Zuno General Insurance

As one of India’s most prominent groups, providing financial services, Zuno offers a wide range of products, that cater to a substantial client base which includes corporates, institutes as well as individuals.  The company with over 1.2 million clients, has a network of 476 offices with over 11,000 employees. 

Zuno General Insurance makes the process of insurance simple and easy-to-understand. The company understands the pulse of the customer’s insurance needs and offers products that protect the policyholder and his family. The company offers:

1. Zuno Car Insurance
2. Zuno Two-wheeler Insurance
3. Zuno Health Insurance
4. Zuno Home Insurance
5. Zuno Loan protection
6. Zuno Fire Insurance
7. Zuno Engineering Insurance
8. Zuno Marine Insurance
9. Zuno Commercial Insurance

Let us discuss these in detail

Zuno Car Insurance Plans

For every motorised vehicle that runs on the Indian roads, it is compulsory to have an insurance policy. Motor insurance can be further classified into the following categories:

• Zuno Private Car Liability Only Insurance
  Also called, Third-party Liability Car Insurance Policy, it is the most basic kind of insurance. It is mandated by the Indian Motor Act. However, in case of an accident, this plan will only cover third-party people and their property. The damages to your car will not be covered.
• Zuno Private Car Package Insurance
  This plan is also called Third-Party + Own Damage. It provides coverage for your injuries, damages to your car and the damage your car causes to others.
• Zuno SWITCH – Driver Based Insurance
  With this kind of insurance, you pay only for the days that you choose to cover your vehicle. It helps you save on premium, as you can cover up to 3 vehicles on one policy.
• Add-On Covers available:
  1. NCB Protect
     This add-on cover ensures that your NCB stays intact even if you make a claim.
  2. Depreciation Protect
     With this add-on,  you can nullify the losses that occur due to depreciation on the parts of the car.
  3. Consumables Expenses Protect
     If you buy this cover, you will be covered for expenses on nuts and bolts, engine oil, lubricants etc.
  4. Engine Protector Cover
     When the damage is not because of an accident, this add-on will offer coverage for repairs of the engine.
  5. EMI Protect
     When your car is in the garage for repair for over 15 days, a maximum compensation of up to 3 EMI’s of your car will be paid by the company.
  6. Keys and Lock Protect
     If you lose your car keys or they get stolen, the company would cover the cost of the repair/replacement.
  7. Personal Belongings Protect
     When your car suffers damage, personal belongings such as clothes, audio/videotapes, laptops (when stolen) etc. will be covered.
  8. Tyre Protect
     A cut or damage to the tyre, a bulge or a puncture will be covered by the company.
  9. Invoice Value Protect
     In case your car goes for total loss or gets stolen, despite the IDV, you will receive the invoice value.
  10. Mandatory Deduction Protect
      You will be covered towards bearing the compulsory deductible amount.
  11. Roadside Assistance
      For emergency repair due to mechanical or electrical breakdown, accidental immobilization, flat tyre, dead battery etc, you can get in touch with the company and it would be arranged.

Zuno Two-Wheeler Insurance Plans

• Zuno Private Two-Wheeler Liability Only Insurance
  As discussed above, liability-only is the most elementary kind of two-wheeler insurance. It is compulsory insurance by the Indian Motor Act, 1988 and has the lowest premium, which is regulated by the IRDA. When you buy a third-party cover for your two-wheeler, in case of an accident, the insurance will only cover third-party people and their property. The damage to your two-wheeler/ bike would not be covered.
• Zuno Private Two-Wheeler Package Insurance
  With Zuno Private Two-Wheeler Package Insurance plan, you can cover the third-party liabilities along with the own damages. In simple words, it provides coverage for your injuries, damages to your bike and the damage your bike causes to others. Under own-damages, the damages that are caused due to the following will be covered:
  1. Theft/ robbery
  2. Natural and Man-Made disasters
  3. Accidental collision
  4. Self-ignition
  5. While in transit.
• Add-On Covers available

Zuno Health Insurance Plans

In today’s times, any kind of treatment in a good hospital can bring serious damage to your savings. Therefore, having the right health insurance policy is nothing short of a basic necessity. Let’s take a look at the various advantages of Zuno Health Insurance:

• You can cover 8 people in one policy
• Avail of up to 25% of discounts on your premium when buying Corona policy
• Cover for every member of your family

Zuno Insurance Premium Payment Process  

The premium is paid, generally, on an annual basis. However, depending on the kind of insurance policy selected, your payments could be monthly/ quarterly/ bi-yearly as well. Remember to pay all your dues on time.

For paying the premium, you can choose any of the following 2 methods:

1. Online Payment Process
   Visit the official website, select the plan and make the payment through any of the electronic mediums available such as - Credit cards/ Debit cards/ Net banking/ UPI Payments.
2. Offline payment process
   You can pay the premium by visiting the branch office. Keep in mind that the premiums will be accepted through cheque/ Demand Draft or an electronic medium.

Zuno Insurance Renewal Process

Renewing an insurance policy becomes very easy and convenient when done online as it saves time as well as effort. Make sure you renew your policy before the current one expires to avail the benefits without any break. 

• Zuno Motor Insurance Plans

You need to login to the company website or click https://www.edelweissinsurance.com/web/motor/motor-renewal. Enter your policy details and date of birth, your renewal details will be shown to you, you can pay the premium through an electronic medium and renew your policy. 

• Zuno Health Insurance Plans

You need to login to the company website or click https://www.edelweissinsurance.com/health-renewal/-/section/health-home. Enter your policy details and date of birth, your renewal details will be shown to you, you can pay the premium through an electronic medium and renew your policy. 

Zuno Insurance Renewal of Expired Policy

It is highly recommended that you renew your policy before it expires, as you would not be able to fetch any benefits of your policy thereafter. 

• Zuno Motor Insurance Plans

You need to get in touch with the company customer care and raise a request for a company surveyor. This surveyor will come to assess your vehicle. If the renewal is approved, you would receive a link from the company to renew the policy. You can pay the premium through an electronic medium and renew your policy. 

• Zuno Health Insurance Plans

When your health insurance policy expires, it enters the 30-day grace period. During this you must renew the policy, however, you should renew before it expires. Depending on the delay, the kind of plan you have and your age a screening test may or may not be required. 

Zuno Insurance Claim Process

The company promises a quick claim procedure that requires minimum effort on your part. To raise a claim you can either call on the helpline 1800 12000 or inform the company via email, support@edelweissinsurance.com  

1. Motor Insurance
   You can download the claim form by clicking on this link: https://www.edelweissinsurance.com/documents/20143/1343850/Motor+Claim+Form+-EGICL.PDF/1de7e2cf-ce92-ac3d-4d11-bd1ea0c3fb6b?t=1591343217365
   • Cashless Claims
     In case of cashless claims, your repair costs would be directly settled by the company at the network garage, after your vehicle is assessed by the company surveyor.
   • Reimbursement Claims
     After getting your car repair at a non-network garage, you can submit all the bills and receipts and get a reimbursement.
      
2. Health Insurance
   You can download the claim form by clicking on this link: https://www.edelweissinsurance.com/documents/20143/1288131/Claim.zip/b8662514-d8cd-b1f4-7cc8-d73dc78a6689
   • Cashless Claims
     In case of cashless claims at a network hospital, the treatment costs would be directly settled by the company.
   • Reimbursement
     After hospitalisation at a non-network hospital, you can submit all the medical bills and reports and get a reimbursement for the expenses that you have incurred.

Zuno General Insurance Company Limited Company Profile

With Zuno General Insurance, you can protect yourself, your family,  your home and your finances. The simple and easy-to-understand general insurance processes make buying and claiming your policy hassle-free and convenient. Over the last 2 decades, the homegrown multinational corporation has touched the lives of millions of people. With an Incurred Claim Ratio of 123% in the financial year 2018-19, the company is carving its way to the top. 

Zuno General Insurance Company Limited Customer Care Details