Zuno COVID Healthcare Insurance – Coverage, Benefits & Claims
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Zuno Covid Healthcare Insurance

Zuno Health Insurance launched Covid Healthcare Insurance, including C ...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 Covid Healthcare Insurance

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

Zuno Health Insurance launched Covid Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, which are designed to address the financial burdens of the Coronavirus pandemic. These plans aim to provide peace of mind by ensuring access to timely and comprehensive medical care without the added stress of exorbitant expenses. The plan offers 3 policy tenures:

  • 3 months
  • 6 months and
  • 9 months

Under Corona Kavach, hospitalisation expenses are covered in case you are hospitalised due to COVID-19. Additionally, Corona Rakshak offers a 100% lump sum of the sum insured when the policyholder is hospitalised for more than 72 hours due to COVID-19.

Plan at a glance

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

Entry age
Min entry age - 18 Years, Max entry age - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L
Waiting period
15 days
Renewability
NA
Policy term
3.5, 6.5, 9.5

*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

  • Lump sum benefit
  • Domiciliary benefit
  • Family cover
  • Ambulance cover

Cons

  • Illegal activities
  • Nuclear attack or war
  • Intoxication injuries

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 Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash 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 Not 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 Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Zuno Covid Healthcare Insurance Benefits

Zuno COVID Healthcare Insurance offers several key benefits tailored to the needs of individuals and families during the pandemic:

  • Comprehensive COVID-19 Treatment Coverage

    These plans specifically cover hospitalisation expenses related to COVID-19 treatment, including room rent, ICU charges, doctor's fees, and other related medical costs. This ensures that policyholders receive necessary care without significant out-of-pocket expenses.

  • Pre and Post-hospitalisation Expenses

    Zuno's policies typically cover medical expenses incurred both before and after hospitalisation for COVID-19, providing a more holistic financial safety net. This includes costs for diagnostic tests, medicines, and consultations.

  • Domiciliary Hospitalisation (Home Care)

    Recognising that not all COVID-19 cases require hospital admission, these plans often include coverage for domiciliary hospitalisation or home care treatment. This is particularly valuable in situations where hospital beds are unavailable or a patient cannot be transported to a hospital.

  • Flexible Policy Options

    Zuno offers both individual and family floater options for their COVID policies, allowing policyholders to choose the plan that best suits their needs. Family floater plans can cover a spouse, dependent children, and parents/parents-in-law under a single policy.

  • Lumpsum Benefit (Corona Rakshak)

    The "Corona Rakshak" policy provides a lump-sum payment of 100% of the sum insured upon positive diagnosis of COVID-19 requiring continuous hospitalisation for at least 72 hours. This provides immediate financial support for unforeseen expenses.

  • No Pre-policy Medical Check-up (for eligible ages)

    For individuals below a certain age (e.g., 60 years for Corona Kavach), a pre-policy medical check-up may not be required, simplifying the purchase process.

  • Cashless Treatment and Reimbursement

    Policyholders can avail of cashless treatment at Zuno's network of empanelled hospitals or opt for reimbursement for treatment at non-network hospitals, offering flexibility and convenience during a medical emergency.

  • Add-on Benefits

    Some plans, like Corona Kavach, may offer add-ons such as hospital daily cash, which provides a fixed daily cash amount for non-medical expenses during hospitalisation.

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 Covid Healthcare 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 years
  • Max entry age: 65 years
  • Sum insured: 1 to 5 Lakhs
  • Waiting Period: 15 days

Other features & benefits

Conclusion 

Zuno Covid Healthcare is an ideal healthcare solution to tackle medical bills arising from COVID-19. With the rise of coronavirus cases, investing in a COVID-19 healthcare plan is essential.  Expenses like pre- and post-hospitalization, domiciliary care, Hospital Cash, AYUSH treatment, and more are covered. To find the ideal covid healthcare plan, connect with PolicyX insurance experts. 

Zuno Covid Healthcare Insurance: FAQs

The 3 most-asked questions about Zuno Covid Healthcare Insurance, answered.

Zuno Health Insurance was known as Edelweiss General Insurance. The company rebranded itself in February 2023.
Zuno Health Insurance offers Corona Kavach and Corona Rakshak plans to cover COVID-19.
Zuno covid health insurance plans offer up to INR 5 Lakhs of sum insured.

Conclusion

A short term covid focused plan offering basic protection during emergencies, but not useful as a lo

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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: 11 Jul 2025 · Originally published: 11 Jul 2025

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