno Group Secure Plus","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zuno Group Secure Plus is a group health policy where the policyholder can choose one or more base covers such as critical illness, personal accident, hospital cash, inpatient hospitalisation and OPD. Loan-linked policies can run up to 5 years, non-loan-linked policies run for 1 year, and inpatient indemnity has 30-day initial, 24-month specific illness and 36-month PED waiting periods unless waived or reduced.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:02:42.977476+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Loan Linked","Non Loan Linked","Variant 1","Variant 2"],"display":"Loan Linked, Non Loan Linked; Critical Illness Variant 1 and Variant 2","note":"The two variants are stated for the Critical Illness section; loan-linked and non-loan-linked terms apply to policy issuance.","quote":"The product offered under two variants. The Policyholder can select any one option from the below mentioned variants. ... Loan Linked policies will be issued for a period of 1 year, 2 year or 3 years, 4 years 5 years i.e. upto a period of 5 years Non Loan linked policy will be issued upto a period of 1 year tenure only.","sources":[{"clause":"61(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-61-ii"},{"clause":"Excl01(X)(b)(vi)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vi"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Loan Linked policies are issued for 1, 2, 3, 4 or 5 years, up to 5 years. Non Loan linked policies are issued up to 1 year.","display":"Loan Linked: 1 to 5 years; Non Loan linked: 1 year","note":null,"quote":"Loan Linked policies will be issued for a period of 1 year, 2 year or 3 years, 4 years 5 years i.e. upto a period of 5 years Non Loan linked policy will be issued upto a period of 1 year tenure only.","sources":[{"clause":"Excl01(X)(b)(vi)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vi"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalisations/treatment, the company recommends pre-authorization at least 72 hours before the proposed hospitalisation. For reimbursement claims, complete information should be provided as soon as possible after admission or before discharge; for Loss of Job, intimation must be within 30 days from termination, dismissal, temporary suspension or retrenchment.","display":"Planned hospitalisation: at least 72 hours prior; reimbursement: as soon as possible after admission or before discharge; Loss of Job: within 30 days","note":null,"quote":"For cashless service: In case of planned hospitalisations/treatment, it is recommended that the Company be contacted for pre-authorization of Cashless Facility for at least 72 hours prior to the proposed hospitalisation. 2.For reimbursement of claim: Complete information details should be provided to the company as soon as possible after admission to the Hospital or before discharge from the hospital. ... The insured shall intimate the insurance company within thirty (30) days from the date of termination from employment of the insured or his/her dismissal, temporary suspension or retrenchment from employment as the case may be.","sources":[{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"},{"clause":"3","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-3-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original claim form duly signed and filled in","NEFT details of Insured / nominee","Photo ID Proof of Insured/ nominee","Address Proof of Insured / nominee","Original Discharge Certificate/Death Summary from the hospital/ Medical Practitioner","Original investigation test reports supporting the diagnosis, indoor case papers","Death certificate","F.I.R, Police Panchanama / Final Investigation report","Proof of Income","Amortization schedule and loan related details"],"display":"Original claim form, NEFT details, ID/address proof and section-specific medical, accident, job, income and loan documents","note":"The checklist adds different documents for different sections and allows 'Any other document required for claim processing' or 'Any other documents as may be required by us'.","quote":"Documents common for all benefits: o Original claim form duly signed and filled in. o NEFT details of Insured / nominee as the case may be. o Photo ID Proof of Insured/ nominee. o Address Proof of Insured / nominee ... Original Discharge Certificate/Death Summary from the hospital/ Medical Practitioner. ... Original investigation test reports supporting the diagnosis, indoor case papers. ... Death certificate. ... F.I.R, Police Panchanama / Final Investigation report ... Proof of Income ... Amortization schedule and loan related details","sources":[{"clause":"Row 12(ii)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-row-12-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Claims other than cashless are to be decided or settled within 15 days from submission of the claim. Cashless preauthorization TAT is 1 hour and cashless final bill authorization TAT is 3 hours; delay in claim payment carries interest at 2% above the bank rate from the date of intimation.","display":"Other than cashless: 15 days from submission; cashless preauthorization: 1 hour; final bill authorization: 3 hours","note":null,"quote":"The Company shall decide upon the claims (other than cashless) within 15 days from the submission of the claim. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of intimation of the claim at a rate 2% above the bank rate. ... i) TAT for preauthorization of cashless facility is 1 hour ... ii) TAT for cashless final bill authorization is 3 hours ... Claim settlement TAT - Settlement of claims (other than cashless) shall be settled within 15 days from submission of claim","sources":[{"clause":"Excl01(X)(d)(iii)","heading":"Biological attack or weapons","page":57,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-d-iii"},{"clause":"Row 12(i)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-row-12-i"},{"clause":"Row 12(ii)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-row-12-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact customer service on 1800-12000 or 022-42312000 or support@hizuno.com. If unresolved, escalate to the Grievance Cell at 1800-120-216216 or grievance@hizuno.com, then to the Grievance Redressal Officer at grievanceofficer@hizuno.com or 022-42312022 before IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"Customer service, then Grievance Cell, then Grievance Redressal Officer, then IRDAI/Bima Bharosa or Ombudsman","note":null,"quote":"If you are not satisfied with our services and wish to connect with us , please feel free to call our 24X7 Toll free number 1800-12000 or 022- 42312000 (tolled) or you may email to the customer service desk at support@hizuno.com. Escalation Level 1 For lack of a response or if the resolution still does not meet your expectations, you can contact our Grievance Cell on 1800-120- 216216 or write to grievance@hizuno.com . ... Escalation Level 2 For lack of a response or if the resolution still does not meet your expectations, you can write to the Grievance Redressal Officer at grievanceofficer@hizuno.com or call us at 022-42312022 ... Escalation Level 4 In case you are not satisfied with the response provided by the company or no response is received, you may approach the Insurance Ombudsman in your region","sources":[{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"For In-patient Hospitalisation, the prospectus lists sum insured options of 10K, 20K, 30K, 50K, 75K, 100K, increasing by 25K up to 500K, by 50K after 500K up to 1500K, 2000K, and in multiples of 50K up to 50000K. Loan-linked sections may use fixed or reducing sum insured.","display":"In-patient Hospitalisation: 10K, 20K, 30K, 50K, 75K, 100K; then +25K to 500K; +50K to 1500K; 2000K; multiples of 50K to 50000K","note":"From the prospectus for In-patient Hospitalisation; other benefit section limits are stated as the amount specified in the Policy Schedule/Certificate of Insurance.","quote":"8 | In-patient Hospitalisation | Sum Insured options - 10K, 20K, 30K, 50K, 75K, 100K with increase of 25K till 500K, increase of 50K after 500K till 1500K, 2000K, in multiples of 50K till 50000K ... For Loan Linked cover sections Insured will have option to choose the sum insured on\nA) Fixed Sum Insured B) Reducing Sum insured","sources":[{"clause":"Row 1","heading":"Critical Illness","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18042#c-row-1"},{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 Days","note":"For hospitalisation due to illness. Critical illness major conditions have 90 days, minor conditions 180 days, and infectious disease has 90 days unless reduced or waived.","quote":"Initial Waiting Period (For Hospitalization due to illness only)\nWaiting Period applicable - 30 Days\nExpenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Section 5","heading":"Hospital Cash Benefit","page":33,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-section-5"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 Months","note":"The policy allows reduction or waiver if specifically opted and mentioned in the Policy Schedule/Certificate of Insurance.","quote":"Pre-existing disease waiting period\nWating period: 36 Months ... Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of this cover.","sources":[{"clause":"Section 5","heading":"Hospital Cash Benefit","page":33,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-section-5"},{"clause":"Excl01(a)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Applies to In-patient Hospitalization indemnity; it can be reduced or waived if specifically opted and mentioned in the Policy Schedule/Certificate of Insurance.","quote":"Specified disease/ Procedure waiting Period- Code-Excl-02\na) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of this cover.","sources":[{"clause":"6(ii)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-6-ii-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery (unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair","Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders","Benign Prostatic Hypertrophy","Cataract","Dilatation and Curettage","Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers","Surgery of Genito-urinary system unless necessitated by malignancy","All types of Hernia & Hydrocele","Hysterectomy, unless necessitated by malignancy","Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant","Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone","Myomectomy for fibroids","Varicose veins and varicose ulcers"],"display":"Arthritis and joint/spinal conditions, benign ENT surgery, BPH, cataract, D&C, fissure/fistula/piles, genito-urinary surgery, hernia/hydrocele, hysterectomy, benign tumours/cysts/polyps, kidney/ureter/gall bladder stone, myomectomy and varicose veins/ulcers","note":null,"quote":"f) List of specific diseases/procedures\ni) Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery (unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair\nii) Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders\niii) Benign Prostatic Hypertrophy\niv) Cataract\nv) Dilatation and Curettage\nvi) Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers\nvii) Surgery of Genito-urinary system unless necessitated by malignancy\nviii) All types of Hernia & Hydrocele\nix) Hysterectomy, unless necessitated by malignancy\nx) Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant\nxi) Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone\nxii) Myomectomy for fibroids\nxiii) Varicose veins and varicose ulcers","sources":[{"clause":"6(ii)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-6-ii-5"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five continuous years","note":"Applicable for inpatient hospitalization indemnity; for enhanced sums insured, completion of 5 continuous years applies from the date of enhancement on the enhanced limits.","quote":"Moratorium Period (Applicable for inpatient hospitalization indemnity) After completion of five continuous years under the policy no look back to be applied. This period of five years is called as moratorium period. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under a health insurance policy with an Indian General/Health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Porting allowed with application at least 30 days before and not earlier than 60 days from renewal date, with accrued continuity benefits in waiting periods","note":null,"quote":"Portability The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"Excl01(X)(b)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"Excl01(X)(b)(v)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-v"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured person may cancel by giving 7 days' written notice. If no claim has been made, the company refunds proportionate premium for the unexpired period for policy terms up to one year, and refunds premium for the unexpired policy period for policies with term more than 1 year where risk coverage for such policy years has not commenced.","display":"7 days' written notice; pro-rata unexpired premium refund if no claim for terms up to 1 year","note":null,"quote":"The Insured Person may also give 7 days' notice in writing, to the Company, for the cancellation of this Policy, in which case the Company shall from the date of receipt of the notice, cancel the Policy and refund the premium for the unexpired period of this Policy on pro-rata basis as mentioned below, provided no Claim has been made under the Policy. ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"Excl01(X)(d)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-d-2"},{"clause":"Excl01(X)(a)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-a-3"},{"clause":"Excl01(X)(b)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is worldwide except that Inpatient Hospitalization and Critical Illness booster are restricted to Indian territory. Claims are settled in India and in Indian Rupees only.","display":"Worldwide, except Inpatient Hospitalization and Critical Illness booster are India-only; claims in India and INR","note":"Section 9 Worldwide Hospitalization applies outside India for emergency hospitalization.","quote":"Territorial limits The geographical scope of this policy will be worldwide except for Inpatient Hospitalization benefit and Critical Illness booster cover where the coverage is restricted within Indian territory. However the claims shall be settlement will be in India and in Indian Rupees only.","sources":[{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Available for policies with a term of one year or more; applies to new policies, not renewals or porting/migration.","quote":"Free Look Period The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"Excl01(X)(b)(vii)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 Days for monthly instalment premium and 30 days for quarterly, half-yearly , annual instalments","note":"15 days applies for monthly premium; 30 days applies for quarterly, half-yearly and annual instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 15 Days for monthly instalment premium and 30 days for quarterly, half-yearly , annual instalments to maintain continuity of benefits without break in policy.","sources":[{"clause":"Excl01(X)(b)(iv)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single premium","Half Yearly","Quarterly","Monthly","annual basis"],"display":"Single premium or instalment premium: Half Yearly, Quarterly or Monthly; grace clause also refers to annual basis","note":null,"quote":"The Insured person can choose to pay Premium for this Policy on any one of the following basis:\ni. Single premium\nii. Instalment premium\nIf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of Insurance ... Grace Period of 15 days for monthly would be given to pay the instalment premium due for the policy and 30 days for quarterly, half-yearly and annual basis","sources":[{"clause":"Excl01(X)(b)(vi)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vi"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"At renewal, coverage is not available during the grace period. If premium is paid in instalments during the policy period, coverage will be available during the grace period.","display":"Renewal grace: no cover; instalment premium during policy period: cover available","note":"The two statements apply to different contexts: renewal at the end of the policy period versus instalment premium during the policy period.","quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"Excl01(X)(b)(iv)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-iv"},{"clause":"Excl01(X)(b)(vi)","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047#c-excl01-x-b-vi"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Group Secure Plus policy wording","pages":62,"fetched_at":"2026-10-17 20:03:35+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_policy_wording_V_1_2_2221b2deef.pdf?updated_at=2024-09-26T06:01:20.343Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/17992"},{"kind":"wording","label":"Zuno Group Secure Plus Policy Wording","pages":64,"fetched_at":"2026-10-17 20:06:24+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_policy_wording_V_1_3_14740fe8a3.pdf?updated_at=2024-12-22T05:59:10.836Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18026"},{"kind":"wording","label":"Zuno Group Secure Plus Policy Wording","pages":73,"fetched_at":"2026-10-17 20:07:15+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_policy_wording_V_1_4_5588ed3319.pdf?updated_at=2026-01-13T05:49:11.752Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18047"},{"kind":"prospectus","label":"Zuno Group Secure Plus Prospectus","pages":47,"fetched_at":"2026-10-17 20:05:54+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_Prospectus_V_1_1_6f30005cfe.pdf?updated_at=2024-12-22T05:59:10.584Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18020"},{"kind":"prospectus","label":"Zuno Group Secure Plus Prospectus","pages":55,"fetched_at":"2026-10-17 20:07:08+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_prospectus_b3c6897936.pdf?updated_at=2026-01-13T05:49:11.700Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/18042"},{"kind":"cis","label":"Zuno Group Secure Plus CIS","pages":14,"fetched_at":"2026-10-17 20:02:30+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Secure_Plus_CIS_V_1_1_3a5cc63d0e.pdf?updated_at=2024-12-22T05:59:09.594Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425/document/17950"}],"versions":[{"uin":"ZUNHLGP25037V022425","version":null,"approved_on":null},{"uin":"EDLHLGP23116V012223","version":null,"approved_on":null},{"uin":"ZUNHLGP25037V032425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Zuno Group Secure Plus (UIN ZUNHLGP25037V032425), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-secure-plus-zunhlgp25037v032425"}