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Zuno Top-Up Health Insurance

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Zuno Health Insurance
Health Top-Up Insurance Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals5,000+
PED Waiting Period3 years
Special BenefitsCash Advance for Reimbursement Claims
Starting Premium for 5 lac SIRs. 548/month

About Zuno Top-Up Health Insurance

Edelweiss Health Top-up Insurance Policy provides coverage to people aged at least 91 days for several healthcare expenses. To be the proposer for this policy, one must be aged at least 18 years. The good news is that there is no restriction on the upper age limit to be covered under this policy. The policy can be purchased on an individual or family floater basis. If purchased on an individual basis, you can include self, spouse, dependent children, parent(s), parent(s)-in-law, son-in-law, daughter-in-law, grandparent(s), grand children, brother-in-law, sister-in-law, niece, and nephew. Whereas on a family floater basis, you can include self, legally wedded spouse, dependent parent(s), dependent parent(s)-in-law, natural or legally adopted dependent children aged between 3 months and 25 years.

Some coverage benefits that the policy offers you include AYUSH treatments, daycare treatments, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, etc. The policy can be purchased for 1 year, 2 years, or 3 years, for different sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh. The policy comes in two variants namely top-up and super top-up. Sum insured options under top-up policy are of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, and Rs. 20 Lakh. Whereas super top-up policy can be purchased for sum insured of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 crore, Rs. 1.5 crore, Rs. 2.5 crore, and Rs. 5 crore.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Daycare treatments
  • Treatments taken under AYUSH systems of medicines
  • Domiciliary hospitalisation expenses are covered under this plan.

What's Not Included

  • Change of gender treatments
  • Expenses arising due to obesity/weight control procedures
  • Hospitalisation expenses for the purpose of investigation
  • Expenses incurred on cosmetic or plastic surgery
  • Treatment required due to participation in adventure sports

6208 Zuno Cashless Network Hospitals in India

Health Top-Up Insurance Policy User Reviews

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Claim Process at Zuno Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Top-Up Insurance Policy Health Insurance Plan

  • What am I covered for under Edelweiss Health Top-Up Insurance Policy?

    There are two plan options under this policy, namely top-up deductible or super top-up deductible. Some common in-built features under these plans include the following: 

    • In-patient hospitalisation expenses
    • Pre-hospitalisation and post-hospitalisation expenses
    • Domiciliary hospitalisation expenses
    • Treatments taken under AYUSH systems of medicines
    • No Claim Bonus
    • Daycare treatments 
  • Are there any optional covers available under Edelweiss Health Top-up Policy?

    Yes. Edelweiss Health Top-up Policy comes with the following optional covers:
     

    • Emergency ambulance
    • Maternity
    • Organ donor
    • Pre-existing disease waiting period waiver/reduction
    • Base policy higher room rent support
    • Vaccination cover
    • Base policy co-pay support
    • Newborn care
    • Double sum insured for critical illness 
    • Assistance services
    • Hospital cash
    • Recharge 
    • Restoration
    • Dental OPD cover
    • Worldwide coverage (extended coverage)
    • Emergency ambulance 
    • 241 optional cover

     

  • Can I avail free look period at the time of renewing Edelweiss Health Top-up Insurance Policy?

    No. Edelweiss Health Top-up Insurance Policy comes with a free look period of 15 days which can only be availed at the time of buying a new policy and not at the time of renewal.

  • How are payments made under Health Top-up Insurance Policy?

    Payments under Health Top-Up Insurance Policy are made on indemnity basis. However the payment of hospital cash is made on a benefit basis. 

     

  • What are the waiting periods under the Edelweiss Health Top-up Insurance Policy?

    Edelweiss Health Top-up Insurance Policy comes with the following waiting periods: 

    • Waiting period for pre-existing diseases: 36 months
    • Waiting period for specified disease/procedure: 24 months/90 days
    • Initial waiting period: 30 days

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