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ZUNO Health Insurance ZUNO Health Insurance ★ 4.4

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani health plan is one of the most comprehensive an ...Read More

Up to 1Cr.
Sum insured
1
No. of plans
9+
Pan India presence
98.54%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 10,000+ hospitals
📊 1.97 solvency ratio
✅ 98.54% claim settlement

About Zuno Arogya Sanjeevani

A quick read on what this ZUNO Health Insurance plan covers and why it might be a fit for you.

Zuno Arogya Sanjeevani health insurance plan is a standard comprehensive health plan proposed by the IRDAI to simplify health insurance for the masses in India. It is a simple and affordable health plan which includes almost everything required for basic medical coverage. The sum insured varies from INR 1 Lakhs to 5 Lakhs in multiples of 50,000. 

Zuno Arogya Sanjeevani health plan was designed to deal with rising medical care costs, especially during trying times like COVID-19. It is a family floater health plan and is active for 1 year. Zuno also offers a family discount of 5% when 2 or more members are covered on an individual basis.

traordinary Facts

Zuno Arogya Sanjeevani health plan offers:

  • Multiple individual policies for your family members
  • A family discount of 5% if 2 or more than 2 family members are covered
  • 5% co-pay is applicable on all claims under Zuno Arogya Sanjeevani

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years
Plan type
Family
Sum insured options
₹1 L, ₹5 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Affordable
  • No-claim bonus
  • Flexible policy
  • Modern procedures
  • Cataract cover

Cons

  • 5% Co-payment
  • Obesity treatment unavailable
  • Hazardous activities not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Zuno Arogya Sanjeevani Plan Benefits

  • Tax Benefits

    Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Discounts

    The plan offers a family discount of 5% for covering 2 or more than 2 family members.

  • Lifelong Renewability

    While the eligibility for the purchase of Zuno Arogya Sanjeevani Policy is limited to those between the ages of 18 to 65 years, this policy provides lifelong renewability as long as it is renewed on time. By doing so, the insured can enjoy endless benefits like coverage of PED, cumulative bonus, etc.

  • Portable Policy

    Zuno Arogya Sanjeevani Policy comes with a portability feature which means you can port this policy. This option, however, needs to be exercised at least 45 days before but not earlier than 60 days from the policy renewal date.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Zuno Arogya Sanjeevani plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24/36 Months
  • Pre-existing diseases after 36 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - 65 Years
  • SI: - 1 L to 5 L
  • Waiting Period: - 30 Days

Other features & benefits

Conclusion

Zuno Arogya Sanjeevani health plan is a well-rounded health insurance plan designed to cater to all your healthcare needs. Choose between sum insured options from INR 1 Lakh to 5 Lakhs. From hospitalization expenses to cataracts, it is all covered by Zuno Arogya Sanjeevani. Find out the USPs of Zuno Arogya Sanjeevani health insurance from PolicyX insurance experts.

Zuno Arogya Sanjeevani: FAQs

The 5 most-asked questions about Zuno Arogya Sanjeevani, answered.

The entry age for Zuno Arogya Sanjeevani health plan is 18 to 65 years.
Yes, you can increase your sum insured amount at the time of renewal in multiples of INR 50,000 for up to INR 5 Lakhs.
The policy duration is 1 year for Zuno Arogya Sanjeevani health plan.
Yes, there are waiting periods involved with Zuno Arogya Sanjeevani plan like initial waiting period, Specific ailments waiting period, and Pre-existing waiting period.
No, in most cases you will not be required to undergo a pre-medical health check-up. However, depending on your health condition, age, and other factors Zuno insurance executives can ask you for the same.

Conclusion

A basic, affordable standard health plan offering essential hospitalization coverage with fixed feat

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 14 Feb 2025 · Originally published: 14 Feb 2025

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