Zuno Health Insurance Top-up & Super Top-up Plans

Due to the spread of the coronavirus pandemic, a lot of people have realised the importance of health insurance plans as it provides the policyholders with financial backup in case of a medical emergency. Health insurance plans are of different types like individual health insurance plans, family floater health insurance plans, group health insurance plans, maternity benefit covers, add-on covers, and much more. You must analyze your choices before investing in a health insurance plan and then based on your financial budget and medical history, you can invest in a particular health insurance policy. Regular health insurance plans provide benefits like hospitalization expenses, medication costs, ambulance charges, room rents, and a lot more. Other basic perks of a health insurance plan include tax deduction benefits, no claim bonus, cumulative bonuses, etc.

Zuno health insurance firm provides different variants of top-up health insurance plans which compensate for the medical expenses that reach the deductible limit of the base health insurance policy. It comes into force after the sum assured under the base plan is exhausted. Top-up plans look after a single medical bill claimed by the policyholder in a policy year, while super top-up plans compensate for cumulative bills requested by the policyholder in a policy year. The sum assured and other features of the top-up plans differ according to the specifications customized by the policyholders.

About Zuno Top Up Health Insurance Plans

Top-up plans by Zuno health insurance plans serve the same purpose of providing additional coverage to the policyholders on exhaustion of the base sum assured. But these plans can be bought without any regular health insurance plans and they come into action when the base sum assured gets exhausted under the medical dues. Let us look at some of the common features of Zuno health insurance firm and their super top up and top-up health insurance plans:

• The health insurance policies can be bought for around 8 members of the family altogether, including the relations specified in the policy terms.
• The claim amount by Zuno Health Insurance covers can go up to Rs. 2 Crore.
• Co-payment of 20% is applicable to policyholders above the age of 60 years.

Key Benefits of Zuno Top Up Health Insurance Covers

Let us look at some of the essential benefits of Zuno top-up health insurance plans:

• The insurer offers the flexibility of choosing the policy tenure to the policyholders. The available policy tenures are 1, 2, or 3 years, which can be chosen by the policyholder based on their choices.
• The insurer provides the policyholders with worldwide comprehensive coverage of the plan.
• Daily cash benefits of around Rs. 500 to Rs. 5000 can be availed on a daily basis by the policyholders for a maximum of 10 days.
• Tax reduction benefits are also included as one of the perks of the top-up plans by Zuno health insurance.

Who Can Buy This Plan?

The minimum entry age for buying a top-up plan from Zuno health insurance is 18 years for individual covers and 91 days for family floater top-up covers. However, the maximum age to buy this plan is 65 years for adults and 25 years for dependent children.

Waiting Period Under This Plan

This top-up health insurance plan by Zuno health insurance comes with a waiting period of 30 days excluding the accidents. The waiting period is 36 months for pre-existing diseases.

Renewability of The Plan

This top-up plan must be renewed annually by the policyholders to continue availing of the benefits and services of this plan.

Exclusions Under The Plan

Let us look at some of the common exclusions under the Zuno top-up health insurance plan:

• Obesity and weight control treatments are not covered under this plan
• Change of gender treatments are excluded from the coverage of the plan
• Cosmetic and plastic surgeries
• Hazardous sports
• Diseases and injuries due to self-harm or consumption of alcoholic substances are also not covered under this top-up plan.