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Zuno Health Insurance Top Up Plans
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Healthcare in India has gotten increasingly costly, and a growing proportion of individuals lack health insurance coverage. Due to escalating medical expenditures, many Indians now seek out-of-hospital treatment, leaving them high and dry whenever it refers to buying war-torn healthcare coverage. This is where Zuno top-up insurance comes in. Whenever you decide to top up Zuno health insurance, the policy offers you additional health insurance coverage over your base insurance plan, provided that you spend the pre-determined deductible amount. This deductible amount can be funded by a base health insurance plan or you can decide to self-fund the same. Thus, it can be said that Zuno health insurance top-up plans do not need a mandatory base health coverage, but it is always better to have one in place. Let’s discuss the Zuno health top up policy.
Zuno Health Insurance Top Up Plan Highlights
The highlights of these plans include
- No maximum age limit for coverage
- The policy term spans up to 3 years
- The policy offers worldwide coverage as an optional feature
- Hospital cash benefit ranging from INR 500 to 5000 each day is offered
- Affordable premium rates
- Comprehensive coverage
Types of Zuno Health Top Up Plans
Zuno has two distinct health top-up plans catering to different health needs of their customers. Here are the details.
1. Zuno Top-Up Plan
| Sum Insured | INR 1 lakh – 20 lakh |
| Deductible Amount | INR 50,000 – INR 15 lakh |
| Policy Term | 1, 2, 3 years |
2. Zuno Super Top-Up Plan
| Sum Insured | INR 1 lakh – 5 crore |
| Deductible Amount | INR 50,000 – INR 1 crore |
| Policy Term | 1, 2, 3 years |
Zuno Health Top Up Plans: Key Features & Benefits
Here is a list of all the advantages that Zuno Health Insurance Top Up Plans have over standard top-up medical insurance policies:
1. Peace of Mind
Zuno health insurance top up plans help ease concerns when your base health insurance policy gets exhausted. Often medical treatment costs exceed estimates; so, if you have these plans, you can feel relieved knowing that the top up policy of Zuno health insurance is there to take care of your remaining healthcare expenses.
2. Speedy Claims
The Zuno claim staff works hard to resolve your claims as swiftly as possible so that you receive the correct payment. Your claim is handled by experienced professionals (the company has a dedicated claims manager) who know exactly what to do, from start to finish. You'll have 24/7 access to their support team who is standing by to help you whenever you need assistance.
3. Discounts on Premium
Zuno is a health insurance company that offers different benefits and options to its customers. The best part about this insurance provider is that it offers discounts on premiums, depending on your health needs. If you'd like to know more about this company, read the policy brochure.
4. Network Hospitals
Every insured currently needs a large network of medical facilities and hospitals. Every insurance provider has plans that cover a selection of facilities, but if you have ever had the unfortunate experience of needing to be hospitalised around the holidays or while on a holiday, you know how critical it is to select a hospital that provides high-quality treatment. Zuno Health operates around 2500 hospitals and healthcare institutions throughout the country.
Inclusions of the Zuno Health Insurance Top Up Policy
Zuno health top-up plans offer the following coverage:
Zuno Top-Up Plan Coverage:
- In-patient Hospitalisation
- Pre-hospitalisation (30 days)
- Post-hospitalisation (60 days)
- AYUSH treatment expenses
- NCB cover
- Daycare treatment cover
- Domiciliary hospitalisation
Optional Coverage:
- Pre-existing waiting term waiver
- Base policy co-pay support
- Base policy room rent support
- New born cover
- Maternity cover
- Vaccination cover
- Double critical illness sum insured
- Assistance service
- Hospital cash
- Dental OPD cover
- Recharge & Restoration
- Worldwide cover
- Organ donor expenses
- Emergency ambulance cover
- 241 cover
- Voluntary co-pay
Zuno Super Top-Up Plan Coverage:
- In-patient Hospitalisation
- Pre-hospitalisation (30 days)
- Post-hospitalisation (60 days)
- AYUSH treatment expenses
- NCB cover
- Daycare treatment cover
- Domiciliary hospitalisation
Optional Coverage:
- Pre-existing waiting term waiver
- Base policy co-pay support
- Base policy room rent support
- New born cover
- Maternity cover
- Vaccination cover
- Double critical illness sum insured
- Assistance service Zuno health insurance top up plans
- Hospital cash
- Dental OPD cover
- Recharge & Restoration
- Worldwide cover
- Organ donor expenses
- Emergency ambulance cover
- 241 cover
- Voluntary co-pay
Exclusions of the Zuno Health Insurance Top Up Policy
Zuno health top up plans do not offer the following coverage:
- Pre-existing diseases
- Specified diseases during their respective waiting terms
- Diseases during the initial 90-day waiting term
- Evaluation and investigation of diseases without treatment
- Respite care, rehabilitation and rest cure
- Gender swap treatments
- Plastic or cosmetic surgeries
- Obesity or weight control treatments
- Adventure or hazardous sports
- Diseases or injuries sustained due to violation of law
- Treatment from excluded providers
- Refractive error < 7.5 dioptres
- Infertility and sterility treatments
- Unproven treatments
- Maternity expenses
Eligibility Criteria
The Zuno Health insurance top up policy qualifying conditions are as follows:
| Coverage Type | Individual, Family Floater |
| Minimum Age Required for Enrolment | 18 years for proposer 91 days for dependent children |
| Maximum Age Limit | No limit for adults 25 years for dependent children |
How to Buy Zuno Health Insurance Top Up Policy?
To purchase an Zuno medical insurance top up plan, you must first go to the Paytm Insurance site. On the website, click 'health insurance.' A drop-down choice of health insurance companies will appear. After that, you must choose your desired insurance. Following your insurance selection, you will be taken to a new area where you must take a small survey. After that, you must input your local pin code and age group. Following that, click on 'get quotes' to view a full webpage of health insurance coverage. Compare the options and choose your preferred health insurance coverage. All that remains is to subscribe to your policy using Paytm and enjoy the benefits.
Things to Consider When Buying Zuno Health Insurance Top Up Plans
The following are some pointers which you need to keep in mind when purchasing Zuno health insurance top up plans:
- Sum Insured
This is the amount of coverage you will get when you buy an Zuno health insurance plan. Zuno offers INR 1 lakh – 20 lakhs as the sum insured for their top up plan while the sum insured for their super top up plan is INR 1 lakh – 5 crore.
- Deductible Amount
The deductible amount is the sum you need to spend in order for the top up coverage to kick in. This is something you need to check before your policy. The deductible limit set for the zuno top up plan is INR 50,000 – INR 15 lakh while the same for Zuno super health insurance is INR 50,000 – INR 1 crore.
- Plan Coverage
You need to check the policy coverage before finalising any purchase. The plan coverage is listed in the policy brochure. Zuno top up plans covers regular health insurance benefits like in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, and AYUSH cover as well as optional benefits like pre-existing waiting term waiver, base policy co-pay support, and base policy room rent support.
Zuno Health Insurance Top Up Plans FAQs
1. Is it possible to get more coverage than the insured sum amount in Zuno health top up plan?
Yes. Zuno offers a restoration add-on to their top up insurance as optional coverage. If the policyholder opts for it, the company restores 100% of the insured sum amount if the initial coverage is exhausted.
2. Are children eligible to join Zuno Super Top-Up Plan?
Yes. Dependent children are eligible to join from the age of 91 days. They will be eligible for coverage until the age of 25 years. After that, they can still remain in the coverage but they will be counted as adults. However, you can also purchase a newborn add-on to make sure your child is protected from day one.
3. What is the minimum deductible limit of Zuno top up plans?
The minimum deductible limit of Zuno top up plans is INR 50,000.
4. Does Zuno offer any discount on their top up plans?
Zuno offers the following discounts on their top up plans:
- 7.5% discount on a 2-year insurance plan
- 10% discount on a 3-year insurance plan
- 15% discount on online policy purchases from the official Zuno website
5. Do you need to undergo a pre-policy medical check-up under Zuno health insurance top up plans?
Yes, Zuno may want you to undergo pre-policy medical check ups based on your sum insured, age, deductible amount chosen, BMI, etc.