Edelweiss Zuno Saral Suraksha Health Insurance Plan Details
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ZUNO Health Insurance ZUNO Health Insurance ★ 4.4

Zuno Saral Suraksha Bima Health Insurance

Zuno Saral Suraksha Bima by Zuno Health Insurance Company is a persona ...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 Saral Suraksha Bima by Zuno Health Insurance Company is a personal accident insurance policy in India, designed to protect individuals aged 18 to 70 from financial hardship due to accidents. It offers coverage for injuries, disabilities, or death resulting from accidental events. Importantly, accidental coverage isn’t limited to vehicle collisions.

Why do we recommend this?
  • Accidental death covered
  • Permanent and total disablement covered
  • Hospitalisation expenses

Plan at a glance

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

Entry age
18 years to 70 years
Plan type
Accident Health Insurance
Sum insured options
₹2 L, ₹10 L, ₹50 L, ₹1 L
Waiting period
00 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

  • Accidental death covered
  • Cumulative bonus
  • Education grant

Cons

  • Not a comprehensive plan
  • Adventurous accident
  • War injuries not covered

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 Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not 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 Not 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 applicable
  • Sub-limits Not applicable
  • Compassionate travel Covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: - 18 years
  • Max entry age: - 80 years
  • SI: - INR 2.5 L to 1 Cr
  • No Waiting Period

Frequently Asked Questions

The 4 most-asked questions about Zuno Saral Suraksha Bima Health Insurance, answered.

This plan generally covers hospitalization expenses, including room charges, doctor’s fees, surgery costs, and other related medical expenses up to the sum insured. Some plans might include coverage for specific treatments or critical illnesses. Refer to the policy document for the precise inclusions.
Yes, Zuno Saral Suraksha Bima’s plans allow you to cover your spouse and dependent children. Check the policy details for family floater options.
You can calculate the premium based on factors like age, sum insured, and sometimes medical history.
You can pay the premium annually, semi-annually, quarterly, or monthly, using various methods like online payment, cheque, or direct debit.

Conclusion

A basic accident insurance plan offering financial protection against death and disability, but not

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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: 10 Jul 2025

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