Zuno Health Insurance review: Silver, Gold and Platinum
Zuno Health Insurance (UIN ZUNHLIP26040V052526) has three plans in one wording. Every claim for anyone aged above 60 carries a 20% co-payment. Gold and Platinum pay a single private room, add 50% of the sum insured as bonus each claim-free year up to 100%, and include maternity after 48 months. Platinum has the shortest pre-existing disease wait, 24 months, against 36 months on Silver and Gold.
Silver vs Gold vs Platinum
| Silver | Gold | Platinum |
|---|
| Room | 1% of sum insured a day up to ₹2 lakh cover; single private room above | Single private room | Single private room |
|---|
| Before / after a stay | 30 / 60 days | 60 / 90 days | 90 / 180 days |
|---|
| Bonus | 10% a year, up to 50% | 50% a year, up to 100% | 50% a year, up to 100% |
|---|
| Restore | Add-on only | Once a year, unrelated illness | Once a year, unrelated illness |
|---|
| Maternity | Not covered | Up to ₹50,000, after 48 months | Up to ₹2 lakh, after 48 months |
|---|
| Organ donor | Not covered | Up to ₹1 lakh | Up to ₹2 lakh |
|---|
| Ambulance (a year) | ₹1,500 | ₹3,000 | ₹10,000 |
|---|
| Pre-existing diseases | 36 months | 36 months | 24 months |
|---|
Rules for every plan
- 20% compulsory co-payment on every claim for anyone aged above 60.
- Listed illnesses and surgeries wait 24 months. Cataract has its own limit.
- Bonus drops at the same rate after a claim year.
- Treatment in India only.
Frequently asked questions
Is there a co-payment in Zuno Health Insurance?
Yes, 20% on every claim for anyone aged above 60. Younger members can choose a voluntary co-payment for a lower premium.
Does Zuno Health Insurance cover maternity?
On Gold (up to ₹50,000) and Platinum (up to ₹2 lakh), after 48 months. Silver does not cover it.
Which Zuno plan has the shortest pre-existing disease wait?
Platinum, at 24 months. Silver and Gold wait 36 months.
Compare these plans clause by clause
Where this comes from
- Zuno Health Insurance policy wording, UIN ZUNHLIP26040V052526. Clauses General condition 2 (co-payment), benefits by variant, pre and post hospitalisation, cumulative bonus, restoration, maternity, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
Related
All plans