{"uin":"ZUNHLIP26041V022526","name":"Zuno HealthPlus","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526","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 HealthPlus is an indemnity health insurance policy available on individual and floater bases for policy terms of 1, 2 or 3 years. It has a 30-day initial waiting period, 36-month pre-existing disease waiting period, zone-based co-pay rules and optional covers including restoration, OPD, maternity, worldwide cover and voluntary deductible.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:55:12.532626+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Floater"],"display":"Individual and Floater","note":"These are policy types rather than named benefit plans.","quote":"Policy Type | Individual | Floater","sources":[{"clause":"Row 8(k)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-k"}],"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 years 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":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-ii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalization, intimation must be given at least 72 hours before admission. For emergency hospitalization, intimation must be given within 48 hours of hospitalization or before discharge, whichever is earlier.","display":"Planned: at least 72 hours prior; emergency: within 48 hours of hospitalization or before discharge, whichever is earlier","note":null,"quote":"Intimation must be given at least 72 hours prior to planned hospitalization. In case of emergency hospitalization, intimation must be given within 48 hours of hospitalization or before discharge whichever is earlier.","sources":[{"clause":"Row 8(c)(iii)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-c-iii"}],"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","Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate, if applicable"],"display":"Claim form, policy/ID copy, discharge summary, hospital bills and receipts, prescriptions, investigation reports, doctor and surgeon bills/certificates, medicine bills, implant invoices and accident FIR/MLC if applicable","note":"The policy may call for additional documents depending on the claim.","quote":"a) Duly filled and signed Claim Form. ... b) Photocopy of ID card / Photocopy of current year policy. ... c) 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. ... d) Original payment Receipt of the hospital bill with receipt number ... e) 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. ... f) Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts ... g) Attending Doctors/ Consultants/ Specialist's/ Anesthetist Bill and receipt and certificate regarding same ... h) Original medicine bills and receipts with corresponding Prescriptions. ... i) Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts. ... k) Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate.","sources":[{"clause":"Row 5(II)(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-a"},{"clause":"Row 5(II)(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-b"},{"clause":"Row 5(II)(c)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-c"},{"clause":"Row 5(II)(d)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-d"},{"clause":"Row 5(II)(e)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-e"},{"clause":"Row 5(II)(f)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-f"},{"clause":"Row 5(II)(g)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-g"},{"clause":"Row 5(II)(h)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-h"},{"clause":"Row 5(II)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-i"},{"clause":"Row 5(II)(k)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5-ii-k"}],"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 settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is required, it must be completed within 30 days and the claim settled or rejected within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days if investigation is required","note":"Delayed payment attracts interest at 2% above bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days (other than cashless) from the date of receipt of last necessary document. ... However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"Row 8(e)(i)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-e-i"},{"clause":"Row 8(e)(iii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-e-iii"}],"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":["Pre-Existing Diseases - Code- Excl01","Specified disease/procedure waiting period- Code- Excl02","30-day waiting period- Code- Excl03","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- Excl10","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","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18"],"display":"Waiting-period exclusions plus standard exclusions including investigation/evaluation, rest cure, obesity surgery outside conditions, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatment, infertility and maternity","note":"Some exclusions are waived or modified only if the relevant optional cover is bought.","quote":"Pre-Existing Diseases - Code- Excl01 ... Specified disease/procedure waiting period- Code- Excl02 ... III. 30-day waiting period- Code- Excl03 ... IV. Investigation & Evaluation- Code- Excl04 ... V. Rest Cure, rehabilitation and respite care- Code- Excl05 ... VI. Obesity/ Weight Control: Code- Excl06 ... VII. Change – of – Gender treatments: Code- Excl07 ... VIII. Cosmetic or plastic Surgery: Code- Excl08 ... IX. Hazardous or Adventure sports: Code- Excl09 ... X. Breach of law: Code- Excl10 ... XI. Excluded Providers: Code- Excl11 ... XII. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... XIII. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13 ... XV. Refractive Error: Code- Excl15 ... XVI. Unproven Treatments: Code- Excl16 ... XVII. Sterility and Infertility: Code- Excl17 ... XVIII. Maternity: Code Excl18","sources":[{"clause":"Row 25(I)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-i"},{"clause":"Row 25(II)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-ii"},{"clause":"Row 25(II)(a)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-ii-a-ii"},{"clause":"Row 25(II)(b)(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-ii-b-iv"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Zuno through the website, toll-free numbers, e-mail, courier or branch grievance cell. If not satisfied, contact the grievance officer before approaching the Insurance Ombudsman or IRDAI.","display":"Company grievance channels first; then grievance officer; then Ombudsman/IRDAI","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: www.hizuno.com ... Toll free: 1800120216216 / 180012000\n• E-mail: grievance@hizuno.com\n• Courier: 2nd Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400 070: ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at 1800120216216 and grievance@hizuno.com.","sources":[{"clause":"Row 8(e)(iv)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-e-iv"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The sum insured amounts offered are from Rs. 1,00,000 to Rs. 5,00,00,000.","display":"Rs. 1,00,000 to Rs. 5,00,00,000","note":null,"quote":"Sum insured amounts offered are a minimum of 1,00,000 and a maximum of 5,00,00,000","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-a"}],"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 covered accident claims; not applicable after continuous coverage for more than twelve months.","quote":"III. 30-day waiting period- Code- Excl03\na) 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":"Row 25(II)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-ii"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The optional Pre-existing Disease Waiting Period Reduction can reduce this for disclosed and accepted PEDs.","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 (section I) unless specifically opted and 36 months for the Critical Illness benefit cover; of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Row 25(I)(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-i-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"The product has both 24 months and 90 Days specified disease/procedure waiting periods; the shortest is shown.","quote":"1. 24 months waiting period\na) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. ... 2. 90 Days Waiting Period\na) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Row 25(II)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-ii"}],"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":"five continuous years","note":"For enhanced sums insured, the five years runs from the date of enhancement on the enhanced limits.","quote":"After completion of five continuous years under the policy no look back to be applied. This period of five years is called as moratorium period. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to another insurer by applying at least 45 days before, but not earlier than 60 days from, the renewal date; accrued continuity benefits in waiting periods are carried as per IRDAI portability guidelines.","display":"Allowed; apply 45 to 60 days before renewal and keep accrued continuity benefits in waiting periods","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 45 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":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no upper limit and no cover ceasing age","note":null,"quote":"Maximum Age | No upper Limit | No upper Limit\nMaximum Age | No upper Limit | No upper Limit\nCover ceasing age | No | No\nCover ceasing age | No | No","sources":[{"clause":"Row 8(k)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-k"}],"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":"Other underwriting loadings may apply for disclosed health status or special conditions, but not because of individual claims experience.","quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"Row 8(b)(viii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-b-viii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel with 7 days' written notice. If the policy term is up to one year and no claim is made, proportionate premium for the unexpired period is refunded; for terms over 1 year, unexpired future policy years whose risk has not commenced are refunded, and no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"7 days' written notice; pro-rata/unexpired premium 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.\nNotwithstanding 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":"Row 8(i)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-i"},{"clause":"Row 8(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-a"},{"clause":"Row 8(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-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 applies to events or occurrences within India and can be extended worldwide as specified in the policy schedule.","display":"India; can be extended worldwide","note":"Worldwide cover is optional.","quote":"This Policy applies to events or occurrences taking place within India and can be extended worldwide as specified in the policy schedule.","sources":[{"clause":"Row 8(k)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-k"}],"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":"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":"Row 8(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-b-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly instalments; 30 days for quarterly/half-yearly/annual instalments","note":"Renewal clause also states 15 days for monthly instalments and 30 days for quarterly/half-yearly/annual instalments.","quote":"Grace Period of 15 days would be given to pay monthly instalment premium due for the policy. and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-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 91 days, with proposer age 18 years for individual policies; maximum age is no upper limit. If Personal Accident or Critical Illness Benefit is opted, entry age is restricted to 4 years to 65 years.","display":"91 days minimum; proposer 18 years; no upper limit; PA/CI: 4 yrs. to 65 Years","note":null,"quote":"Minimum Age | 91 days (Proposer 18 years) | 91 days ... Maximum Age | No upper Limit | No upper Limit ... In case of Section VII (personal accident ) and section VIII (Critical illness Benefit) opted then Entry age will be restricted to - 4 yrs. to 65 Years","sources":[{"clause":"Row 8(k)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-k"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single premium","Half Yearly","Quarterly","Monthly","Annual"],"display":"Single premium; Half Yearly, Quarterly or Monthly instalments; annual instalments mentioned for grace period","note":null,"quote":"The Insured person can choose to pay Premium for this Policy on any one of the following basis:\ni. Single premium\nii. Instalment premium 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 ... thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-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":"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":"The renewal clause says that if premium is paid in instalments during the policy period, coverage will be available for the grace period. The instalment-premium clause says coverage will not be available from the due date of instalment premium until receipt of premium by the company.","display":"Coverage available in grace period for instalments under renewal clause, but instalment clause says no coverage from due date until premium receipt","note":"The two statements are in the same policy wording and point in different directions.","quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"Row 8(b)(viii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-b-viii"},{"clause":"Row 8(d)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-d-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":"Base in-patient hospitalization covers room rent up to the sum insured. If the optional room rent capping discount cover is chosen, eligible room rent can be 1%, 2%, 3%, 4% or 5% of sum insured per day.","display":"Base: up to Sum Insured; optional room rent capping: 1%, 2%, 3%, 4%, 5% of SI per day","note":"Room rent capping is a discount cover and applies only if opted.","quote":"1 | 1 | In Patient Hospitalization | Upto Sum insured | Within Sum insured ... 39 | 1 | Room rent capping | To Be selected from Below - Room Rent: 1)Percentage of sum insured basis : 1%,2%,3%,4%,5% of SI.","sources":[{"clause":"Row 1","heading":"1","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-1"},{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"}],"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":"No fixed room category is stated for the base cover. If the room rent capping cover is opted, the policy schedule will specify the eligible room rent or room rent category.","display":"No fixed base room category; optional room rent capping may specify room rent or room rent category","note":null,"quote":"By opting this cover policy schedule will specify the eligibility of room rent or room rent category applicable for the insured under the policy.","sources":[{"clause":"Row 2(II)(g)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-2-ii-g-iii"}],"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":"Base in-patient hospitalization covers Intensive Care Unit charges up to the sum insured. If the optional room rent capping discount cover is chosen, ICU/ICCU/NICU charges can be capped at 1% to 10% of sum insured.","display":"Base: up to Sum Insured; optional ICU/ICCU/NICU cap: 1% to 10% of SI","note":"ICU capping is part of the optional room rent capping discount cover.","quote":"ix) Intensive Care Unit charges. ... 39 | 1 | Room rent capping | To Be selected from Below - Room Rent: 1)Percentage of sum insured basis : 1%,2%,3%,4%,5% of SI. ICU/ICCU/NICU Charges: 1)Percentage of sum insured basis : 1%,2%,3%,4%,5%,6%,7%,8%,9%,10% of SI.","sources":[{"clause":"43(II)(d)(ix)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-ix"},{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"}],"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 the actual room rate is more than the policy's per-day limit, associated medical expenses are paid in the same proportion of the difference between the approved room rate or room category and the actual room rate.","display":"Yes, if actual room rate exceeds the per-day limit","note":"This applies when a room rent or room category limit is applicable.","quote":"If the actual room rate is more than the policy’s per day limit, then associated medical expenses will be paid in the same proportion of the difference between the approved room rate/ room category and the actual room rate","sources":[{"clause":"Row 2(II)(g)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-2-ii-g-iii"}],"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":"Zone co-pay depends on the premium zone and treatment zone: Zone I premium has no co-pay anywhere in India; Zone II premium has 10% co-pay in Zone I; Zone III premium has 10% co-pay in Zone II and 20% in Zone I. Voluntary co-pay of 10%, 20% or 30% may also be opted for a premium discount.","display":"Zone I: no co-pay all India; Zone II: 10% in Zone I; Zone III: 10% in Zone II and 20% in Zone I; optional voluntary co-pay 10%, 20% or 30%","note":"Zone co-pay does not apply to hospitalization due to accident and listed critical illnesses; voluntary co-pay is optional.","quote":"Persons paying Zone I premium can avail treatment all over India without any Co-pay. ... Persons paying Zone II premium.\ni) Can avail treatment in Zone II and Zone III without any Co-pay.\nii) Availing treatment in Zone I will have to bear 10% of each and every claim. ... Person paying Zone III premium ... ii) Availing treatment in Zone II will have to bear 10% of each and every claim. ... iii) Availing treatment in Zone I will have to bear 20% of each and every claim. ... Co-Pay Option- 1)10% Co-pay 2)20% Co-pay 3) 30% Co-pay","sources":[{"clause":"Row 8(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-a-6"},{"clause":"Row 8(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-b-6"},{"clause":"Row 8(c)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-c-4"},{"clause":"Row 8(c)(ii)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-c-ii"},{"clause":"Row 8(c)(iii)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-c-iii"},{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"}],"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":"Voluntary deductible can be chosen as either Top Up Deductible or Super Top Up Deductible; claims are payable only in excess of the deductible stated in the schedule.","display":"Optional voluntary deductible: Top Up or Super Top Up, in excess of the Deductible stated in the Schedule","note":"Prospectus lists deductible options of Rs. 10,000, 20,000, 30,000, 40,000, 50,000, 1,00,000, 1,50,000 and 2,00,000.","quote":"Voluntary Deductible- ... Top Up Deductible- Claims made in respect of any of the benefits below will be subject to the Sum Insured If any Insured Person suffers an Illness or Accident during the Policy Period that requires that Insured Person’s Hospitalisation as inpatient, then We will pay for the Medical Expenses for the benefits mentioned below, in excess of the Deductible stated in the Schedule. ... Super Top Up Deductible - Claims made in respect of any of the benefits below will be subject to the Sum Insured. If any Insured Person suffers an Illness or Accident during the Policy Period that requires that Insured Person’s Hospitalisation as inpatient, then We will pay for the Medical Expenses for the benefits opted by the Insured, in excess of the Deductible stated in the Schedule.","sources":[{"clause":"Row 2(II)(g)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-2-ii-g-iii"},{"clause":"Row 25(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-a"},{"clause":"Row 25(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-25-b"}],"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","note":"Other selectable options shown are 0 days, 60 days, 90 days and 120 days.","quote":"2 | 2 | Pre-hospitalization | 30 days | 0 days, 60 days, 90 days,120 days | Within Sum insured","sources":[{"clause":"Row 2","heading":"2","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-2"}],"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":"Other selectable options shown are 0 days, 30 days, 90 days, 120 days and 180 days.","quote":"3 | 3 | Post-hospitalization | 60 days | 0 days,30 days , 90 days, 120 days ,180 days | Within Sum insured","sources":[{"clause":"Row 3","heading":"3","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-3"}],"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 is covered up to the sum insured; the definition covers treatments or surgical procedures undertaken under anaesthesia in less than 24 hours because of technological advancement that would otherwise require hospitalization of more than 24 hours.","display":"Covered up to Sum Insured","note":"Prospectus shows selectable limits of 25%, 50% or 75% of Sum Insured.","quote":"4 | 4 | Day Care Treatment | Covered Upto Sum insured | 25 %, 50%,75% of Sum insured | Within Sum insured ... Day care treatment means medical treatment, and/or surgical procedure which is:\ni) undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hours because of technological advancement, and\nii) which would have otherwise required hospitalization of more than 24 hours.","sources":[{"clause":"Row 4","heading":"4","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-4"},{"clause":"11","heading":"Day care treatment","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-11"}],"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 is covered 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 Base Sum insured; no restriction on number of days by default","note":"Other options shown are 25%, 50% or 75% of Sum Insured and 7, 10, 14 or 21 days.","quote":"6 | 6 | Domiciliary Hospitalization | Sum insured - Covered Upto Base Sum insured Number of days - No restriction | Sum insured - 25 %, 50%,75% of Sum insured Number of days - 7 days,10 days, 14 days , 21 days | Within Sum insured ... 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":"Row 6","heading":"6","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-6"},{"clause":"43(II)(d)(x)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-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 hospitalization or day care treatment in an AYUSH Hospital or AYUSH Day Care Centre is covered up to the amount specified against the benefit, shown in the prospectus as up to sum insured.","display":"AYUSH covered up to Sum Insured","note":null,"quote":"5 | 5 | AYUSH | Upto Sum insured | Within Sum insured ... 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 (AYUSH) in AYUSH Hospital or AYUSH Day Care Centre.","sources":[{"clause":"Row 5","heading":"5","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-row-5"},{"clause":"43(II)(d)(x)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-x"}],"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 modern methods of treatment up to 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":"43(II)(d)(x)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-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 Cover is optional and pays medical expenses for an organ donor's inpatient treatment for harvesting the organ donated, subject to conditions; options are 25%, 50%, 75% or 100% of sum insured.","display":"Optional Organ Donor Cover: 25%, 50%, 75% or 100% of Sum Insured","note":"The cover applies only if shown in the schedule; donor pre/post hospitalization, screening, organ acquisition, transportation/preservation and donor complications are excluded.","quote":"13 | 6 | Organ Donor Cover | Options - 25 %, 50%,75% ,100%of Sum insured | Within Sum insured ... 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","sources":[{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"},{"clause":null,"heading":"Other Covers – (applicable for section II to Section VIII)","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-other-covers-applicable-for-section-ii-to-sectio"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Restoration is optional and restores 100% of sum insured once in a policy year after total sum insured including earned cumulative bonus is exhausted; it can be used only for an unrelated illness, disease or injury and does not trigger on the first claim.","display":"Optional 100% restoration once in a policy year; unrelated illness only; not on first claim","note":"Unlimited Restoration is a separate optional cover.","quote":"The Company will restore 100% of the Sum Insured once in a policy year on indemnity basis in case the Total Sum Insured inclusive of earned cumulative Bonus (if any) is exhausted due to claims paid or accepted as payable during the Policy Year ... This restored Sum Insured can be utilized only for illness / disease / Injury 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. ... This benefit would be applicable if specially opted for by the Insured.","sources":[{"clause":null,"heading":"Other Covers – (applicable for section II to Section VIII)","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-other-covers-applicable-for-section-ii-to-sectio"}],"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":"For each completed continuous claim-free policy year, the limit of indemnity increases by 50% of sum insured, up to 100% of sum insured. If a claim is made, no-claim bonus reduces at the same rate, but total sum insured cannot fall below the base sum insured; the insured may instead opt for a Rs. 75 no-claim discount at renewal.","display":"50% of SI per claim-free year, maximum 100% of SI; reduces at same rate after claim; alternative Rs. 75 discount","note":null,"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 50% of Sum Insured per annum as Cumulative Bonus. The maximum cumulative increase in the Limit of Indemnity will be limited to 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 claim-free year, but in no case shall the Total Sum Insured be less than the Sum Insured. ... the Insured would be eligible for a No Claim Discount of Rs. 75 in the base premium","sources":[{"clause":"43(II)(d)(x)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-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":"The inpatient hospitalization cover includes injection administration charges and consumables, but the policy also has a list of non-medical items for which coverage is not available.","display":"Consumables covered in inpatient hospitalization, but listed non-medical items are not covered","note":"Coverage of specific hospital-billed non-medical items depends on whether they are listed as not covered or subsumed into room/procedure/treatment costs.","quote":"vi) Intravenous fluids, blood transfusion, injection administration charges and /or consumables. ... List I - Items for which coverage is not available in the Policy\nSI. No. Item 1 BABY FOOD 2 BABY UTILITIES CHARGES 3 BEAUTY SERVICES 4 BELTS/BRACES 5 BUDS","sources":[{"clause":"43(II)(d)(vi)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-d-vi"},{"clause":"Row 8(v)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-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 Cover is optional on additional premium, with sum insured options of Rs. 25,000 to Rs. 5,00,000, a 12-month waiting period and a lifetime limit of maximum 2 deliveries or terminations.","display":"Optional; Rs. 25000, 50000, 75000, 100000, 200000, 300000, 500000; 12 months waiting; max 2 deliveries/terminations","note":"Available for self or spouse as applicable; ectopic pregnancy is covered under inpatient hospitalization, not this benefit.","quote":"27 | 1 | Maternity Cover | Sum Insured- 25000, 50000, 75000, 100000, 200000, 300000, 500000 | Within Sum insured ... On Payment of additional premium we will pay the In-Patient Medical Expenses related to pregnancy, childbirth or medically recommended and lawful termination of pregnancy, limited to maximum 2 deliveries or termination(s) or either, during the lifetime of the insured person ... Waiting Period of 12 months from the date of inception of this cover with us.","sources":[{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"},{"clause":"43(VI)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-vi-2"},{"clause":"43(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-iii-4"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New Born Baby cover is optional and covers newborn babies from day one, for inpatient hospitalization due to illness or injury, for 90 days from birth; the option can be limited to maternity sum insured or up to the sum insured opted by members.","display":"Optional; baby covered from day one to 90 days, limited to maternity sum insured or up to sum insured opted","note":"First 30 days waiting period and pre-existing condition exclusion are not applicable for the baby when this cover is opted before birth.","quote":"New born babies of the policy holder/Insured shall be covered from day one i.e. from day of baby’s birth or delivery and the maximum limit of liability under this cover as opted by insured / policy holder, allowed maximum up to two children. ... Baby covered from day one limited to maternity sum insured ... Baby covered from day one up to sum insured opted by members\nCoverage- We will cover the baby’s in-patient hospitalization for an Illness or Injury during the Policy Period which needs hospitalization in a hospital ... Policy period / coverage for Newborn Care is for a period of 90 days i.e. from date of birth to 90 days of baby’s age any time during the policy period.","sources":[{"clause":"43(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-iv-4"},{"clause":"43(VI)(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-vi-a"},{"clause":"43(VI)(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-vi-b"}],"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 is optional. Out-Patient Consultation covers the number of consultations specified in the policy schedule and may be cashless or reimbursement; Out-Patient Dental covers listed routine dental procedures, with prospectus options of 5 to 20 consultations and 0 to 25% co-pay.","display":"Optional Out-Patient Consultation and Out-Patient Dental; 5 to 20 consultations; 0 to 25% co-pay","note":"OPD applies only if shown on the schedule; general exclusions state OPD is not covered unless specifically opted.","quote":"25 | 1 | Out-Patient Consultation | Number of consultations - 5 upto 20 Co-pay - 0 to 25% | Over and above Basic Sum insured\n26 | 2 | Out-Patient Dental | Number of consultations - 5 upto 20 Co-pay - 0 to 25% | Over and above Basic Sum insure ... We will cover Out Patient consultation taken by insured person during policy period ... This benefit can be availed either through a Cashless Facility or on Reimbursement basis. ... Under this Benefit, We will pay Reasonable and Customary Charges to cover the fees of a dental practitioner and associated costs for carrying out the following routine Dental Treatment procedures in respect of an Insured Person:","sources":[{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027#c-1-h-2"},{"clause":"43(V)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-v-2"},{"clause":"43(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-6"},{"clause":"43(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-iv-3"}],"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":"quote-verified","value":"The policy has zone classification and allows selection of a resident zone higher or lower than the zone on payment of applicable premium. Zone I premium gives treatment all over India without co-pay; Zone II or Zone III premium can lead to 10% or 20% co-pay when treated in higher zones.","display":"Yes, Zone I/II/III premium with treatment-zone co-pay up to 20%","note":"Zone co-pay is not applicable if worldwide cover is opted.","quote":"Option to select a resident Zone higher or lower than that of the Zone is available on payment of applicable premium at the time of buying the First Policy and on subsequent renewals Zone Classification Zone I: Delhi, NCR, Mumbai (including Navi Mumbai) , Kalyan , Thane Zone II: Bangalore, Kolkata, Hyderabad, Secunderabad, Chennai, Pune, Vadodara, Ahmedabad, Surat Zone III: All cities apart from Zone I & Zone II. ... Persons paying Zone I premium can avail treatment all over India without any Co-pay. ... Availing treatment in Zone I will have to bear 10% of each and every claim. ... Availing treatment in Zone I will have to bear 20% of each and every claim.","sources":[{"clause":"Row 8(k)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-k"},{"clause":"Row 8(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-a-6"},{"clause":"Row 8(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-b-6"},{"clause":"Row 8(c)(iii)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-c-iii"}],"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":"The company may provide cashless facility at a network provider. A pre-authorization form must be submitted electronically by the network provider, and cashless can be availed only at a network hospital after company approval.","display":"Cashless at network hospitals, subject to pre-authorization and company approval","note":null,"quote":"The Company may extend Cashless Facility as a mode to Indemnify the Medical Expenses incurred by the Insured Person at a Network Provider. ... A Pre-authorization form which is available on the Company's Website or with the Network Provider, has to be duly filled and signed by the Insured Person and the treating Medical Practitioner, as applicable, which has to be submitted electronically by the Network Provider to the Company for approval. Only upon due approval from the Company, Cashless Facility can be availed only at Network Hospital.","sources":[{"clause":"Row 8(I)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-i-3"}],"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 and/or a TPA as applicable; claim intimation documents refer to Company / TPA.","display":"Company / TPA","note":"The wording does not name a specific TPA.","quote":"Details of Claim intimation given to Company / TPA together with Copy of policy & premium receipt and / or and ID Card issued to insured.","sources":[{"clause":"Row 8(v)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-row-8-v"}],"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 available","note":"Maximum insured allowed is 6 adults and 3 children.","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":"43(II)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037#c-43-ii-a-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno HealthPlus Policy Wording","pages":53,"fetched_at":"2026-10-17 20:06:53+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Plus_policy_wording_V_1_4_cd1e98f1e7.pdf?updated_at=2025-04-30T10:28:19.004Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18037"},{"kind":"wording","label":"Zuno HealthPlus Policy Wording V-1.3","pages":51,"fetched_at":"2026-10-17 20:07:25+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Plus_policy_wording_V_1_3_002_16b250ac11.pdf?updated_at=2026-03-15T17:02:44.736Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18051"},{"kind":"prospectus","label":"Zuno HealthPlus Prospectus","pages":48,"fetched_at":"2026-10-17 20:06:27+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Plus_prospectus_V_1_3_44dd4740dc.pdf?updated_at=2025-04-30T10:28:19.002Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18027"},{"kind":"prospectus","label":"Zuno HealthPlus Prospectus V-1.2","pages":47,"fetched_at":"2026-10-17 20:07:18+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Plus_prospectus_V_1_2_0435a3ff80.pdf?updated_at=2026-03-15T17:02:44.723Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/18048"},{"kind":"cis","label":"Zuno HealthPlus Policy CIS V-1.3","pages":20,"fetched_at":"2026-10-17 20:02:49+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Plus_Policy_CIS_V_1_3_c9e63cd150.pdf?updated_at=2026-03-15T17:02:44.367Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526/document/17961"}],"versions":[{"uin":"ZUNHLIP26041V032526","version":null,"approved_on":null},{"uin":"ZUNHLIP26041V022526","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 HealthPlus (UIN ZUNHLIP26041V022526), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-healthplus-zunhlip26041v022526"}