{"uin":"ZUNHLIP26044V022526","name":"Zuno Health Top Up Insurance","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zuno Health Top Up Insurance is an indemnity health top up product with Top Up and Super Top Up variants. It offers policy terms of 1 year, 2 year or 3 years, deductible based cover, and optional covers such as worldwide coverage, maternity, hospital cash and critical illness double sum insured.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:55:36.89425+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":["Top Up Deductible Base Plan","Super Top Up Deductible"],"display":"Top Up Deductible Base Plan; Super Top Up Deductible","note":null,"quote":"Section I – Top Up Deductible Base Plan ... Section II Super Top Up Deductible","sources":[{"clause":"42(II)(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-42-ii-d"},{"clause":"Section II","heading":"Super Top Up Deductible","page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-section-ii"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for 1 year, 2 year or 3 years.","display":"1 year, 2 year or 3 years","note":null,"quote":"The policy will be issued for a period of 1 year, 2 year or 3 years.","sources":[{"clause":"Row 4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-ii-2"}],"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 cashless treatment, contact the Company at least 72 hours before the proposed treatment. For emergency cashless treatment, contact the Company within 48 hours of hospitalisation or before discharge, whichever is earlier; for reimbursement, provide information as soon as possible from admission or before discharge.","display":"Cashless planned: at least 72 hours before treatment; emergency: within 48 hours of hospitalisation or before discharge; reimbursement: as soon as possible from admission or before discharge","note":null,"quote":"For Planned Treatment: In case of planned hospitalisations/treatment, it is recommended that the Company be contacted for pre-authorization of Cashless Facility for planned treatment at least 72 hours prior to the proposed treatment. ... In Emergencies: If the Insured Person has been Hospitalized in an Emergency, it is recommended to contact us for pre-authorize Cashless Facility within 48 hours of the Insured Person’s Hospitalization or before discharge from the Hospital, whichever is earlier. ... the following information details should be provided to the Company as soon as possible from the date of admission to the Hospital or before discharge from the Hospital, whichever is earlier:","sources":[{"clause":"17(i)","heading":"For Planned Treatment","page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-i-3"},{"clause":"17(ii)","heading":"In Emergencies","page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-2"},{"clause":"17(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-3"}],"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, duly signed by the insured","Original payment Receipt of the hospital bill with receipt number","First Consultation letter and subsequent Prescriptions","Original bills, original payment receipts and Reports for investigation","Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts","Attending Doctors/ Consultants/ Specialist's/ Anesthetist Bill and receipt and certificate","Original medicine bills and receipts with corresponding Prescriptions","Original invoice/bills for Implants","Hospital Registration Number and PAN details from the Hospital","Doctors registration Number and Qualification from the doctor","Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate","treating Doctor’s Certificate giving details of injuries","Copy of Post Mortem Report (if conducted) & Death Certificate","Copy of the Discharge Summary of the main claim"],"display":"Claim form, ID/policy copy, discharge summary, hospital bills and receipts, prescriptions and investigation reports, doctor and surgeon bills/certificates, implant invoices, hospital and doctor registration details, and extra accident/death documents where applicable","note":null,"quote":"Duly filled and signed Claim Form. 3. Photocopy of ID card / Photocopy of current year policy. 4. 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. 5. Original payment Receipt of the hospital bill with receipt number 6. 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. 7. Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts 8. Attending Doctors/ Consultants/ Specialist's/ Anesthetist Bill and receipt and certificate regarding same 9. Original medicine bills and receipts with corresponding Prescriptions. 10. Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts. 11. Hospital Registration Number and PAN details from the Hospital 12. Doctors registration Number and Qualification from the doctor ... Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate. ... treating Doctor’s Certificate giving details of injuries (How, when and where injury sustained) ... Copy of Post Mortem Report (if conducted) & Death Certificate. ... Copy of the Discharge Summary of the main claim.","sources":[{"clause":"17(v)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-v"},{"clause":"17(II)(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-a"},{"clause":"17(II)(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-a-2"},{"clause":"17(II)(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-a-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall decide non-cashless claims within 15 days from submission of the claim. For delayed payment, it will pay interest from the date of claim intimation at 2% above the bank rate; cashless preauthorization TAT is 1 hour and cashless final bill authorization TAT is 3 hours.","display":"Non-cashless claims: within 15 days from submission; delay interest at 2% above bank rate from intimation; cashless TAT 1 hour preauthorization and 3 hours final bill authorization","note":null,"quote":"The Company shall decide upon the claims (other than cashless) within 15 days from the submission of the claim. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of intimation of the claim at a rate 2% above the bank rate. ... TAT for preauthorization of cashless facility is 1 hour ... TAT for cashless final bill authorization is 3 hours","sources":[{"clause":"Row 4(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-i-2"},{"clause":"Row 4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-ii-2"},{"clause":"17(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-i"},{"clause":"17(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact customer service by phone or email; if not satisfied, escalate to the Grievance Cell and then to the Grievance Redressal Officer before IRDAI or the Insurance Ombudsman.","display":"Customer service first: 1800-12000 / 022-42312000 or support@hizuno.com; then Grievance Cell; then Grievance Redressal Officer","note":null,"quote":"If you are not satisfied with our services and wish to connect with us , please feel free to call our 24X7 Toll free number 1800-12000 or 022-42312000 (tolled) or you may email to the customer service desk at support@hizuno.com. Escalation Level 1 For lack of a response or if the resolution still does not meet your expectations, you can contact our Grievance Cell on 1800-120- 216216 or write to grievance@hizuno.com . ... Escalation Level 2 For lack of a response or if the resolution still does not meet your expectations, you can write to the Grievance Redressal Officer at grievanceofficer@hizuno.com or call us at 022-42312022","sources":[{"clause":"17","heading":"Grievance","page":25,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims if covered; not applicable after more than twelve months of continuous coverage.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"7","heading":"Loyalty Discount","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-7-4"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Can be reduced or waived for disclosed and accepted PEDs only if the optional Pre-existing Disease Waiting Period Waiver/Reduction cover is chosen; permanent exclusions are not waived.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of the 36 months of continuous coverage as specified in the policy schedule, after the date of inception of the first policy with insurer.","sources":[{"clause":"7","heading":"Loyalty Discount","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-7-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 Days; 24 months for other listed conditions","note":"The shortest specific waiting period is 90 days for diabetes, hypertension and cardiac disorder related items; a 24 months waiting period applies to the other listed diseases/procedures. Accident claims are excluded from these waiting periods.","quote":"1. 24 months waiting period ... 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 ... 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":"7","heading":"Loyalty Discount","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-7-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders","Joint Replacement Surgery","Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair","Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries","Nasal Septum Deviation, Sinusitis and related disorders","Benign Prostatic Hypertrophy","Cataract","Dilatation and Curettage","Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers","Surgery of Genito-urinary system unless necessitated by malignancy","All types of Hernia & Hydrocele","Hysterectomy, unless necessitated by malignancy","Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant","Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone","Myomectomy for fibroids","Varicose veins and varicose ulcers","Diabetes & Related complications","Hypertension & Related complications","Cardiac disorder"],"display":"Specific waiting list includes arthritis and joint disorders, ENT surgeries, BPH, cataract, D&C, fissure/fistula/piles/ulcers, genito-urinary surgery, hernia/hydrocele, hysterectomy, benign tumours/cysts/polyps, kidney or gall bladder stones, myomectomy, varicose veins, diabetes complications, hypertension complications and cardiac disorder","note":null,"quote":"i) Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders (unless caused by accident), Joint Replacement Surgery (unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair ii) Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders iii) Benign Prostatic Hypertrophy iv) Cataract v) Dilatation and Curettage vi) Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers vii) Surgery of Genito-urinary system unless necessitated by malignancy viii) All types of Hernia & Hydrocele ix) Hysterectomy, unless necessitated by malignancy x) Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant xi) Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone xii) Myomectomy for fibroids xiii) Varicose veins and varicose ulcers ... i) Diabetes & Related complications include: Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot / Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper /Hypoglycaemic Shocks. ii) Hypertension & Related complications include: Coronary Artery Disease, Cerebrovascular Accident, Hypertensive Nephropathy, Internal Bleed / Haemorrhages. iii) Cardiac disorder:","sources":[{"clause":"7","heading":"Loyalty Discount","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-7-4"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 continuous years","note":"For enhanced sum insured, five continuous years applies 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":"15","heading":"Moratorium Period","page":25,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-15-3"}],"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 may port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian health policy, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Porting allowed 30 to 60 days before renewal, with accrued waiting-period continuity benefits if continuously covered","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"Row 4(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-i-2"}],"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 age limit and no cover ceasing age","note":null,"quote":"The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the insured person. ... Maximum Age | No upper Limit | No upper Limit Cover ceasing age | No | No","sources":[{"clause":"11","heading":"Renewal of policy","page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-11-3"},{"clause":"17","heading":"Grievance","page":25,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewal based on individual claims experience.","display":"No claim-based renewal loading","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"11(v)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-11-v"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel with 7 days' written notice. For policy terms up to one year, the Company refunds proportionate premium for the unexpired policy period if no claim has been made; for terms over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced, and no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days' written notice; pro-rata unexpired premium if term up to one year and no claim; for terms over one year, refund for uncommenced policy years; no refund if any claim admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel this policy by giving 7 days’ written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"Row 4(vii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-vii-2"},{"clause":"Row 4(X)(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-x-a"},{"clause":"Row 4(X)(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-x-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. It can be extended worldwide if specified in the schedule, and the optional worldwide coverage excludes domiciliary hospitalization.","display":"Within India; can be extended worldwide if specified","note":"Worldwide coverage is an optional cover on payment of additional premium and excludes domiciliary hospitalization.","quote":"This Policy applies to events or occurrences taking place within India and can be extended worldwide as specified in the policy schedule. ... On payment of additional premium, coverage of this policy will be extended to worldwide except Domiciliary Hospitalization (Section I.7 and Section II.7).","sources":[{"clause":"17","heading":"Grievance","page":25,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-2"},{"clause":"12","heading":"Worldwide Coverage (Extended Coverage)","page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-12-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"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":"9","heading":"Free Look Period","page":24,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-9-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days; 15 days for monthly instalments","note":"15 days applies for monthly instalment premium; thirty days applies where premium is paid quarterly, half-yearly or 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 4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-ii-2"}],"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 for insured persons, with proposer age 18 years. There is no upper age limit; for a child, entry age is 91 days up to 25 years.","display":"Minimum 91 days; proposer 18 years; no upper limit; child up to 25 years","note":"From the prospectus.","quote":"For Proposer, the entry age into this policy is 18 years and there is no upper limitation. For child, the entry age is 91 days max upto 25 years. ... Minimum Age | 91 days (Proposer 18 years) | 91 days Maximum Age | No upper Limit | No upper Limit","sources":[{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18050#c-1-b"},{"clause":"10","heading":"Geography","page":25,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18050#c-10-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single premium","Half Yearly","Quarterly","Monthly"],"display":"Single premium; Half Yearly; Quarterly; Monthly","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","sources":[{"clause":"Row 4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-ii-2"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Pre-existing Disease Waiting Period Waiver/ Reduction","Base Policy Co-pay Support","Base Policy Higher Room Rent Support","Newborn Care","Vaccination cover","Double Sum Insured for Critical illness (CI)","Assistance Services – Within India & Worldwide","Hospital Cash","Dental OPD Cover","Restoration","Recharge","Worldwide Coverage (Extended Coverage)","Maternity","Organ Donor","Emergency Ambulance","241 Optional Cover","Voluntary Co-pay"],"display":"Optional covers include PED waiting waiver/reduction, base policy co-pay support, higher room rent support, newborn care, vaccination, double SI for critical illness, assistance services, hospital cash, dental OPD, restoration, recharge, worldwide coverage, maternity, organ donor, emergency ambulance, 241 optional cover and voluntary co-pay","note":"Voluntary co-pay is shown under Discount Covers and reduces claim payment if opted.","quote":"The benefits below are optional and stand to be effective only if shown in the Policy Schedule as being effective. ... Pre-existing Disease Waiting Period Waiver/ Reduction ... Base Policy Co-pay Support ... Base Policy Higher Room Rent Support ... Newborn Care ... Vaccination cover ... Double Sum Insured for Critical illness (CI) ... Assistance Services – Within India & Worldwide ... Hospital Cash ... Dental OPD Cover ... Restoration ... Recharge ... Worldwide Coverage (Extended Coverage) ... Maternity ... Organ Donor ... Emergency Ambulance ... 241 Optional Cover ... Voluntary Co-pay","sources":[{"clause":"Section III","heading":"Optional Benefits","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-section-iii"},{"clause":"1","heading":"Pre-existing Disease Waiting Period Waiver/ Reduction","page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-1-3"},{"clause":"2","heading":"Base Policy Co-pay Support","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-2-3"},{"clause":"3","heading":"Base Policy Higher Room Rent Support","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-3-3"},{"clause":"4","heading":"Newborn Care","page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-4-3"},{"clause":"5","heading":"Vaccination cover","page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-5-3"},{"clause":"6","heading":"Double Sum Insured for Critical illness (CI)","page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-6-3"},{"clause":"7","heading":"Assistance Services – Within India & Worldwide","page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-7-3"},{"clause":"8","heading":"Hospital Cash","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-8-2"},{"clause":"9","heading":"Dental OPD Cover","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-9-2"},{"clause":"10","heading":"Restoration","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-10-2"},{"clause":"11","heading":"Recharge","page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-11-2"},{"clause":"12","heading":"Worldwide Coverage (Extended Coverage)","page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-12-2"},{"clause":"13","heading":"Maternity","page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-13-2"},{"clause":"14","heading":"Organ Donor","page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-14-2"},{"clause":"15","heading":"Emergency Ambulance","page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-15-2"},{"clause":null,"heading":"16. 241 Optional Cover","page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-16-241-optional-cover"},{"clause":"Section IV","heading":null,"page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-section-iv"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"If premium is paid in instalments during the policy period, coverage is available during the grace period.","display":"Coverage available during grace period for instalment premium policies","note":null,"quote":"During such grace period, If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"Row 4(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-row-4-ii-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"per-claim","display":"Top Up: per hospitalisation; Super Top Up: aggregate per Policy Year","note":"The enum value is per-claim for the Top Up variant; the Super Top Up variant uses aggregate deductible per Policy Year.","quote":"Deductible (Top Up) - We are not liable for any payment unless the Medical Expenses exceed the Deductible. Deductible shall be applicable for each and every Hospitalisation except claims made for Any One Illness. ... Deductible (Super Top Up) - We are not liable for any payment unless the Medical Expenses exceed the Deductible ... Deductible shall be applicable per Policy Year basis. The deductible is applicable in aggregate towards hospitalisation expenses (admissible under policy) incurred during the policy period by insured (individual policy) or insured family (in case of family floater).","sources":[{"clause":"12(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-12-i"},{"clause":"12(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-12-ii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room Rent is covered as an inpatient hospitalization expense; the CIS states sub-limits are NA.","display":"Room Rent covered; sub-limits NA","note":"The selected Sum Insured and deductible still apply.","quote":"If an Insured Person is diagnosed with an Illness or suffers an Injury contracted during the Policy Period which requires hospitalization in a hospital, on the advice of a medical practitioner then We will pay You, Reasonable and Customary Medical Expenses incurred as below:\ni) Room Rent; ... The policy will pay only up to limits specified hereunder for the following diseases/procedures: NA","sources":[{"clause":"42(II)(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-42-ii-d"},{"clause":"6(b)(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/17968#c-6-b-iv"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"There is no stated mandatory co-payment in the base cover; a voluntary co-pay discount cover may be chosen, under which the Company pays 90% for 10% co-pay or 80% for 20% co-pay and the balance is borne by the insured person.","display":"None unless voluntary co-pay is opted; 10% or 20% if opted","note":"Voluntary co-pay is an optional discount cover and applies to each claim except fixed benefit covers and maternity.","quote":"Discount Covers –\n• Voluntary Co-pay\n• In Lieu of Insured Person opting a voluntary co-pay cover, the Company shall only pay 90% for 10% co-pay option or 80% for 20% co-pay option of the claim amount that is assessed for the payment or reimbursement under the Policy. Balance of 10% or 20% as the case may be will be borne by the Insured Person.","sources":[{"clause":"Section IV","heading":null,"page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-section-iv"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless Facility is available as a mode to indemnify medical expenses at a Network Provider, and can be availed only at a Network Hospital after Company approval of the pre-authorization form.","display":"Yes, at Network Hospital / Network Provider after pre-authorization approval","note":null,"quote":"Cashless Facility The Company extends Cashless Facility as a mode to Indemnify the Medical Expenses incurred by the Insured Person at a Network Provider. ... Only upon due approval from the Company, Cashless Facility can be availed only at Network Hospital.","sources":[{"clause":"17(I)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-i-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are submitted to and assessed by the Company. The documents do not name a third-party administrator for claims handling.","display":"The Company","note":null,"quote":"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. ... The Company shall scrutinize the Claim and supportive documents, once received.","sources":[{"clause":"17(I)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-i-2"},{"clause":"17(II)(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-17-ii-a-3"}],"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":"Family floater can cover the listed family members subject to policy terms.","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":"42(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056#c-42-a"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Health top up Policy wording V-1.2","pages":34,"fetched_at":"2026-10-17 20:07:31+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_top_up_Policy_wording_V_1_2_ed238e385f.pdf?updated_at=2026-03-15T17:06:29.069Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18056"},{"kind":"prospectus","label":"Zuno Health Top Up Insurance Prospectus V-1.2","pages":34,"fetched_at":"2026-10-17 20:07:24+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Top_Up_Insurance_Prospectus_V_1_2_9e4f48da20.pdf?updated_at=2026-03-15T17:06:29.473Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/18050"},{"kind":"cis","label":"Zuno Health Top Up Insurance CIS V-1.2","pages":14,"fetched_at":"2026-10-17 20:03:04+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Health_Top_Up_Insurance_CIS_V_1_2_cdbed6c890.pdf?updated_at=2026-03-15T17:06:30.279Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526/document/17968"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Zuno Health Top Up Insurance (UIN ZUNHLIP26044V022526), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-health-top-up-insurance-zunhlip26044v022526"}