{"uin":"ZUNHLGP26043V032526","name":"Zuno Group Health Insurance","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526","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 Health Insurance is a group health indemnity policy issued for up to one year with individual and floater options. It has a 30-day initial waiting period, 36-month pre-existing disease waiting period, five-year moratorium, and many optional group covers including maternity, family floater, room rent capping and critical illness.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:02:47.58812+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":["Individual","Floater"],"display":"Individual and Floater","note":"These are policy types shown in the eligibility table; the documents do not name retail-style plan variants.","quote":"Policy Type | Individual | Floater","sources":[{"clause":"Excl07(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b-4"}],"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":"The policy is issued for a period up to 1 year. The sum insured and benefits apply on a Policy Year basis.","display":"Up to 1 year","note":null,"quote":"The policy will be issued for a period up to 1 year. The Sum Insured and Benefit will be applicable on Policy Year basis.","sources":[{"clause":null,"heading":"1. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-1-premium-payment-in-instalments"}],"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 hospitalisation or treatment, contact the Company for cashless pre-authorisation at least 72 hours before hospitalisation. For emergencies, contact the insurer within 24 hours of hospitalisation or before discharge, whichever is earlier; for reimbursement, complete details should be given as soon as possible after admission or before discharge.","display":"Planned cashless: at least 72 hours before hospitalisation; emergency: within 24 hours or before discharge; reimbursement: as soon as possible after admission or before discharge","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. ... In Emergencies: If the Insured Person has been hospitalized in an emergency, it is recommended to contact us within 24 hours of the hospitalization or before discharge, whichever is earlier.","sources":[{"clause":"Excl07(b)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b-iv"},{"clause":"Excl07(ii)","heading":"In Emergencies","page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-ii-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":["Correctly filled in claim form( s) and photo ID proof","Original bills, receipts, discharge /cards from the hospital/doctor","Original bills from chemist shops along with the prescription","Original test reports and payment receipts","MLC/FIR report/Post mortem report if needed","Doctor’s referral letter asking for hospitalisation","Original bills and receipts for the ambulance charges and doctor’s fees","Prescriptions for claiming benefits for external mobility help.","Account details for Electronic Fund Transfer (EFT mandate form and cancelled cheque)","Any other document that the TPA or we may request for."],"display":"Claim form and photo ID, original hospital and doctor bills/receipts/discharge cards, chemist bills with prescription, test reports and receipts, MLC/FIR/post-mortem if needed, doctor referral, ambulance and doctor fee receipts, external mobility prescriptions, EFT details and any other requested document","note":"The same clause says the TPA handles claims on the insurer's behalf and asks for these within 15 days of discharge or finishing treatment.","quote":"• Correctly filled in claim form( s) and photo ID proof\n• Original bills, receipts, discharge /cards from the hospital/doctor\n• Original bills from chemist shops along with the prescription\n• Original test reports and payment receipts\n• MLC/FIR report/Post mortem report if needed\n• Doctor’s referral letter asking for hospitalisation\n• Original bills and receipts for the ambulance charges and doctor’s fees\n• Prescriptions for claiming benefits for external mobility help.\n• Account details for Electronic Fund Transfer (EFT mandate form and cancelled cheque)\n• Any other document that the TPA or we may request for.","sources":[{"clause":"Excl07(IV)(b)(vi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-iv-b-vi"}],"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":"The Company says it will decide claims other than cashless claims within 15 days from submission of the claim. The claim section says payment is through Electronic Fund Transfer and interest for delay runs from the date of receiving the last documents to the actual date of payment at 2% above the bank rate.","display":"Non-cashless claims decided within 15 days from submission; delay interest 2% above bank rate","note":"Another general term in the wording says delay interest is from the date of intimation of the claim.","quote":"The Company shall decide upon the claims (other than cashless) within 15 days from the submission of the claim. ... The Company shall decide upon the claims (other than cashless) within 15 days from the submission of the claim. The payment will happen through Electronic Fund Transfer. In case we delay, make us pay for it! We’ll have to pay interest from the date of receiving the last documents, to the actual date of payment, at a rate that’s 2% above the bank rate.","sources":[{"clause":null,"heading":"6. Claim Settlement (provision for Penal lnterest)","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-6-claim-settlement-provision-for-penal-lnterest"},{"clause":"Excl07(IV)(b)(vi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-iv-b-vi"}],"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":"quote-verified","value":["Expenses 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","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry period of continuous coverage","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days of continuous coverage","Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to sterility and infertility","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any unproven treatment, services and supplies","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Medical treatment expenses traceable to childbirth","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex"],"display":"Main exclusions include the 30-day illness waiting period, specified disease/procedure waiting periods, 36-month PED waiting period, sterility and infertility, diagnostics-only admission, rest cure, health hydros/nature cure/spas, cosmetic surgery, unproven treatment, breach of law, alcohol/drug abuse, professional hazardous sports, maternity unless opted, and change-of-gender treatment.","note":"Several exclusions say they do not apply if the corresponding optional cover is specifically opted and mentioned in the policy schedule.","quote":"Expenses 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. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry period of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days of continuous coverage after the date of inception of the first policy with us. ... 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 the first policy with insurer. ... Sterility and Infertility: Code- Excl-17 Expenses related to sterility and infertility. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl-13 ... Cosmetic or Plastic Surgery -Code-Excl-08 Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Unproven Treatments: Code- Excl-16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Breach of law- Code- Excl-l0 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl-12 ... Hazardous or Adventure sports - Code- Excl-09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Maternity Expenses: Code – Excl-18\ni. Medical treatment expenses traceable to childbirth ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","sources":[{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-5"},{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-6"},{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-7"},{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-8"},{"clause":"42(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-d-6"},{"clause":"42(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-9"},{"clause":"42(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-10"},{"clause":"42(a)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-ii-2"},{"clause":"42(b)(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-b-iii"},{"clause":"Excl07","heading":"Change – of – Gender treatments: Code- Excl07","page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07"}],"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 Zuno customer service at 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 or Ombudsman.","display":"Customer service first, then Grievance Cell, then Grievance Redressal Officer","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","sources":[{"clause":null,"heading":"17. Grievance","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-17-grievance"}],"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":"The prospectus gives sum insured options from minimum Rs. 10,000 to maximum Rs. 5,00,00,000, with listed slabs including 10K, 20K, 30K, 50K, 75K, 100K, 25K increases up to 500K, 50K increases after 500K up to 1500K, then 2000K, 5000K, 7500K, 10000K, 20000K, 30000K, 40000K and 50000K.","display":"Rs. 10,000 to Rs. 5,00,00,000","note":"The policy wording defines Sum Insured by reference to the Policy Schedule; the slab list is from the prospectus.","quote":"Sum insured offered are minimum Rs. 10,000 and maximum Rs. 5,00,00,000 ... Hospitalization Expenses | Sum Insured: 10K, 20K, 30K, 50K, 75K, 100K with increase of 25K till 500K, increase of 50K after 500K till 1500K, 2000K, 5000K, 7500K, 10000K, 20000K, 30000K, 40000K & 50000K","sources":[{"clause":"1","heading":"Features","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-1"},{"clause":"Row 1","heading":"Hospitalization Expenses","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-1"}],"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":"Accident claims are excepted if covered.","quote":"Expenses 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":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-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":"Can be waived or reduced only if the optional Pre-existing Disease Exclusion Waiver/Reduction is bought and shown in the policy schedule.","quote":"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 the first policy with insurer.","sources":[{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-8"}],"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":"days","amount":90},"display":"90 days; 24 months for other listed conditions","note":"The shortest specified disease/procedure waiting period is 90 days. A separate 24 months waiting period applies to the longer listed procedures.","quote":"2. 90 Days Waiting Period ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days of continuous coverage after the date of inception of the first policy with us. ... ii. Specified disease/ Procedure waiting Period- Code-Excl-02\n1. 24 Months waiting period","sources":[{"clause":"42(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-f-4"},{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-7"},{"clause":"42(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-c-4"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"5 continuous years","note":"For enhanced sums insured, the five continuous years apply from the date of enhancement only on the enhanced limits.","quote":"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":null,"heading":"3. Moratorium Period","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-3-moratorium-period"}],"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 another insurer by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued waiting-period continuity benefits are available as per IRDAI portability guidelines.","display":"Available; apply 30 to 60 days before renewal, with continuity benefits as per IRDAI portability guidelines","note":null,"quote":"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":null,"heading":"15. Portability","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-15-portability"}],"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":"quote-verified","value":true,"display":"Yes; maximum age no upper limit and cover ceasing age no","note":"The policy is a renewable group policy; renewal is subject to the policy's renewal terms.","quote":"The policy shall ordinarily be renewable except on grounds of fraud misrepresentation by the insured person., ... Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... Maximum Age | No upper Limit | No\nCover ceasing age | No | No","sources":[{"clause":null,"heading":"14. Renewal of policy","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-14-renewal-of-policy"},{"clause":"Excl07(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b-4"}],"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 renewal based on an individual's claim experience. At group renewal, however, the total group premium can be loaded or discounted depending on the incurred claims ratio for the entire group insured under the policy.","display":"No individual claim-based loading; group premium may be loaded based on the entire group's incurred claims ratio","note":null,"quote":"No loading shall apply on renewals based on individual claims experience ... At the time of renewal, if claims in the past year have been lesser than expected, a Low Claim Ratio Discount will be given on the total premium, depending upon the incurred: claims ratio for the entire group insured under the policy. The total premium to be paid at renewal of the group policy will be loaded (increased) depending on the incurred: claims ratio for the entire group insured under the policy.","sources":[{"clause":"Excl07(d)(v)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-d-v"},{"clause":"Excl07(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b-4"}],"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 policyholder may cancel with 7 days' written notice. If the policy term is up to one year and no claim has been made, the insurer refunds proportionate premium for the unexpired period; no refund is made where any claim has been admitted, lodged, or any benefit availed.","display":"7 days' written notice; proportionate refund for unexpired period if term up to one year and no claim","note":"For policies with term more than 1 year, refund is for unexpired policy years where risk coverage has not commenced.","quote":"The policyholder may cancel this policy by giving 7 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... 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. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":null,"heading":"7. Cancellation/Termination","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-7-cancellation-termination"},{"clause":"Excl07(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-a"},{"clause":"Excl07(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b"}],"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":"Medical treatment is covered only when taken fully in India, unless the policy mentions otherwise. Payments are made in Indian Rupees.","display":"India only, unless mentioned otherwise","note":null,"quote":"This Policy only covers medical treatment taken fully in India, unless mentioned otherwise. All payments will be made in Indian Rupees.","sources":[{"clause":"Excl07(IV)(b)(vi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-iv-b-vi"}],"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":"30 days","note":"Available for policies with a term of one year or more; not on renewals or at porting/migration.","quote":"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":"Excl07(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-d"}],"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 instalments; 30 days for quarterly, half yearly and annual modes","note":"The displayed answer gives both variants; norm uses the shorter 15-day monthly grace period.","quote":"Grace Period of 15 days would be given to pay for the monthly instalment premium and 30 days for quarterly, half yearly and annual modes of premium due for the policy.","sources":[{"clause":null,"heading":"1. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-1-premium-payment-in-instalments"}],"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":"quote-verified","value":"Adults can enter from 18 years with no maximum entry age. Dependent children can be covered from date of birth up to 30 years as given in the schedule; dependent siblings are up to the age given in the schedule.","display":"Adults: 18 years to no maximum entry age; dependent children: birth to 30 years; dependent siblings: as in schedule","note":null,"quote":"Minimum/Maximum Age of Entry for Adults – 18 years /no limit on maximum entry age Dependent children – from the date of birth to up to 30 years, as given in the schedule. Dependent siblings – up to age as given in the schedule","sources":[{"clause":"Excl07(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-b-4"}],"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"],"display":"Single premium or instalments: Half Yearly, Quarterly, Monthly, and annual modes","note":"Annual is mentioned in the grace-period part of the same premium instalment clause.","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 lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly or as mentioned in the policy Schedule/Certificate of lnsurance ... 30 days for quarterly, half yearly and annual modes of premium due for the policy.","sources":[{"clause":null,"heading":"1. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-1-premium-payment-in-instalments"}],"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":"quote-verified","value":["Family Floater","Pre/post hospitalization time period extension","Pre-existing Disease Exclusion Waiver/Reduction","Deletion of 30 days Waiting Period","Deletion/Reduction of Specific Ailment Waiting Period","Maternity Treatment Expenses Cover with 9 month waiting period","Maternity Treatment Expenses Cover without 9 month waiting period","Baby Day One Cover","Air Ambulance","Pre and Post Natal Expenses Cover","Emergency Ambulance Expenses","Additional Sum insured for Hospitalization due to Critical illness","Hospital Cash Allowance","Recovery benefit","Reimbursement of Organ Donor Expenses","Voluntary Co-Payment","Omission to Insure","Well Mother Cover","Disease-wise Capping","Room rent Capping","Lasik Surgery Sub Limit","Infertility treatment","Recharge of the Sum Insured","Restoration of the Sum Insured","Corporate Buffer","Assistance Service in India","Cochlear Implant","Well baby care expenses","Extended Well Baby Expense","Cover for Non-medical items","Home Care Treatment","Value Added Services for Well Mother","Critical Illness Benefit Cover","Cumulative Bonus","No Claim Discount","Digital Wellness","Employee Assistance Program (EAP)","Telemedicine Benefits – Non-Monetary Wellness Services","Chronic Care Management – Non-Monetary Wellness Benefit","Value-Added Benefits (VAB)"],"display":"Optional covers include family floater, waiting-period waivers/reductions, maternity, baby day one, ambulances, critical illness, hospital cash, recovery benefit, organ donor, co-pay, disease and room-rent capping, LASIK, infertility, recharge/restoration, corporate buffer, assistance services, cochlear implant, well mother/baby covers, non-medical items, home care, cumulative bonus, no claim discount and optional wellness services.","note":"The optional-cover list is taken mainly from the prospectus coverage table because it lays out the product-wide menu; the policy wording contains corresponding extension wordings.","quote":"Optional covers ... 1 | Family Floater | Option to add other family members ... 2 | Pre/post hospitalization time period extension ... 3 | Pre-existing Disease Exclusion Waiver/Reduction ... 4 | Deletion of 30 days Waiting Period ... 5 | Deletion/Reduction of Specific Ailment Waiting Period ... 6 | Maternity Treatment Expenses Cover with 9 month waiting period ... 7 | Maternity Treatment Expenses Cover without 9 month waiting period ... 8 | Baby Day One Cover ... 9 | Air Ambulance ... 10 | Pre and Post Natal Expenses Cover ... 11 | Emergency Ambulance Expenses ... 12 | Additional Sum insured for Hospitalization due to Critical illness ... 13 | Hospital Cash Allowance ... 14 | Recovery benefit ... 15 | Reimbursement of Organ Donor Expenses ... 16 | Voluntary Co-Payment ... 17 | Omission to Insure ... 18 | Well Mother Cover ... 19 | Disease-wise Capping ... 20 | Room rent Capping ... 21 | Lasik Surgery Sub Limit ... 22 | Infertility treatment ... 23 | Recharge of the Sum Insured ... 24 | Restoration of the Sum Insured ... 25 | Corporate Buffer ... 26 | Assistance Service in India ... 27 | Cochlear Implant ... 28 | Well baby care expenses ... 29 | Extended Well Baby Expense ... 30 | Cover for Non-medical items ... 31 | Home Care Treatment ... 32 | Value Added Services for Well Mother ... 33 | Critical Illness Benefit Cover ... 34 | Cumulative Bonus ... 35 | No Claim Discount ... On payment of additional premium by the insured to procure services that help the Insured Person(s) stay in better health and improve their quality of life. ... 1 Digital Wellness ... 2 Employee Assistance Program (EAP) ... 3 Telemedicine Benefits – Non-Monetary Wellness Services ... 4 Chronic Care Management – Non-Monetary Wellness Benefit ... 5 Value-Added Benefits (VAB)","sources":[{"clause":"2","heading":"Scope of Cover","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-2"},{"clause":"Row 1","heading":"Family Floater","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-1-2"},{"clause":"Row 2","heading":"Pre/post hospitalization time period extension","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-2-2"},{"clause":"Row 3","heading":"Pre-existing Disease Exclusion Waiver/Reduction","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-3"},{"clause":"Row 4","heading":"Deletion of 30 days Waiting Period","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-4"},{"clause":"Row 5","heading":"Deletion/Reduction of Specific Ailment Waiting Period","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-5"},{"clause":"Row 6","heading":"Maternity Treatment Expenses Cover with 9 month waiting period","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-6"},{"clause":"Row 7","heading":"Maternity Treatment Expenses Cover without 9 month waiting period","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-7"},{"clause":"Row 8","heading":"Baby Day One Cover","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-8"},{"clause":"Row 9","heading":"Air Ambulance","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-9"},{"clause":"Row 10","heading":"Pre and Post Natal Expenses Cover","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-10"},{"clause":"Row 11","heading":"Emergency Ambulance Expenses","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-11"},{"clause":"Row 12","heading":"Additional Sum insured for Hospitalization due to Critical illness","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-12"},{"clause":"Row 13","heading":"Hospital Cash Allowance","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-13"},{"clause":"Row 14","heading":"Recovery benefit","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-14"},{"clause":"Row 15","heading":"Reimbursement of Organ Donor Expenses","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-15"},{"clause":"Row 16","heading":"Voluntary Co-Payment","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-16"},{"clause":"Row 17","heading":"Omission to Insure","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-17"},{"clause":"Row 18","heading":"Well Mother Cover","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-18"},{"clause":"Row 19","heading":"Disease-wise Capping","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-19"},{"clause":"Row 20","heading":"Room rent Capping","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-20"},{"clause":"Row 21","heading":"Lasik Surgery Sub Limit","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-21"},{"clause":"Row 22","heading":"Infertility treatment","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-22"},{"clause":"Row 23","heading":"Recharge of the Sum Insured","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-23"},{"clause":"Row 24","heading":"Restoration of the Sum Insured","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-24"},{"clause":"Row 25","heading":"Corporate Buffer","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-25"},{"clause":"Row 26","heading":"Assistance Service in India","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-26"},{"clause":"Row 27","heading":"Cochlear Implant","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-27"},{"clause":"Row 28","heading":"Well baby care expenses","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-28"},{"clause":"Row 29","heading":"Extended Well Baby Expense","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-29"},{"clause":"Row 30","heading":"Cover for Non-medical items","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-30"},{"clause":"Row 31","heading":"Home Care Treatment","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-31"},{"clause":"Row 32","heading":"Value Added Services for Well Mother","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-32"},{"clause":"Row 33","heading":"Critical Illness Benefit Cover","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-33"},{"clause":"Row 34","heading":"Cumulative Bonus","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-34"},{"clause":"2","heading":"Scope of Cover","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-2-3"},{"clause":null,"heading":"Other Services that can be opted","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-other-services-that-can-be-opted"},{"clause":null,"heading":"1 Digital Wellness","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-1-digital-wellness"},{"clause":null,"heading":"2 Employee Assistance Program (EAP)","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-2-employee-assistance-program-eap"},{"clause":null,"heading":"3 Telemedicine Benefits – Non-Monetary Wellness Services","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-3-telemedicine-benefits-non-monetary-wellness-se"},{"clause":null,"heading":"4 Chronic Care Management – Non-Monetary Wellness Benefit","page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-4-chronic-care-management-non-monetary-wellness"},{"clause":null,"heading":"5 Value-Added Benefits (VAB)","page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-5-value-added-benefits-vab"}],"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":"If premium is payable in instalments during the policy period, coverage is available during the grace period also.","display":"Coverage available during grace period for instalment premiums","note":null,"quote":"If the premium is payable in instalments during the policy period, coverage will be available during grace period also.","sources":[{"clause":null,"heading":"1. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-1-premium-payment-in-instalments"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"The base cover pays room rent cost for the amount given in the policy schedule, with proportionate deduction if the actual room rate is more than the per-day limit. Optional room rent capping can be chosen, with options such as 1% of sum insured or Rs. 3,000 per day for room and 2% or Rs. 6,000 per day for ICU under Option 1, and other percentage options.","display":"As per policy schedule; optional capping includes 1% of SI or Rs. 3,000 per day for room and 2% of SI or Rs. 6,000 per day for ICU under Option 1","note":"The base policy does not print one fixed product-wide rupee room rent limit; the selected amount or cap is in the policy schedule. Specific option figures are from the prospectus.","quote":"Room Rent cost for the amount given in the policy schedule. ... If the actual room rate is more than the policy’s per day limit, then all costs at the Hospital (including surcharges and taxes) except cost of medicines and consumables, will be paid in the same proportion of the difference between the approved room rate and the actual room rate. ... Room rent Capping | Option 1: • Room 1% of the Sum Insured or maximum up to Rs. 3000/- per day whichever is less ; • ICU Charges – 2% of the Sum Insured or maximum up to Rs. 6000/- per day or whichever is less; Option 2: • Room 2% of the Sum Insured or maximum up to Rs. 6000/- per day whichever is less ; • ICU Charges – 4% of the Sum Insured or maximum up to Rs. 10000/- per day or whichever is less; Option 3: • Room 1% of the Sum Insured • ICU Charges – 2% of the Sum Insured Option 4: • Room 1.5% of the Sum Insured • ICU Charges – 3% of the Sum Insured Option 5: • Room 2% of the Sum Insured • ICU Charges – 4% of the Sum Insured Option 6: Room rent limits applicable but proportionate deduction not applicable","sources":[{"clause":null,"heading":"Base Cover I – In-patient Hospitalisation","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-base-cover-i-in-patient-hospitalisation"},{"clause":"Row 20","heading":"Room rent Capping","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043#c-row-20"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity expenses are excluded unless specifically opted and mentioned in the policy schedule. Optional maternity cover is available with a 9 months waiting period or without a 9 months waiting period, covering childbirth including complicated deliveries and caesarean sections and lawful terminations of pregnancy, generally for the first two babies.","display":"Excluded unless opted; optional maternity cover with 9 months waiting period or without 9 months waiting period","note":"The optional wording says the benefit applies only for the first two babies, with twins from the second delivery also covered.","quote":"Maternity Expenses: Code – Excl-18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. Unless Specifically opted and mentioned in the policy schedule. ... You’ve paid us an extra premium to cover Maternity Treatment expenses. ... This benefit will have a waiting period of nine months ... A waiting period of 9 months shall apply ... You’ve paid us an extra premium to cover Maternity Treatment expenses. ... This benefit will have no waiting period.","sources":[{"clause":"42(b)(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-b-iii"},{"clause":null,"heading":"Extn No. 1: Family Floater (Indemnity Cover) - – Hospitalization","page":28,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-extn-no-1-family-floater-indemnity-cover-hospita"},{"clause":"Row 17(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-row-17-b"},{"clause":"Row 17(e)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-row-17-e"},{"clause":"Row 17(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-row-17-b-2"}],"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":"quote-verified","value":"Pre-existing diseases are not covered from day one by default; PED and direct complications are excluded until 36 months of continuous coverage. The group can buy an optional Pre-existing Disease Exclusion Waiver/Reduction to remove or reduce that waiting period as mentioned in the policy schedule.","display":"No by default; 36 months, unless optional waiver/reduction is opted","note":null,"quote":"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 the first policy with insurer. ... Extn No. 3: Pre-existing Disease Exclusion Waiver/Reduction (Indemnity Cover) - – Hospitalization So what if the insured person already had an illness or condition? You’ve paid us an extra premium to remove/reduce the waiting period Exclusion e.i.3 from the Policy. We’ve done so, and agree to waive this exclusion even for new insured persons who may join the Policy later, once the agreed additional premium is paid.","sources":[{"clause":"42(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-42-a-8"},{"clause":null,"heading":"Extn No. 1: Family Floater (Indemnity Cover) - – Hospitalization","page":28,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-extn-no-1-family-floater-indemnity-cover-hospita"}],"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":"quote-verified","value":"Cashless facility is available at network hospitals or network providers, where approved treatment costs are paid directly to the network provider. Planned cashless requests should be made at least 72 hours before hospitalisation, and emergency requests within 24 hours of hospitalisation or before discharge, whichever is earlier.","display":"Yes, at network hospitals/providers to the extent pre-authorisation is approved","note":null,"quote":"Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved. ... 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. ... If the Insured Person has been hospitalized in an emergency, it is recommended to contact us within 24 hours of the hospitalization or before discharge, whichever is earlier.","sources":[{"clause":"5","heading":"Cashless facility","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-5"},{"clause":"Excl07(i)","heading":"For Planned Treatment","page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-i-3"},{"clause":"Excl07(ii)","heading":"In Emergencies","page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-ii-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"In India, claims are handled by Zuno and/or an approved Third Party Administrator. The suggested checklist also says the TPA named in the policy schedule handles the claim on the insurer's behalf.","display":"Zuno and/or an approved TPA","note":null,"quote":"Our TPA, whose name you will find in the Policy Schedule, handles the claim on our behalf. ... In India, the claims will be handled by us and or an approved Third Party Administrator (TPA)","sources":[{"clause":"Excl07(IV)(b)(vi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-excl07-iv-b-vi"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, as an optional family floater facility","note":"The wording describes the family floater facility as chosen and paid for by extra premium.","quote":"You’ve chosen to give the insured person the family floater facility for the hospitalisation covered under Benefit d of the Policy ... A Family Floater basically means that all the people named in the Policy are covered by a single sum insured.","sources":[{"clause":null,"heading":"Extn No. 1: Family Floater (Indemnity Cover) - – Hospitalization","page":28,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045#c-extn-no-1-family-floater-indemnity-cover-hospita"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Group Health Insurance policy wording","pages":35,"fetched_at":"2026-10-17 20:04:03+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Health_Insurance_policy_wording_V_1_2_d0966a2ebb.pdf?updated_at=2024-09-26T06:01:22.911Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/17999"},{"kind":"wording","label":"Zuno Group Health Insurance Policy Wording","pages":43,"fetched_at":"2026-10-17 20:07:19+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Health_Insurance_policy_wording_V_1_4_53a7e7e261.pdf","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18045"},{"kind":"prospectus","label":"Zuno Group Health Insurance prospectus","pages":31,"fetched_at":"2026-10-17 20:03:18+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Health_Insurance_prospectus_V_1_1_3d37773d45.pdf?updated_at=2024-09-26T06:01:22.366Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/17982"},{"kind":"prospectus","label":"Zuno Group Health Insurance Prospectus","pages":40,"fetched_at":"2026-10-17 20:07:11+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Group_Health_Insurance_prospectus_V_1_2_b100026cdc.pdf","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526/document/18043"}],"versions":[{"uin":"EDLHLGP23063V022223","version":null,"approved_on":null},{"uin":"ZUNHLGP26043V032526","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 Health Insurance (UIN ZUNHLGP26043V032526), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-group-health-insurance-zunhlgp26043v032526"}