Zuno Top-Up Health Insurance
Cashless Approval TAT | 30 mins Cashless Claim Processing |
Claim Settlement Ratio | 94% |
Network Hospitals | 5,000+ |
PED Waiting Period | 3 years |
Special Benefits | Cash Advance for Reimbursement Claims |
Starting Premium for 5 lac SI | Rs. 548/month |
About Zuno Top-Up Health Insurance
Edelweiss Health Top-up Insurance Policy provides coverage to people aged at least 91 days for several healthcare expenses. To be the proposer for this policy, one must be aged at least 18 years. The good news is that there is no restriction on the upper age limit to be covered under this policy. The policy can be purchased on an individual or family floater basis. If purchased on an individual basis, you can include self, spouse, dependent children, parent(s), parent(s)-in-law, son-in-law, daughter-in-law, grandparent(s), grand children, brother-in-law, sister-in-law, niece, and nephew. Whereas on a family floater basis, you can include self, legally wedded spouse, dependent parent(s), dependent parent(s)-in-law, natural or legally adopted dependent children aged between 3 months and 25 years.
Some coverage benefits that the policy offers you include AYUSH treatments, daycare treatments, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, etc. The policy can be purchased for 1 year, 2 years, or 3 years, for different sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh. The policy comes in two variants namely top-up and super top-up. Sum insured options under top-up policy are of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, and Rs. 20 Lakh. Whereas super top-up policy can be purchased for sum insured of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 50 Lakh, Rs. 75 Lakh, Rs. 1 crore, Rs. 1.5 crore, Rs. 2.5 crore, and Rs. 5 crore.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Pre-hospitalisation and post-hospitalisation expenses
- Daycare treatments
- Treatments taken under AYUSH systems of medicines
- Domiciliary hospitalisation expenses are covered under this plan.
What's Not Included
- Change of gender treatments
- Expenses arising due to obesity/weight control procedures
- Hospitalisation expenses for the purpose of investigation
- Expenses incurred on cosmetic or plastic surgery
- Treatment required due to participation in adventure sports
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FAQs on Health Top-Up Insurance Policy Health Insurance Plan
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Are there any optional covers available under Edelweiss Health Top-up Policy?
Yes. Edelweiss Health Top-up Policy comes with the following optional covers:
- Emergency ambulance
- Maternity
- Organ donor
- Pre-existing disease waiting period waiver/reduction
- Base policy higher room rent support
- Vaccination cover
- Base policy co-pay support
- Newborn care
- Double sum insured for critical illness
- Assistance services
- Hospital cash
- Recharge
- Restoration
- Dental OPD cover
- Worldwide coverage (extended coverage)
- Emergency ambulance
- 241 optional cover
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Can I avail free look period at the time of renewing Edelweiss Health Top-up Insurance Policy?
No. Edelweiss Health Top-up Insurance Policy comes with a free look period of 15 days which can only be availed at the time of buying a new policy and not at the time of renewal.
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How are payments made under Health Top-up Insurance Policy?
Payments under Health Top-Up Insurance Policy are made on indemnity basis. However the payment of hospital cash is made on a benefit basis.
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What are the waiting periods under the Edelweiss Health Top-up Insurance Policy?
Edelweiss Health Top-up Insurance Policy comes with the following waiting periods:
- Waiting period for pre-existing diseases: 36 months
- Waiting period for specified disease/procedure: 24 months/90 days
- Initial waiting period: 30 days