Zuno Empower Health Insurance Plan – Features, Benefits & Premium | PolicyX
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ZUNO Empower Health Insurance

Zuno Empower Health Insurance by ZUNO is a specialised health insuranc ...Read More

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

Zuno Empower Health Insurance by ZUNO is a specialised health insurance plan that is designed to provide comprehensive coverage for individuals with more than 40% disability, mental illness and HIV/AIDS.

Why do we recommend this?
  • Inpatient Hospitalization Coverage
  • AYUSH Coverage
  • Ambulance Charges

Plan at a glance

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

Entry age
Min- 3 months, Max- No age limit
Plan type
Individual
Sum insured options
₹4 L, ₹5 L
Waiting period
30 days
Renewability
Every year
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

  • Inpatient hospitalisation
  • AYUSH coverage
  • Cataract treatment

Cons

  • Rehabiliation not included
  • Cosmetic or plastic surgery not included
  • Gender change treatment not included

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 Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not 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 Not covered
  • Sub-limits Not covered
  • 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: - No age limit
  • SI: - INR 5 L
  • Waiting Period: - 30 days

Frequently Asked Questions

The 6 most-asked questions about ZUNO Empower Health Insurance, answered.

Zuno Empower Health Insurance is a specialized health insurance plan designed to provide coverage for individuals with disabilities, mental illnesses, and HIV, following IRDAI guidelines.
Individuals who fall under the definition of "Persons with Disability" as per The Rights of Persons with Disabilities Act, 2016, including those with blindness, locomotor disability, mental illness, effects of acid attack, HIV/AIDS, etc., and have more than 40% disability, mental illness, and HIV/AIDS, are eligible.
No, currently, Zuno Empower Health Insurance is not available for online purchase. You need to contact Zuno General Insurance directly.
Yes, the policy covers pre-existing disabilities after a waiting period (typically 24 months for pre-existing disability/36 months for all pre-existing diseases other than HIV/AIDS and Disability). Always confirm the latest waiting periods with Zuno.
Yes, the policy covers mental illnesses as defined under the Rights of Persons with Disabilities Act, of 2016.
The sum insured options are Rs. 4 Lakhs or Rs. 5 Lakhs. (Always confirm the latest options with Zuno directly.)

Conclusion

A niche plan designed for people with disabilities or serious conditions, offering inclusion but lim

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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: 21 May 2025

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