{"uin":"ZUNHLIP26040V052526","name":"Zuno Health Insurance","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526","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 Insurance is an indemnity health policy with Silver, Gold and Platinum variants for 1 year, 2 year or 3 years. It covers hospitalisation in India with plan-wise room limits, plan-wise pre and post hospitalisation periods, and inbuilt restoration in Gold and Platinum.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:54:54.747948+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":["Silver","Gold","Platinum"],"display":"Silver, Gold and Platinum","note":null,"quote":"plan variants (silver, gold and platinum)","sources":[{"clause":"41(a)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-iii"}],"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 1 year, 2 year or 3 years.","display":"1 year, 2 year or 3 years","note":null,"quote":"The policy will be issued for a period of 1 year, 2 year or 3 years.","sources":[{"clause":null,"heading":"1. premium payment in instalments","page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 filled and signed claim form","Photocopy of id card / photocopy of current year policy","Original detailed discharge summary / day care summary from the hospital","Original consolidated hospital bill with bill no and break up of each item","Original payment receipt of the hospital bill with receipt number","First consultation letter and subsequent prescriptions","Original bills, original payment receipts and reports for investigation","Surgeons certificate stating nature of operation performed and surgeons bills and receipts","Attending doctors/ consultants/ specialist's/ anesthetist bill and receipt and certificate","Original medicine bills and receipts with corresponding prescriptions","Original invoice/bills for implants","Hospital registration number and pan details from the hospital","Doctors registration number and qualification from the doctor","Copy of the first information report from police department / copy of the medico-legal certificate","Copy of post mortem report (if conducted) & death certificate"],"display":"Claim form, ID/policy copy, discharge/day-care summary, hospital bills and receipts, consultation/prescription/investigation papers, doctor and surgeon bills/certificates, medicine bills, implant invoices, hospital and doctor registration details, and accident/death documents where applicable","note":"The clause also requires pre and post-hospitalisation bills, receipts, prescriptions, reports and discharge summary for those expenses.","quote":"Duly filled and signed claim form. ... Photocopy of id card / photocopy of current year policy. ... Original detailed discharge summary / day care summary from the hospital. Original consolidated hospital bill with bill no and break up of each item, duly signed by the insured. ... Original payment receipt of the hospital bill with receipt number ... First consultation letter and subsequent prescriptions. Original bills, original payment receipts and reports for investigation supported by the note from attending medical practitioner / surgeon demanding such test. ... Surgeons certificate stating nature of operation performed and surgeons bills and receipts ... Attending doctors/ consultants/ specialist's/ anesthetist bill and receipt and certificate regarding same ... Original medicine bills and receipts with corresponding prescriptions. ... Original invoice/bills for implants (viz. Stent /phs mesh/ iol etc.) with original payment receipts. ... Hospital registration number and pan details from the hospital ... Doctors registration number and qualification from the doctor ... Copy of the first information report from police department / copy of the medico-legal certificate. ... Copy of post mortem report (if conducted) & death certificate.","sources":[{"clause":"Row 13(II)(d)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-v"}],"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 non-cashless claims within 15 days from submission of the claim. If payment is delayed, interest is payable from the date of claim intimation at 2% above the bank rate.","display":"15 days from submission of claim; delay interest 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. ... 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":"Row 13(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-i-3"},{"clause":"Row 13(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-2"}],"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","Expenses related to the treatment of the listed conditions, surgeries/treatments until twenty four months of continuous coverage","Expenses related to the treatment of a pre-existing disease (PED) and its direct complications until 36 months in Silver/Gold and 24 months in Platinum","Investigation & evaluation- code- excl-04","Rest cure, rehabilitation and respite care- code- excl05","Cosmetic or plastic surgery -code-excl-08","Refractive error: code- excl-15","Change of gender treatment code -excl-07","Dietary supplements and substances that can be purchased without prescription","Unproven treatments: code- excl-16","Breach of law- code- excl-l0","Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Hazardous or adventure sports - code- excl-09","Excluded providers: code-excl-11","Maternity expenses: code – excl-18"],"display":"30-day illness waiting period; 24-month specified disease/procedure waiting period; PED waiting period; investigation and evaluation; rest cure; cosmetic surgery; refractive error; gender change; non-prescription supplements; unproven treatments; breach of law; alcohol/drug abuse; professional adventure sports; excluded providers; maternity expenses for Silver","note":null,"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 of twenty four months 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 36months (silver), 36 months (gold) and 24 months (platinum) ... Investigation & evaluation- code- excl-04 ... Rest cure, rehabilitation and respite care- code- excl05 ... Cosmetic or plastic surgery -code-excl-08 ... Refractive error: code- excl-15 ... Change of gender treatment code -excl-07 ... Dietary supplements and substances that can be purchased without prescription ... Unproven treatments: code- excl-16 ... Breach of law- code- excl-l0 ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- excl-12 ... Hazardous or adventure sports - code- excl-09 ... Excluded providers: code-excl-11 ... Maternity expenses: code – excl-18","sources":[{"clause":"Excl03","heading":"30-day waiting period","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl03"},{"clause":"Excl01","heading":"Pre-existing disease code -excl 01","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl01"},{"clause":"Excl01(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl01-i"},{"clause":"Excl05","heading":"Rest cure, rehabilitation and respite care- code- excl05","page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl05"},{"clause":"Excl05(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl05-ii"},{"clause":"Excl06(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl06-i"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact customer service on 1800-12000 or 022-42312000 or support@hizuno.com. If not satisfied, escalate to the Grievance Cell, then the Grievance Redressal Officer, then IRDAI/Bima Bharosa, and then the Insurance Ombudsman.","display":"Customer service, then Grievance Cell, then Grievance Redressal Officer, then IRDAI/Bima Bharosa, then Insurance 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 ... Escalation Level 3 If you are not satisfied with the response or do not receive a response from the Company, within 14 days of your complaint, you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (‘IRDAI’)/(Bima Bharosa) ... Escalation Level 4 In case you are not satisfied with the response provided by the company or no response is received, you may approach the Insurance Ombudsman","sources":[{"clause":null,"heading":"17. Grievance mechanism","page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-17-grievance-mechanism"}],"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":"Silver: Rs 1, 2, 3, 4, 5 lakh; Gold: Rs 5, 7.5, 10, 15, 20 lakh; Platinum: Rs 15, 20, 50, 75, 100 lakh.","display":"Silver: Rs 1, 2, 3, 4, 5 lakh; Gold: Rs 5, 7.5, 10, 15, 20 lakh; Platinum: Rs 15, 20, 50, 75, 100 lakh","note":"From the prospectus.","quote":"Particular \\ Variant sum insured (Rs In Lakh) | Silver 1, 2, 3, 4, 5 | Gold 5, 7.5, 10, 15, 20 | Platinum 15, 20, 50, 75, 100","sources":[{"clause":"1","heading":"Features","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18044#c-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":"Does not apply to accident claims, 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":"Excl03","heading":"30-day waiting period","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl03"}],"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":"Silver and Gold: 36 months; Platinum: 24 months.","quote":"expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36months (silver), 36 months (gold) and 24 months (platinum) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-existing disease code -excl 01","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl01"}],"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","note":"The shortest stated specific waiting period is 90 days for diabetes-related complications, hypertension-related complications and cardiac conditions. The listed specified diseases/procedures have a 24-month waiting period.","quote":"1.2-a. 90 days waiting period I) Diabetes & related complications include: diabetic retinopathy, diabetic nephropathy, diabetic foot / wound, diabetic angiopathy, diabetic neuropathy, hyper /hypoglycaemic shocks. Ii. Hypertension & related complications include: coronary artery disease, cerebrovascular accident, hypertensive nephropathy, internal bleed / haemorrhages. Iii. Cardiac conditions ... expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of twenty four months of continuous coverage","sources":[{"clause":"Excl03","heading":"30-day waiting period","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-excl03"}],"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 5 continuous years run from the date of enhancement for 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":"16. Moratorium period","page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-16-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":"You can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are given as per IRDAI portability guidelines.","display":"Allowed; apply 30 to 60 days before renewal and keep waiting-period credit if continuously covered","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":"6. Portability","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-6-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":"Lifelong renewability","note":"From the prospectus.","quote":"Maximum age at renewal | Lifelong renewability","sources":[{"clause":"1","heading":"Features","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18044#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"no loading shall apply on renewals based on individual claims experience","sources":[{"clause":"Row 13(II)(b)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-b-v"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 7 days' written notice. If the policy term is up to one year and no claim has been made, proportionate premium for the unexpired period is refunded; for terms over 1 year, premium is refunded for unexpired policy years whose risk has not commenced. No refund is made if any claim has been admitted, lodged or any benefit availed.","display":"7 days' written notice; proportionate unexpired-period refund if no claim; no refund if any claim is admitted/lodged or benefit availed","note":null,"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. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. 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":"3. Cancellation/termination","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-3-cancellation-termination"},{"clause":"Row 13(II)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-a"},{"clause":"Row 13(II)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-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":"The policy covers only medical treatment taken entirely within India, with payments in Indian rupees and within India.","display":"India only","note":null,"quote":"This policy covers only medical treatment taken entirely within India. All payments under this policy shall be made in Indian rupees and within India.","sources":[{"clause":"Row 13(II)(d)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-v"}],"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 from date of receipt of the policy document","note":"Applies to new individual health insurance policies, not renewals or 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":null,"heading":"7. Free look period","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-7-free-look-period"}],"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 for quarterly/halfyearly/annual instalments; 15 days for monthly instalments","note":"Monthly instalments have 15 days.","quote":"Grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/halfyearly/annual instalments) is available on the premium due date, to pay the premium","sources":[{"clause":"Row 13(II)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii"}],"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":"Minimum entry age is 90 days. Maximum entry age is 65 years for Silver and Gold; Platinum has no maximum entry age limit.","display":"90 days to 65 years for Silver and Gold; 90 days to no maximum entry age for Platinum","note":null,"quote":"the insured should have completed the age of 90 days for all the plan variants (silver, gold and platinum) and maximum age of entry in the policy will be 65 years for silver and gold variants as on the date of commencement of the policy period as applicable to such insured unless it is renewal of policy, for platinum variant there will be no maximum entry age limit.","sources":[{"clause":"41(a)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-iii"}],"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"],"display":"Single premium, Half yearly, quarterly or monthly","note":null,"quote":"The insured person can choose to pay premium for this policy on any one of the following basis: I. Single premium ... If the insured person has opted for payment of premium on an instalment basis i.e. Half yearly, quarterly or monthly, as mentioned in the policy schedule/certificate of insurance","sources":[{"clause":null,"heading":"1. premium payment in instalments","page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-1-premium-payment-in-instalments"},{"clause":"Row 13(II)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii"}],"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":["Critical illness coverage","Restoration","Recharge","Voluntary co-payment","Health 241 Add-on","New Born Care Add-on","Zuno Surrogacy Add-on","Zuno Oocyte Donor Add-On"],"display":"Critical illness coverage, Restoration, Recharge, Voluntary co-payment, Health 241, New Born Care, Surrogacy and Oocyte Donor add-ons","note":"Optional covers and add-ons require additional premium or selection and do not change base benefits unless bought.","quote":"Optional cover 1: Critical illness coverage ... Optional Cover 2: Restoration ... Optional cover 3: Recharge ... Optional cover 4: Voluntary co-payment ... Health 241 Add-on can only be taken along with the Zuno Health Insurance Policy ... Since You’ve paid the additional premium given in your Policy Schedule, We will cover the baby from day one ... Zuno Surrogacy Add-on is an additional coverage and can only be taken along with the Zuno Health Insurance Policy ... Zuno Oocyte Donor Add-on is an additional coverage and can only be taken along with the Zuno Health Insurance Policy","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18062#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18059#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18061#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18064#c-s1"}],"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 paid in instalments during the policy period, coverage is available during the grace period also.","display":"Coverage available during the grace period for instalment premiums","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"Row 13(II)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii"}],"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":"For Silver with sum insured up to Rs.200000, room rent is limited to 1% of the sum insured per day. For Silver above Rs.200000 and for Gold and Platinum, the entitled room is Standard Single Private Room.","display":"Silver up to Rs.200000: 1% of sum insured per day; Silver above Rs.200000 and Gold/Platinum: Standard Single Private Room","note":null,"quote":"For Silver:-For Sum Insured up to Rs.200000: 1% of the Sum Insured per day; ICU Charges - 2% of the Sum Insured per day; ii. For Silver Sum Insured above Rs.200000 and for Gold & Platinum Plan:- Standard Single Private Room. No capping on ICU accommodation.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"quote-verified","value":"Standard Single Private Room is allowed for Silver sum insured above Rs.200000 and for Gold and Platinum. Silver sum insured up to Rs.200000 has a rupee-per-day limit instead of a room category.","display":"Standard Single Private Room for Silver above Rs.200000 and for Gold & Platinum","note":"Silver sum insured up to Rs.200000 is limited by 1% of sum insured per day.","quote":"For Silver Sum Insured above Rs.200000 and for Gold & Platinum Plan:- Standard Single Private Room. No capping on ICU accommodation.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"For Silver with sum insured up to Rs.200000, ICU charges are capped at 2% of the sum insured per day. For Silver above Rs.200000 and for Gold and Platinum, there is no capping on ICU accommodation.","display":"Silver up to Rs.200000: 2% of sum insured per day; Silver above Rs.200000 and Gold/Platinum: no capping on ICU accommodation","note":null,"quote":"For Silver:-For Sum Insured up to Rs.200000: 1% of the Sum Insured per day; ICU Charges - 2% of the Sum Insured per day; ii. For Silver Sum Insured above Rs.200000 and for Gold & Platinum Plan:- Standard Single Private Room. No capping on ICU accommodation.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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 admitted to a room at rates above the per-day room limit, all hospital expenses, except cost of medicines and consumables, are payable in the same proportion of eligible room rent to actual room rent.","display":"Yes; if room rate exceeds the limit, hospital expenses except medicines and consumables are paid proportionately","note":null,"quote":"In case of insured person’s admission to a room at rates exceeding the per day limits as mentioned above, then all expenses incurred at the Hospital (including applicable surcharges and taxes thereon) with the exception of cost of medicines and consumables, shall be payable in the same proportion of the difference between the admissible rate per day (eligible room rent per day) and the actual rate per day of room rent charges.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"A compulsory co-payment of 20% applies to each and every claim for each insured person aged above 60 years. Voluntary co-payment of 10% or 20% may be opted by insured persons aged 60 years or less.","display":"20% compulsory co-pay for insured persons aged above 60 years; optional 10% or 20% voluntary co-pay up to age 60","note":"Voluntary co-payment is an optional cover and is not the base answer.","quote":"Compulsory co-payment of 20% shall be applicable to each and every claim made, for each insured person aged above 60 years. ... In lieu of insured person opting a voluntary co-pay cover, the company shall only pay 90% for 10% co-pay option or 80% for 20% co-pay option of the claim amount","sources":[{"clause":"41(a)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-iii"},{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"quote-verified","value":"NA","display":"NA","note":"The CIS lists deductible as NA.","quote":"iii) Deductible iv) Any other limits | The policy will pay only up to limits specified hereunder for the following diseases/procedures: ... NA NA","sources":[{"clause":"16(b)(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/17955#c-16-b-iv"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 in Silver, 60 days in Gold, 90 days in Platinum","note":"Silver: 30 days; Gold: 60 days; Platinum: 90 days.","quote":"Pre-hospitalization medical expenses:- the relevant pre hospitalization medical expenses incurred for a period of 30 days in (silver plan), 60 days (gold plan), 90 days (platinum plan) immediately before insured person was hospitalized","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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 in Silver, 90 days in Gold, 180 days in Platinum","note":"Silver: 60 days; Gold: 90 days; Platinum: 180 days.","quote":"Post-hospitalization medical expenses:- the relevant post hospitalization medical expenses incurred for a period of 60 days in (silver), 90 days in (gold), 180 days in (platinum) variant, immediately after insured person were discharged post hospitalization","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"Day care treatment involving a surgical procedure is covered through cashless or reimbursement up to the sum insured if treatment does not exceed 24 hours and would otherwise require inpatient admission, not OPD. The appendix states all day care treatments falling under the policy definition are covered.","display":"Covered up to sum insured; all day care treatments falling under the policy definition","note":null,"quote":"The company will indemnify the policy holder/insured person for medical expenses incurred on day care treatment which involve a surgical procedure, through cashless or reimbursement facility, maximum up to the sum insured, provided that the period of treatment of the insured person in the hospital/day care centre does not exceed 24 hours, which would otherwise require an in-patient admission but not in the outpatient department ... Day Care Treatment: All the day care treatments are covered which falls under the definition of Day care treatment mentioned in the policy.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"},{"clause":"Row 13(II)(d)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-v"}],"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 hospitalisation is covered on reimbursement up to the sum insured when medically necessary treatment is taken at home because the patient cannot be moved to hospital or no hospital room is available.","display":"Covered up to sum insured, reimbursement only, if patient cannot be moved to hospital or no hospital room is available","note":null,"quote":"The company will indemnify the policy holder/insured person, only through reimbursement facility, up to the sum insured, for the medical expenses incurred towards domiciliary hospitalization, i.e. Coverage extended when medically necessary treatment is taken at home ... The condition of the patient is such that he/she is not in a condition to be removed to a hospital, or the patient takes treatment at home on account of non-availability of room in a hospital.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"AYUSH inpatient hospitalisation is covered for medically necessary and medically advised treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems in AYUSH Hospitals or AYUSH Day Care Centre, up to the sum insured.","display":"Covered up to the Sum Insured","note":null,"quote":"The Company will Indemnify the Policy Holder/Insured Person, the Reasonable and Customary Charges, up to the amount specified against this Benefit, for Medical Expenses incurred on the Insured Person’s Medically Necessary and Medically Advised Inpatient Hospitalization during the Policy Period, on treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems in AYUSH Hospitals or AYUSH Day Care Centre. ... 7 | AYUSH | Up to the Sum Insured | Up to the Sum Insured | Up to the Sum Insured","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"},{"clause":"Row 7","heading":"AYUSH","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18044#c-row-7-2"}],"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":"All modern methods of treatment authorised by the Indian Medical Council or another competent authorised body are covered up to the sum insured, subject to policy terms, conditions, coverages, waiting periods and exclusions.","display":"All authorised modern methods of treatment up to the Sum Insured","note":null,"quote":"We will cover all modern methods of treatment authorised by the Indian Medical Council or any other competent and authorised body from time to time up to the Sum Insured, subject to the policy terms, conditions, coverages, waiting periods and exclusions","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"quote-verified","value":"Organ donor inpatient treatment expenses for harvesting the organ are covered if the recipient's hospitalisation claim is accepted. Silver has no cover; Gold is up to Rs.1,00,000 and Platinum up to Rs. 2,00,000.","display":"Silver: not applicable; Gold: Rs.1,00,000; Platinum: Rs. 2,00,000","note":"Pre/post hospitalisation, screening, organ acquisition, experimental transplant, organ transportation/preservation and donor complications are excluded for the donor.","quote":"The company will indemnify the policy holder/insured person, through cashless or reimbursement facility, up to the amount specified against this benefit, for the medical expenses incurred for an organ donor’s in-patient treatment for the harvesting of the organ donated ... The maximum limits applicable under different variants of this policy is mentioned as follows: not applicable in silver variant, for gold Rs.1,00,000, for platinum Rs. 2,00,000.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance cover is available through cashless or reimbursement for necessary transportation by hospital or ambulance service provider, with limits per policy year of Silver Rs.1500, Gold Rs.3000 and Platinum Rs.10000.","display":"Silver Rs.1500, Gold Rs.3000, Platinum Rs.10000 per policy year","note":null,"quote":"The company will indemnify the policy holder/insured person, through cashless or reimbursement facility, up to the amount specified against this benefit, for the reasonable and customary charges necessarily incurred on availing ambulance services offered by a hospital or by an ambulance service provider ... The maximum limits applicable per policy year, under different variants of this policy is mentioned as follows: Silver – Rs.1500/-, Gold—Rs.3000/-, Platinum –Rs.10000/-","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"quote-verified","value":"Gold and Platinum have inbuilt restoration of 100% of the sum insured once in a policy year when the total sum insured including earned no claim bonus is insufficient due to claims paid or accepted as payable. It can be used only for unrelated illness/disease, does not trigger on the first claim, and is not carried forward.","display":"Gold and Platinum: 100% of sum insured, once per policy year, for unrelated illness only; not on first claim","note":"Silver has restoration only as an optional cover.","quote":"The company will restore 100% of the sum insured once in a policy year on indemnity basis (in built cover in gold and platinum variant) in case the total sum insured inclusive of earned no claim bonus (if any) is insufficient due to claims paid or accepted as payable during the policy year ... This restored sum insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made in the particular policy year. ... Restoration will not trigger on the first claim.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"quote-verified","value":"If renewed without a break and there was no claim in the preceding year, the indemnity limit increases by 10% of sum insured per year in Silver and 50% in Gold and Platinum. Maximum cumulative bonus is 50% in Silver and 100% in Gold and Platinum; after a claim it reduces at the same rate but not below the sum insured.","display":"Silver: 10% per claim-free year up to 50%; Gold/Platinum: 50% per claim-free year up to 100%; reduces after a claim","note":"At renewal, the insured may choose a no-claim discount instead of additional sum insured: Rs. 50 for Silver, Rs 125 for Gold and Rs 150 for Platinum.","quote":"If you renew your policy with us without any break in the policy period and there has been no claim in the preceding year, then we will increase the limit of indemnity by 10% of sum insured per annum in silver, 50% in gold and platinum variant, as cumulative bonus. The maximum cumulative increase in the limit of indemnity will be limited to following percentage, in silver 50%, gold 100 % and platinum 100% of sum insured as cumulative bonus. ... In case a claim is made during the policy year, the no claims bonus will reduce at the same rate at which it is allotted for every claimfree year, but in no case shall the total sum insured be less than the sum insured.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"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":"Hospitalisation expenses include consumables, but List I items are not covered, including gloves and masks.","display":"Consumables covered in hospitalisation, but List I items such as Gloves and Mask are not covered","note":"The policy also excludes any item specified in List I.","quote":"vi) Intravenous fluids, blood transfusion, injection administration charges and /or consumables; ... Appendix I - List I - Items for which coverage is not available in the policy ... 56 | Gloves ... 60 | Mask","sources":[{"clause":"41(a)(vi)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-vi"},{"clause":"Row 13(II)(d)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-v"}],"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 covered for female insured persons above 18 years after 48 months of continuous coverage with maternity as a benefit, limited to maximum 2 deliveries and/or medically necessary lawful termination of pregnancy. Silver is not applicable, Gold is Rs.50,000 and Platinum is Rs.2,00,000.","display":"Gold Rs.50,000 and Platinum Rs.2,00,000 after 48 months; Silver not applicable","note":null,"quote":"The company will cover maternity expenses, through cashless or reimbursement facility, up to the amount specified against this benefit, for the delivery of a child limited to maximum 2 deliveries and / or medically necessary and lawful termination of pregnancy of an insured person during the lifetime of an insured / insured person above 18 years ... must have been covered as an insured person for a period of 48 months of continuous coverage with maternity as a benefit ... Silver -not applicable, gold Rs.50,000/- and platinum Rs.2,00,000/-","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Medical expenses for a new born baby are not covered under the base maternity benefit. If the New Born Care add-on is bought, it covers the baby from day one for 90 days, as per the chosen sum insured option.","display":"Base policy: newborn medical expenses not covered; optional add-on covers from day one for 90 days","note":"The New Born Care cover is an add-on sold separately and is not part of the base maternity benefit.","quote":"Medical expenses for new born baby are not covered. ... We will cover Your baby from day one for whichever option you have selected (as mentioned in policy schedule). ... Policy period / coverage for Newborn Care will be covered for a period of 90 days i.e. from date of birth to 90 days of his/her age any time during the base policy period.","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"},{"clause":"20(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18004#c-20-ii"}],"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":"quote-verified","value":"Health check-up expenses are covered through cashless facility after every claim-free year for insured persons above 18 years. The available test package differs by Silver, Gold and Platinum variants.","display":"After every claim-free year for insured persons aged above 18 years","note":"Floater policies allow the package to any one insured in the policy.","quote":"The company will cover health check-up expenses, through cashless facility, as specified against this benefit in the benefit schedule, for health check-up of the insured person after every claim-free year for insured persons aged above 18 years of age","sources":[{"clause":"41(a)(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-x"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 network providers, subject to pre-authorisation and approval by the Company. The pre-authorisation TAT is 1 hour and cashless final bill authorisation TAT is 3 hours.","display":"Cashless at network hospital with Company approval; preauthorisation TAT 1 hour, final bill TAT 3 hours","note":null,"quote":"The company extends cashless facility as a mode to indemnify the medical expenses incurred by the insured person at a network provider. ... Only upon due approval from the company, cashless facility can be availed only at network hospital. ... TAT for preauthorization of cashless facility is 1 hour ... TAT for cashless final bill authorization is 3 hours","sources":[{"clause":"Row 13(II)(d)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-ii"},{"clause":"Row 13(II)(d)(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-i"}],"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 assessed by the Company; the documents also refer to TPA in notification/network contexts.","display":"The Company assesses claims; TPA may be involved","note":null,"quote":"The company shall scrutinize the claim and supportive documents, once received. ... Notification of claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of communication.","sources":[{"clause":"Row 13(II)(d)(v)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-row-13-ii-d-v"},{"clause":"30","heading":"Notification of claim","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-30"}],"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, Family floater policy","note":null,"quote":"Family floater policy means a Policy described as such in the Policy Schedule where the family members (two or more) named in the Policy Schedule are insured under this Policy.","sources":[{"clause":"41(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049#c-41-a-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Health Insurance Policy Wording V-1.2","pages":26,"fetched_at":"2026-10-17 20:07:22+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Insurance_policy_wording_V_1_2_94f6c2fa2d.pdf?updated_at=2026-03-15T17:00:29.805Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18049"},{"kind":"wording","label":"Health 241 policy wording V-1.4","pages":4,"fetched_at":"2026-10-17 20:07:44+00","source_url":"https://cms.hizuno.com/uploads/Health_241_policy_wording_V_1_4_d2e41f9dd5.pdf?updated_at=2026-03-15T17:10:05.038Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18062"},{"kind":"prospectus","label":"Zuno 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20:07:40+00","source_url":"https://cms.hizuno.com/uploads/Zuno_New_Born_Care_Add_on_prospectus_V_1_0_523d97e2ab.pdf?updated_at=2026-03-15T17:11:30.355Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18059"},{"kind":"prospectus","label":"Zuno Surrogacy Add-on Prospectus V-1.0","pages":5,"fetched_at":"2026-10-17 20:07:43+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Surrogacy_Add_on_Prospectus_V_1_0_1_f41323f687.pdf?updated_at=2026-03-15T17:12:33.486Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526/document/18061"},{"kind":"prospectus","label":"Zuno Oocyte Donor Add-On Prospectus V-1.0","pages":4,"fetched_at":"2026-10-17 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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 Insurance (UIN ZUNHLIP26040V052526), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-insurance-zunhlip26040v052526"}