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

About Zuno Saral Suraksha Bima Health Insurance

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

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, accidents aren't limited to vehicle collisions. The policy defines an accident as any sudden, unforeseen, and unexpected physical event caused by external, violent, and visible means. This could include workplace incidents (like a factory accident), household accidents (such as a ceiling collapse), or road accidents (like a collision between a bike and a cyclist). Essentially, Saral Suraksha Bima provides a safety net for a wide range of accidental circumstances. 

 

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

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 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

 

  •  

Inclusions & exclusions

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

Inclusions

  • Accidental death In case, the policyholder dies due to any accident, this policy will give 100% of the sum insured to the nominee.
  • Permanent total disablement If the insured person suffers any loss of body parts like eyes, hands or feet, due to an accident during the policy period, they will get the 100% sum insured.
  • Permanent partial disablement In case of partial disablement, the insured person will get a lump sum amount of the sum insured amount.
  • Hospitalisation expenses due to accident In case of hospitalisation, 10% of your sum insured will be provided as cash to the insurer for their daily expenses.
  • Education grant In case of death or permanent disability, your kids will get 10% of the sum insured for their education.
  • Temporary total disablement If the insured person suffers an injury in an accident during the policy period that completely prevents them from performing any job or occupation they were capable of at the time of the accident (Temporary Total Disablement), the company will pay the benefit specified in the policy schedule.

Exclusions

  • Permanent diseases or health conditions that are not included under Zuno Saral Suraksha Bima are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Hazardous sports
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

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

Other features & benefits

Conclusion

Zuno Saral Suraksha Bima offers a straightforward and accessible approach to health insurance, providing essential coverage for unforeseen medical expenses in case of an accident. With its simplified structure and focus on core benefits, this plan aims to alleviate the financial burden of hospitalization and treatment, allowing you to focus on your recovery. While it is important to review the policy details and exclusions to ensure they align with your individual needs, Zuno Saral Suraksha Bima presents a valuable option for those seeking a reliable and uncomplicated health insurance solution.

To know more about any health insurance plan, contact PolicyX.com.

Zuno Saral Suraksha Bima Health Insurance: FAQs

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: 10 Jul 2025 · Originally published: 10 Jul 2025

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