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Zuno · ZUNHLIP26040V042526

Zuno Health Insurance (Gold)

Zuno Health Insurance (Gold) (IRDAI UIN ZUNHLIP26040V042526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 20 lakh (5 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Zuno Health Insurance (Gold) is a health insurance plan from Zuno. Key specifications: plan type Individual and family floater, room rent Standard Single Private Room; no capping on ICU accommodation, pre-existing disease waiting 36 months.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
Standard Single Private Room; no capping on ICU accommodation
Pre-existing disease waiting
36 months

Pros

  • No room-rent cap

Cons

  • Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #44 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured 20 lakh
Entry age 3 months to 65 years
Room rent Standard Single Private Room; no capping on ICU accommodation
Co-payment Compulsory 20% for each Insured Person aged above 60 Years

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit 100% of the Sum Insured once in a policy year (in-built in Gold and Platinum); not triggered on the first claim; unrelated illness only
No-claim bonus 50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity Up to Rs 50,000; waiting period of 4 years (Gold)

Insurer

Health incurred claim ratio (insurer) 90.12%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 10000+
IRDAI UIN ZUNHLIP26040V042526

About the Health Insurance (Gold)

Zuno Health Insurance (Gold) (IRDAI UIN ZUNHLIP26040V042526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 20 lakh (5 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Zuno.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
  • Entry age: 3 months to 65 years
  • Room rent: Standard Single Private Room; no capping on ICU accommodation
  • Co-payment: Compulsory 20% for each Insured Person aged above 60 Years

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: 100% of the Sum Insured once in a policy year (in-built in Gold and Platinum); not triggered on the first claim; unrelated illness only
  • No-claim bonus: 50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
  • Maternity: Up to Rs 50,000; waiting period of 4 years (Gold)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Zuno does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Zuno's health incurred claim ratio was 90.12% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Zuno states a network of 10000+ hospitals.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Insurance (Gold)

All health insurance →
  • Individual and family floater Plan type
  • 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,722 a year*

SBI General

Super Health - Elite

  • Individual and family floater Plan type
  • Actuals up to Sum Insured Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Health Insurance (Gold)

Questions

Health Insurance (Gold) FAQs

It depends on your age, cover, city and options. Zuno does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

ZUNHLIP26040V042526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Standard Single Private Room; no capping on ICU accommodation.

Co-payment as stated by the insurer: Compulsory 20% for each Insured Person aged above 60 Years.

Maternity as stated by the insurer: Up to Rs 50,000; waiting period of 4 years (Gold).

60 days before and 90 days after hospitalisation.

5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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