{"uin":"ZUNHLIP25038V032425","name":"Zuno Health Assure","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zuno Health Assure is an individual indemnity health policy with sum insured options of INR 3 Lac, 4Lac, & 5 Lac and a 1 year policy period. It has 30 days initial waiting, 36 months pre-existing disease waiting, 10% co-pay on all claims, room rent capped at 2% of sum insured up to Rs5,000 per day and ICU capped at 5% up to Rs10,000 per day.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:56:02.693653+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"1 year","display":"1 year","note":null,"quote":"Policy Period | 1 year","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"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 emergency hospitalisation, notice with full particulars is recommended within 24 hours from the date of emergency hospitalization or before discharge, whichever is earlier. For planned hospitalisation, intimation or pre-authorisation is recommended at least 72 hours prior to admission; for reimbursement, complete information should be provided as soon as possible after admission or before discharge.","display":"Emergency: within 24 hours or before discharge; planned: at least 72 hours prior; reimbursement: as soon as possible after admission or before discharge","note":null,"quote":"Complete information details should be provided to the company as soon as possible after admission to the Hospital or before discharge from the hospital. ... i) Within 24 hours from the date of emergency hospitalization required or before the Insured Person's discharge from Hospital, whichever is earlier.\nii) At least 72 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"8","heading":"Claim procedure","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8"},{"clause":"8.1","heading":"Notification of Claim","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-1"}],"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":["Duly Completed claim form","Photo Identity proof of the patient","Medical practitioner's prescription advising admission","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient along with other details.","Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).","Sticker/Invoice of the Implants, wherever applicable.","MLR(Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable.","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim."],"display":"Claim form, photo ID, admission prescription, original itemised bills, receipts, discharge summary, diagnostic reports, surgical notes, implant invoice, MLR/FIR where applicable, NEFT and cancelled cheque, KYC, legal heir certificate where applicable, and any other relevant document","note":null,"quote":"i) Duly Completed claim form\nii) Photo Identity proof of the patient\niii) Medical practitioner's prescription advising admission\niv) Original bills with itemized break-up\nv) Payment receipts\nvi) Discharge summary including complete medical history of the patient along with other details.\nvii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).\nix) Sticker/Invoice of the Implants, wherever applicable.\nx) MLR(Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable.\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address) of the proposer\nxiii) Legal heir/succession certificate, wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":"8.2","heading":"Documents to be submitted","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-2"}],"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 shall decide claims other than cashless within 15 days from submission of the claim. If payment is delayed, interest is payable from the date of intimation of the claim at 2% above the bank rate.","display":"Within 15 days from submission of the claim; delay interest at 2% above bank rate from claim intimation","note":null,"quote":"The Company shall decide upon the claims (other than cashless) within 15 days from the submission of the claim.\n2. 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.","sources":[{"clause":"8.4","heading":"Claim Settlement (provision for Penal Interest)","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-4"}],"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 at 1800-12000, 022-42312000 or support@hizuno.com. If not satisfied, escalate to the Grievance Cell at 1800-120-216216 or grievance@hizuno.com, then the Grievance Redressal Officer at grievanceofficer@hizuno.com or 022-42312022 before IRDAI or the Insurance Ombudsman.","display":"Customer service, then Grievance Cell, then Grievance Redressal Officer before IRDAI/Ombudsman","note":null,"quote":"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":"11","heading":"Redressal of grievance","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-11"}],"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":"INR 3 Lac, 4Lac, & 5 Lac","display":"INR 3 Lac, 4Lac, & 5 Lac","note":null,"quote":"Sum Insured | INR 3 Lac, 4Lac, & 5 Lac","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"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":"Does not apply to claims arising due to an accident, provided they are 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":"5.2","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-5-2"}],"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":"On sum insured enhancement, the exclusion applies afresh to the extent of the increase; portability credit may reduce the waiting period.","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 us.","sources":[{"clause":"5.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-5-1"}],"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":"36 months applies to treatment for joint replacement unless arising from accident, and age-related osteoarthritis & osteoporosis. The specific waiting period does not apply to claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer. ... A. 24 Months waiting period - ... B. 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"5.3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-5-3-a"},{"clause":"5.3(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-5-3-e"}],"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":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoldectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Internal Congenital Anomalies","Treatment for joint replacement unless arising from accident","Age-related Osteoarthritis & Osteoporosis"],"display":"24 months: benign ENT disorders, tonsillectomy, adenoidectomy, mastoldectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract, gastric/duodenal ulcer, gout and rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, prolapse intervertebral disc and spinal diseases, calculi, varicose veins/ulcers, internal congenital anomalies; 36 months: joint replacement, age-related osteoarthritis & osteoporosis","note":null,"quote":"A. 24 Months waiting period -\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoldectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers\n20. Internal Congenital Anomalies\nB. 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"5.3(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-5-3-e"}],"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":"For enhanced sums insured, five continuous years is counted from the date of enhancement only on the enhanced limits.","quote":"After completion of five continuous years under this Policy no look back would be applied. This period of five years is called as moratorium period. ... After the expiry of Moratorium Period no claim under this Policy shall be contestable except for proven fraud and permanent exclusions specified in the Policy contract.","sources":[{"clause":"7","heading":"Moratorium Period","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-7"}],"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 entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian General/Health insurer policy, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Can port to other insurers with waiting-period continuity benefits, by applying 30 to 60 days before renewal","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":"9.14","heading":"Portability","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-14"}],"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":"not-stated","value":null,"display":null,"note":"The wording says renewal shall not be denied because of claims, but does not state whether premium can be loaded because of claims.","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 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":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments: (Code- Excl07)","Cosmetic or plastic Surgery: (Code- Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excll0)","Excluded Providers: (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error: (Code- Exc115)","Unproven Treatments: (Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity Expenses (Code - Excl18)","War (whether declared or not) and war like occurrence","Nuclear, chemical or biological attack or weapons","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India","specified ICD codes"],"display":"Permanent exclusions include Excl04 to Excl18, war, nuclear/chemical/biological attack, domiciliary and OPD treatment, treatment outside India, and specified ICD codes for existing diseases","note":"The wording prints the refractive error code as Code- Exc115 and breach of law as Code- Excll0.","quote":"6.1 Investigation & Evaluation (Code- Excl04) ... 6.2 Rest Cure, rehabilitation and respite care (Code- Excl05) ... 6.3 Obesity/ Weight Control (Code- Excl06) ... 6.4 Change-of-Gender treatments: (Code- Excl07) ... 6.5 Cosmetic or plastic Surgery: (Code- Excl08) ... 6.6 Hazardous or Adventure sports: (Code- Excl09) ... 6.7 Breach of law: (Code- Excll0) ... 6.8 Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 6.12 Refractive Error: (Code- Exc115) ... 6.13 Unproven Treatments: (Code- Excl16) ... 6.14 Sterility and Infertility: (Code- Excl17) ... 6.15 Maternity Expenses (Code - Excl18) ... War (whether declared or not) and war like occurrence ... Nuclear, chemical or biological attack or weapons ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India ... policyholder is not entitled to get the coverage for specified ICD codes.","sources":[{"clause":"6.1","heading":"Investigation & Evaluation (Code- Excl04)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-1"},{"clause":"6.2","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-2"},{"clause":"6.3","heading":"Obesity/ Weight Control (Code- Excl06)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-3"},{"clause":"6.4","heading":"Change-of-Gender treatments: (Code- Excl07)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-4"},{"clause":"6.5","heading":"Cosmetic or plastic Surgery: (Code- Excl08)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-5"},{"clause":"6.6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-6"},{"clause":"6.7","heading":"Breach of law: (Code- Excll0)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-7"},{"clause":"6.8","heading":"Excluded Providers: (Code-Excl11)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-8"},{"clause":"6.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-9"},{"clause":"6.10","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-10"},{"clause":"6.11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-11"},{"clause":"6.12","heading":"Refractive Error: (Code- Exc115)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-12"},{"clause":"6.13","heading":"Unproven Treatments: (Code- Excl16)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-13"},{"clause":"6.14","heading":"Sterility and Infertility: (Code- Excl17)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-14"},{"clause":"6.15","heading":"Maternity Expenses (Code - Excl18)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-15"},{"clause":"6.16","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-16"},{"clause":"6.17","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-17"},{"clause":"6.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-18"},{"clause":"6.19","heading":"Treatment taken outside the geographical limits of India","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-19"},{"clause":"6.20","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-20"}],"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 may cancel by giving 7 days' written notice. For policy terms up to one year, the wording says refund proportionate premium for the unexpired policy period if no claim is made; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days' written notice; proportionate unexpired premium if term is up to 1 year and no claim; no refund if any claim is admitted, lodged or benefit availed","note":"The cancellation wording also refers to refund on short term rates, but the printed rule for policies up to one year says proportionate premium for the unexpired policy period if there is no claim.","quote":"The Insured may cancel this Policy by giving 7 days' written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates 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. ... 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":"9.10(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-10-a"},{"clause":"9.10(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-10-a-2"},{"clause":"9.10(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-10-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":"All medical treatment for this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"9.7","heading":"Territorial Limit","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-7"}],"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":"Applicable at inception of the Policy and not on renewals or at the time of porting.","quote":"The insured shall be allowed a period of thirty days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"9.18","heading":"Free look period","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-18"}],"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":30},"display":"30 days","note":"15 days applies for monthly premium payment mode.","quote":"For Yearly, half-yearly & quarterly payment of mode, a fixed period of 30 days is to be allowed as Grace Period and for monthly modes of payment a fixed period of 15 days be allowed as grace period.","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"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":"The policy can be availed by persons between 18 years and 65 years as proposer. Dependent children can be covered from 3 months to 25 years; a proposer with higher age can obtain the policy for an individual without covering self.","display":"Proposer: 18 years to 65 years; dependent children: 3 months to 25 years","note":null,"quote":"Policy can be availed by persons between the age of 18 years and 65 years, as Proposer. Proposer with higher age can obtain policy for individual, without covering self. Policy can be availed for Self and the following family members individually. i. Legally wedded spouse. ii. Parents and Parents-in-law. iii. Dependent Children (i.e . natural or legally adopted) between the age 3 months to 25 years.","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"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":["Yearly","half-yearly","quarterly","monthly"],"display":"Yearly, half-yearly, quarterly and monthly","note":null,"quote":"For Yearly, half-yearly & quarterly payment of mode, a fixed period of 30 days is to be allowed as Grace Period and for monthly modes of payment a fixed period of 15 days be allowed as grace period.","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"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":"For instalment premiums, the premium payment in instalments clause says coverage will not be available from the instalment premium payment due date until the Company receives the premium.","display":"Coverage not available from instalment premium due date until receipt of premium","note":"There is an internal inconsistency: the renewal clause says coverage will be available for the grace period if premium is paid in instalments during the policy period.","quote":"During such grace period, Coverage will not be available from the instalment premium payment due date till the date of receipt of premium by the Company. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"9.16","heading":"Premium Payment in Instalments","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-16"},{"clause":"9.15(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-9-15-iii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room Rent, Boarding and Nursing Expenses are covered up to 2% of the Sum Insured, subject to a maximum of Rs5,000/- per day.","display":"Up to 2% of Sum Insured, maximum Rs5,000/- per day","note":null,"quote":"Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home up to 2% of the Sum Insured subject to maximum of Rs5,000/-, per day.","sources":[{"clause":"4.1","heading":"Hospitalization","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The policy states a percentage/rupee room rent limit per day, not a room category limit.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU/ICCU expenses are covered up to 5% of Sum Insured, subject to a maximum of Rs10,000/- per day.","display":"Up to 5% of Sum Insured, maximum Rs10,000/- per day","note":null,"quote":"Intensive Care Unit (ICU)/ Intensive Cardiac Care Unit (ICCU) expenses up to 5% of Sum Insured subject to maximum of Rs10,000/- per day.","sources":[{"clause":"4.1","heading":"Hospitalization","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admission is to a room, ICU or ICCU at rates above the policy limits, reimbursement or payment of other hospital expenses except the cost of medicines is reduced in the same proportion as the admissible per-day rate bears to the actual room/ICU/ICCU rate.","display":"Yes; other expenses are reduced proportionately if room/ICU/ICCU rates exceed limits, except cost of medicines","note":null,"quote":"In case of admission to a room/ICU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent/lCU/ICCU charges.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-1-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Each and every claim is subject to a co-payment of 10% of the admissible and payable claim amount.","display":"10% on all claims","note":null,"quote":"Each and every claim under the Policy shall be subject to a Co-payment of 10% applicable to claim amount admissible and payable as per the terms and conditions of the Policy.","sources":[{"clause":"8.3","heading":"Co-payment","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-3"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: 25% of Sum Insured or Rs40,000/- , whichever is lower, per each eye in one Policy year","Specified modern treatments: up to 50% of Sum Insured"],"display":"Cataract: 25% of Sum Insured or Rs40,000/- per eye, whichever is lower; specified modern treatments: up to 50% of Sum Insured","note":null,"quote":"The Company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs40,000/- , whichever is lower, per each eye in one Policy year. ... The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the Policy Schedule, during the Policy period:","sources":[{"clause":"4.3","heading":"Cataract Treatment","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-3"},{"clause":"4.6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-6"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The Company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalization covered under the Policy.","sources":[{"clause":"4.4","heading":"Pre Hospitalization","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"The Company shall indemnify post hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalization covered under the Policy.","sources":[{"clause":"4.5","heading":"Post Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-5"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All the day care treatments are covered, with details mentioned in Appendix II. Any surgery/procedure not listed which due to advancement of medical science requires hospitalization for less than 24 hours requires prior approval from the Company/TPA.","display":"All day care treatments in Appendix II; unlisted procedures under 24 hours need prior approval","note":"The standard exclusions and waiting periods apply to day care procedures depending on the medical condition or disease under treatment.","quote":"All the day care treatments (Details mentioned in Appendix II) ... Any surgery/procedure (not listed above) which due to advancement of medical science requires hospitalization for less than 24 hours will require prior approval from Company/TPA.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-1-1"},{"clause":"1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-1-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization expenses are excluded.","display":"Excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"6.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-18"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines is covered during each Policy Year up to the Sum Insured in any AYUSH Hospital.","display":"Covered up to Sum Insured in any AYUSH Hospital","note":null,"quote":"The Company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital.","sources":[{"clause":"4.2","heading":"AYUSH Treatment","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"The listed modern procedures are covered wherever medically indicated either as inpatient or day care treatment up to 50% of Sum Insured during the Policy period.","display":"Covered up to 50% of Sum Insured for listed modern procedures","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the Policy Schedule, during the Policy period:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy - Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries ... I) Bronchical Thermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) K.IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. M. Any other treatment using advanced technology, as per the product design.","sources":[{"clause":"4.6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-6"},{"clause":"4.6(I)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-6-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are covered subject to a maximum of Rs 2,000/- per hospitalisation.","display":"Road ambulance up to Rs 2,000/- per hospitalisation","note":null,"quote":"Expenses incurred on road Ambulance subject to a maximum of Rs 2,000/- per hospitalisation.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-4-1-1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"List I items, including gloves and mask, have no coverage under the policy. Some other listed items are to be subsumed into room charges, procedure charges or costs of treatment.","display":"Gloves, mask and other List I items not covered; some items are subsumed into room/procedure/treatment costs","note":null,"quote":"List I - Items for which coverage is not available in the Policy ... 56 | Gloves ... 60 | Mask ... List II - Items that are to be subsumed into Room Charges ... List III - Items that are to be subsumed into Procedure Charges ... List IV - Items that are to be subsumed into costs of treatment","sources":[{"clause":"Annexure A","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-annexure-a"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including childbirth expenses, complicated deliveries and caesarean sections incurred during hospitalization, except ectopic pregnancy. Miscarriage expenses are excluded unless due to an accident.","display":"Excluded, except ectopic pregnancy; miscarriage excluded unless due to accident","note":null,"quote":"i) 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.","sources":[{"clause":"6.15","heading":"Maternity Expenses (Code - Excl18)","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","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 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment expenses are excluded.","display":"Excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"6.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-6-18"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","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":"quote-verified","value":"Cashless facility is available at a network provider, subject to pre-authorization by the Company or its authorized TPA. Under the facility, payments for covered treatment are made directly to the network provider to the extent pre-authorization is approved.","display":"Available at network providers, subject to Company/TPA pre-authorization","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 Person in accordance with the Policy terms and conditions, are directly mad e to the network provider by the insurer to the extent pre-authorization is approved. ... Treatment may be taken in a network provider and is subject to pre authorization by the Company or its authorized TPA.","sources":[{"clause":"3.9","heading":"Cashless Facility","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-3-9"},{"clause":"8(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-ii"}],"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":"Claims are handled by the Company or TPA if applicable, including preauthorization of cashless treatment or processing of non-cashless claims.","display":"Company or TPA if applicable","note":"The wording does not name a specific TPA.","quote":"For reimbursement of claims the Insured Person may submit the necessary documents to TPA (if applicable)/Company within the prescribed time limit as specified hereunder. ... Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of preauthorization of cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and conditions of the Policy.","sources":[{"clause":"8(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-ii"},{"clause":"8.5","heading":"Services Offered by TPA (To be stated where TPA is involved)","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-8-5"}],"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":false,"display":"No, Product Type is Individual","note":null,"quote":"Product Type | Individual ... Policy can be availed for Self and the following family members individually.","sources":[{"clause":"10","heading":"Table of benefits","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060#c-10"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Health Assure Policy Wordings","pages":23,"fetched_at":"2026-10-17 20:06:41+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Assure_Policy_Wordings_be5f0858d0.pdf?updated_at=2025-03-25T05:42:17.171Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18033"},{"kind":"wording","label":"Zuno Health Assure Policy Wordings","pages":23,"fetched_at":"2026-10-17 20:07:38+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Assure_Policy_Wordings_6d829e15de.pdf?updated_at=2026-03-15T17:08:08.983Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18060"},{"kind":"prospectus","label":"Zuno Health Assure Insurance Prospectus","pages":20,"fetched_at":"2026-10-17 20:06:19+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Assure_Insurance_Prospectus_ae3a184f09.pdf?updated_at=2025-03-25T05:42:17.165Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18022"},{"kind":"prospectus","label":"Zuno Health Assure Insurance Prospectus","pages":21,"fetched_at":"2026-10-17 20:07:30+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Assure_Insurance_Prospectus_d7c877c122.pdf?updated_at=2026-03-15T17:08:08.979Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/18054"},{"kind":"cis","label":"Zuno Health Assure Insurance CIS V.1","pages":11,"fetched_at":"2026-10-17 20:03:19+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Assure_Insurance_CIS_V_1_8634213050.pdf?updated_at=2026-03-15T17:08:08.959Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425/document/17975"}],"versions":[{"uin":"ZUNHLIP25038V022425","version":null,"approved_on":null},{"uin":"ZUNHLIP25038V012425","version":null,"approved_on":null},{"uin":"ZUNHLIP25038V032425","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 Health Assure (UIN ZUNHLIP25038V032425), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-assure-zunhlip25038v032425"}