Zuno Health Insurance Critical Illness Plans

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It's never too soon to start planning for the future. If you're even considering starting a family or reaching retirement, then you know there are medical costs that will come into play at some point in the future. This is where critical illness plans can provide their worth. Critical illness coverage can be a wise investment that helps protect the ones we love while they are still able and healthy enough to enjoy them. Zuno critical illness health insurance plans are among the most extensive and adaptable health insurance policies available to families and individuals. 

The company offers a wide selection of healthcare choices with no limitations on your wellness or medications. There are solutions for everyone, whether you're a single person or looking to cover a whole family. This healthcare provider provides comprehensive critical illness cover, cashless treatment choices, long-term healthcare, and value for money factors.

This page will go over the details of the Zuno critical illness policy.

Zuno Critical Illness Policy

You may think that health insurance for major illnesses is just for the wealthy. You’re wrong on this! Zuno critical illness plans can be purchased for an affordable premium, hence suiting the budget of many. The company offers critical illness plans to cover the treatment and therapy for major illnesses like cancer or heart disease.

Benefits of Zuno Health Insurance Critical Illness Policy

Zuno health insurance critical illness policy offers the following benefits over the other traditional critical illness plans:

1. Restoration of Sum Insured

The sum restore benefit, as the name implies, restores or replaces your sum insured when it has been depleted, together with the collected cumulative bonus, during a calendar year because of illness or hospitalisation. Zuno health insurance critical illness plans offer restoration of Sum Insured, which is always a welcome feature for policyholders as medical expenses can often exceed estimates. Life happens when you least expect it. Zuno will provide sum insured restoration to assist you through such situations. If a sudden illness occurs, the company is there for you.

2. AYUSH Treatment

Zuno health insurance critical illness plans offer AYUSH treatment coverage. In a few words, these plans offer treatment options other than allopathy. It is for this reason that the Zuno health insurance plan has gained a lot of popularity among people who want to get away from the limitations and restrictions of conventional treatment.

3. Recovery Benefit

In India, medical prices are increasing by the day. In such cases, a health insurance plan assures that your medical bills are covered. That's not everything! One of the perks of Zuno health critical illness policy is that many individuals are still unaware of the recovery benefit. This is the amount of time it takes for an insured patient to heal from a sickness or illness. Zuno health insurance critical illness cover provides a recovery reward for customers who are treated in a hospital for an extended length of time.

4. Tax Breaks

Section 80D of the Income Tax Act gives tax advantages to consumers who proactively pay health insurance premiums. Anyone below 60 years paying a health insurance premium is subject to a maximum tax deduction of INR 25,000. People above 60 years have the same ceiling raised to INR 50,000. For preventative healthcare examinations, both models feature a tax deduction of up to INR 5,000.

Key Benefits of Zuno Health Insurance Critical Illness Cover

Zuno health insurance critical illness cover offers you a time-tested way of financing your hospital expenses for critical illnesses. Zuno claims to have dedicated itself to creating a better and more rewarding experience for its customers. It says that it has greatly focused on customer service, product quality, transparency, affordability and timely claim settlements. 

Here are the key benefits of Zuno health insurance critical illness plans:

  • The policy offers a sum insured ranging from INR 5 lakhs to 1 crore.
  • 8 members can be covered by a single individual coverage policy
  • Ambulance expenses per hospitalisation are covered
  • Organ donor expenses are covered
  • NCB is provided
  • Optional voluntary co-payment of 20% or 10% is provided

Zuno Health Critical Illness Policy List

Zuno offers critical health coverage as a component of its family insurance plans. Policyholders get access to base health insurance coverage like in-patient hospitalisation and domiciliary hospitalisation as well as an increase in sum insured when diagnosed with any of the listed critical illnesses. Here is a list of Zuno health insurance plans which offers critical illness cover:

1. Zuno Health Insurance – Gold Variant

Sum InsuredINR 1 lakhs – 20 lakhs
Policy Term1, 2, 3 years
Age Requirement3 months – 65 years

2. Zuno Health Insurance – Platinum Variant

Sum InsuredINR 15 lakhs – 1 crore
Policy Term1, 2, 3 years
Age Requirement3 months


  • Hospitalisation expenses
  • Pre-hospitalisation expenses
  • Post-hospitalisation expenses
  • ICU charges
  • Organ donor expenses
  • Domiciliary hospitalisation
  • Day care treatment
  • Ambulance cover
  • No-Claim bonus
  • AYUSH treatment
  • Annual check-up
  • Maternity benefit
  • Shared accommodation expenses
  • Critical illness coverage
  • Recovery benefit
  • Restoration of sum insured

Critical Illness Coverage

  • Open chest CABG
  • Permanent limb paralysis
  • Specified severity cancer
  • Myocardial infarction
  • Permanent symptoms from stroke

Zuno Health Insurance Critical Illness Plans FAQs

  • 1. How many members of the household can be covered?

    The policy covers self, spouse and three dependent children between the age of 3 months and 21 years.

  • 2. What is the minimum age requirement to be eligible for Zuno health insurance critical illness cover?

    The minimum age requirement to be eligible for Zuno health insurance critical illness cover is 3 months. 

  • 3. Does the Zuno health critical illness policy cover AYUSH therapy?

    Yes. AYUSH therapy expenses are covered by this policy.

  • 4. Does the Zuno health critical illness policy cover cancer treatment?

    Yes. Specified severity cancer treatment is covered under this policy.

  • 5. Does the Zuno health critical illness policy allow co-payment?

    Yes. This policy offers a voluntary co-pay of up to 20%.

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