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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 10,000+ hospitals
📊 1.97 solvency ratio
✅ 98.54% claim settlement

About ZUNO Empower Health Insurance

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

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. It is a specialised health policy to give coverage for disabilities, mental illness, and HIV, by following IRDAI guidelines. Along with this,  you will also get coverage for room rent, modern treatment, cataract, AYUSH treatment and much more. 

Zuno General Insurance Limited, formerly known as Edelweiss General Insurance, is a part of the Zuno Group, a multinational corporation offering various financial products and services. The company provides a range of health insurance plans across India, catering to the diverse needs of individuals and families. Know more about the plan ZUNO Empower health insurance.

 

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

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 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

Eligibility

  • 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.

  • Individuals with more than 40% disability, mental illness, and HIV/AIDS.

 

Inclusions & exclusions

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

Inclusions

  • Inpatient Hospitalization Coverage Covers expenses related to hospitalization for a minimum of 24 hours, including room charges, nursing care, and surgeon fees.
  • Pre and Post-hospitalization Expenses Provides coverage for medical expenses incurred up to 30 days before hospitalization and 60 days after discharge.
  • Modern Treatment Coverage Covers expenses for advanced medical procedures and technologies.
  • Cataract Treatment Provides coverage for cataract treatment up to a specified limit.
  • Ambulance Charges Covers on-road ambulance expenses up to a certain limit per hospitalization.
  • AYUSH Coverage Includes expenses for treatment under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy systems of medicine.

Exclusions

  • Permanent diseases or health conditions that are not included under ZUNO Empower Health Insurance Plan are:
  • Admission is primarily for investigation and evaluation.
  • Admission for rest cure, rehabilitation, and respite care
  • Surgical treatment of obesity that does not meet certain conditions.
  • Gender change treatment or procedures.
  • Cosmetic or plastic surgery.
  • Treatment for injuries resulting from hazardous or adventure sports.

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

Other features & benefits

Bottom Line

The Zuno Empower Health Insurance Plan offers a comprehensive and flexible approach to safeguarding your health and finances.  With a range of customizable options, including varying coverage amounts and deductible choices, you can tailor a plan that perfectly aligns with your individual needs and budget.  From essential hospitalization coverage to critical illness protection and optional add-ons, Zuno Empower empowers you to take control of your healthcare journey. Don't wait until illness strikes – secure your future health today. Visit the Zuno Health website or contact PolicyX.com dedicated customer support team to learn more and get a personalized quote.  Protect yourself and your loved ones with Zuno Empower.

ZUNO Empower Health Insurance: FAQs

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: 21 May 2025 · Originally published: 21 May 2025

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