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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

Zuno Arogya Sanjeevani health plan is one of the most comprehensive and affordable insurance policies in the market. It was proposed by IRDAI to manage COVID-19 as well as offer versatile coverage.

Why Do We Recommend This?
  • Avail AYUSH care
  • Family floater policy
  • Tax benefits

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

A quick look at what this plan covers — and what it doesn't.

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

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

Frequently Asked Questions

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: 19 May 2026 · Originally published: 14 Feb 2025

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