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Zuno Health Insurance (Gold)

Introduction to Zuno Health Insurance (Gold)

Zuno Health Insurance Plan is a health insurance policy offered by Zuno General Insurance Company Limited. A health insurance plan promises to pay for hospitalization-related expenses. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. With Zuno’s Health Insurance Plan, you can ensure that you and your loved ones have access to the medical care needed without worrying about the financial burden of unexpected medical expenses. This comprehensive insurance plan offers a range of features, benefits, and add-ons to meet your and your family’s unique medical needs.

Verdict: Zuno Health Insurance (Gold)

This health insurance plan comes with some distinct features, such as automatic increase of sum insured on diagnosis of a listed critical illness, the option to waive off the first renewal premium if you do not make a claim during the first policy year, and so on. It is also fairly priced in comparison to other products in the market. However, it does not offer comprehensive coverage. It is also not available on an individual basis and does not provide a monthly premium payment option. And, according to our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.

Pros & Cons: Zuno Health Insurance (Gold)

  • arrow Fairly priced in comparison to other products in the market
  • arrow On diagnosis of a critical illness listed in the policy document, the base sum insured will automatically increase by 50%
  • arrow Option to waive off the first renewal premium if you don't make a claim in the first policy year
  • arrow Covers expenses associated with pregnancy
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Limitations on the type of hospital room you choose
  • arrow Only available for families, not individuals
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Zuno Health Insurance (Gold)

01 Treatment for any sexually transmitted disease
02 Prosthesis or external equipments of any kind used for diagnosis or treatment
03 Any treatment related to acupressure, acupuncture, magnetic therapy
04 Expenses for treatment related to external birth defects
+ Show 9 more

Special Conditions: Zuno Health Insurance (Gold)

01 If case of portability, the credit for sum insured will be available up to the amount of the expiring policy's sum insured, including any restored sum insured

About Zuno General Insurance Company Limited

Zuno General Insurance Company Limited logo

Zuno General Insurance Company Limited was formally known as Edelweiss General Insurance Company Limited. The company offers a wide range of insurance products including bike insurance, car insurance and health insurance. It was founded in 2016 and is headquartered in Mumbai, Maharashtra. Shanai Ghosh is the company's CEO and MD.

Founded in
JV Partners
Turnover (GWP)
41.69 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Zuno Health Insurance (Gold)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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