Zuno Health Insurance Review: Plans & Verdict

Overview

Zuno Health Insurance (formerly Edelweiss General Insurance) is a digital-first insurer known for affordable premiums and flexible coverage options. Its plans offer features such as pre- and post-hospitalization coverage, maternity options, and high Sum Insured (SI) choices of up to ₹5 crore.

However, Zuno's hospital network of over 6,200 hospitals is significantly smaller than that of some larger insurers, such as HDFC ERGO and Ditto’s recommended 10,000+ benchmark, which may affect access to cashless claims in certain locations.

This Zuno Health Insurance review is best suited for budget-conscious, digitally comfortable buyers looking to explore the health plans it offers.

Zuno General Insurance was previously known as Edelweiss General Insurance. The company received its IRDAI registration in December 2017, began operations in February 2018, and officially rebranded to Zuno General Insurance in February 2023.

In the next few minutes, this guide breaks down the health plans offered by the insurer, premiums, network hospitals, and whether it’s an ideal choice for you.

Key Health Insurance Plans Offered by Zuno General Insurance

Plan	Features	Recommended Add-ons	Suitable For
Zuno Health Insurance Silver(SI offered₹1 lakh to ₹5 lakh)	Covers 60 days pre- and 90 days post-hospitalization expenses. Offers a 10% no claim bonus for every claim-free year up to 50%. Room rent restrictions apply for policies up to ₹2 lakh	Restoration	Ideal for budget-conscious customers seeking basic health insurance protection
Zuno Health Insurance Gold(SI offered₹5 lakh to ₹20 lakh)	Includes standard room eligibility and maternity cover up to ₹50,000. Offers restoration benefits and a 50% no claim bonus up to 100% of the base cover	Recharge benefit	Suitable for families seeking broader coverage, higher bonuses, and better hospitalization benefits
Zuno Health Insurance Platinum(SI offered₹15 lakh to ₹1 crore)	Includes 90 days pre- and 180 days post-hospitalization expenses, maternity cover up to ₹2 lakh, and restoration benefits. Offers a 50% no claim bonus up to 100% of the base cover	Recharge benefit	Ideal for families seeking high coverage limits and individuals living in metros with rising healthcare costs
Zuno HealthPlus(SI offered₹1 lakh to ₹5 crore)	No room rent cap, 2X cover from day one through Recharge, Unlimited Restore for unrelated illnesses, modern treatment coverage, and no disease-wise sub-limits up to the sum insured	Outpatient cover and reduction in pre-existing disease waiting period	Metro buyers who want to choose private rooms and a higher sum insured

Note: Zuno’s Recharge Benefit can restore the sum insured once in a policy year and may even be used for the same illness or hospitalization. In comparison, the inbuilt 100% restoration available in Gold and Platinum is limited to unrelated illnesses. Also, a mandatory 20% co-pay applies to every claim for insured members aged above 60 years, which can materially increase out-of-pocket expenses. This co-pay is applicable to the Gold and Platinum variants.

At Ditto, we prefer plans that offer unlimited restoration for both related and unrelated illnesses, as they provide more dependable coverage during repeated hospitalizations. We also advise avoiding mandatory co-pay clauses, especially age-based co-pays, since they can significantly increase out-of-pocket expenses at claim time.

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Zuno Health Insurance: Performance Metrics

Metrics (Average of FY 2022-25)	Zuno Health Insurance	Industry Average
Claim Settlement Ratio (CSR)	90.10%	91.22%
Incurred Claim Ratio (ICR)	89.39%	81.88%
Complaint Volume (Per 10,000 Claims)	15.37	27.06
Gross Written Premium (GWP) / Annual Business - Total Health (in crore)	₹323	₹3,969

Note: The data presented above is sourced from IRDAI annual reports and Zuno General Insurance's public disclosures. Complaint statistics represent the insurer's overall portfolio, including health, car, and bike insurance products, and should not be interpreted as health insurance complaints alone.

Key Insights:

Claim Settlement Performance: The insurer’s CSR is above Ditto’s benchmark of 90% but is below the industry average. While not among the highest in the market, it remains within a reasonable range for a health insurer.
Claims Payout Balance: With a higher ICR compared to the industry average, Zuno pays out a relatively higher share of premiums as claims. However, a higher ICR is not automatically better. At Ditto, we prefer insurers with an ICR in the 50% to 80% range, as it may indicate a healthier balance between claim payouts and pricing sustainability.
Customer Complaint Experience: Zuno received substantially lower complaints than the industry average. This suggests a comparatively smoother customer experience and fewer claim-related grievances.
Business Scale: Zuno's average annual health insurance business is significantly smaller than the industry average, which reflects a smaller market presence as compared to insurers like Aditya Birla and Care.

The insurer is not currently among the best health insurance companies in India, and might need some time to scale up as a leading health insurer.

Zuno Health has a decent CSR but does not feature in the list of top 10 health insurers by CSR in India. Take a look at the infographic to see which insurers make it to the list.

CSR Rankings: Top 10 Health Insurers by 3-Year Average

Network Hospitals: How Many Does Zuno Cover Across India?

Zuno Health Insurance offers access to over 6,200 network hospitals across India, allowing policyholders to avail of cashless hospitalization at participating facilities, subject to policy terms and insurer approval. However, this size is almost half of what established insurers like Aditya Birla (12,000+) offer. At Ditto, we recommend selecting a health insurer which operates with 10,000+ network hospitals.

To find a network hospital, visit Zuno's hospital locator tool on its website. Select the relevant Third-Party Administrator (TPA), choose your city, and browse the list of empaneled hospitals.

Premiums and Affordability of Zuno Health Plans

Profiles	Zuno Platinum
(Individual Plan): Age 25	₹11,482
(Family Floater, 2A): Ages (31, 32)	₹21,458
(Family Floater, 2A 1C): Ages (35, 34, 5)	₹30,055
(Senior Citizens, 2A): Ages (63 and 61)	₹1,04,276

Take Note: In the table above, A refers to Adult and C refers to Child. The premiums shown are indicative and based on a ₹15 lakh sum insured for a resident of Delhi (110010). Your actual premium may vary depending on factors such as age, medical history, underwriting assessment, and city of residence.

Should You Buy Zuno Health Insurance?

At present, take a wait-and-watch approach on Zuno Health Insurance. The insurer’s product lineup is still evolving and lacks depth. Key limitations include the absence of consumables coverage, relatively constrained bonus and restoration benefits, and add-ons that are less comprehensive than those offered by several leading health insurance plans.

From an insurer's perspective, Zuno is a relatively small player in the health insurance market, with a limited health insurance business scale compared to larger insurers. Additionally, the company's business continues to have a significant focus on group health insurance. Its claims are serviced through TPAs like Medi Assist.

At Ditto, we recommend choosing health insurers that have in-house claim settlement teams for retail health insurance policies. When claims are handled directly by the insurer rather than a third-party administrator, the process is often more streamlined and transparent. It also leads to faster decision-making, better accountability, and a more consistent customer experience during hospitalization and claims.

Note: Before purchasing a health plan, it is important to carefully review coverage limits, waiting periods, room rent eligibility, and restoration benefits to ensure the plan aligns with your long-term healthcare needs. Here’s a health insurance checklist you must refer to before purchasing a policy.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right health insurance policy. Why customers like Pallavi below love us:

No-Spam & No Salesmen
Rated 4.9/5 on Google Reviews by 24,000+ happy customers
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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat with our advisors on WhatsApp.

Conclusion

Zuno Health Insurance offers affordable pricing and a straightforward digital experience, making it an interesting insurer to track. However, given its relatively small scale, limited retail health insurance presence, and evolving product suite, buyers may benefit from comparing it against other leading insurers.

As the company expands its network, strengthens operations, and builds a longer performance track record, it could become a more compelling option in the future. If you wish to explore health plans from established insurers, refer to our guide on the best health insurance plans in 2026.

Frequently Asked Questions

What is Zuno Health Insurance, and why was it rebranded from Edelweiss?

Zuno General Insurance Limited is the new identity of Edelweiss General Insurance, which rebranded in February 2023. The insurer received its IRDAI license in December 2017 and commenced operations in February 2018. The rebranding was part of the company's effort to build a more modern, digital-first insurance brand. While the name changed, existing policyholders continue to enjoy the same policy benefits and servicing arrangements. Today, Zuno offers health, motor, travel, and other insurance products, with a growing focus on technology-driven customer experiences and simplified online policy management.

What are the three main health insurance plans offered by Zuno?

Zuno offers three primary health insurance variants: Silver, Gold, and Platinum. Silver is the entry-level option with coverage up to ₹5 lakh and is aimed at budget-conscious buyers. Gold expands coverage up to ₹20 lakh and adds features such as organ donor benefits, stronger no-claim bonuses, and maternity cover. Platinum is the most comprehensive variant, offering coverage up to ₹1 crore along with higher ambulance limits, extended pre- and post-hospitalization coverage, and enhanced maternity benefits. The right choice depends on your budget, healthcare needs, and desired level of protection.

What is Zuno's claim settlement ratio, and how does it compare with the industry?

Zuno Health Insurance reported an average Claim Settlement Ratio (CSR) of 90.10% between FY 2022 and FY 2025. This is slightly below the industry average of 91.22%, but still indicates that the insurer settles the majority of claims received. While CSR is an important metric, it should not be viewed in isolation. Buyers should also consider incurred claim ratio, complaint volumes, hospital network strength, product features, waiting periods, and claims servicing processes. A balanced evaluation provides a more complete picture of an insurer's reliability than any single statistic alone.

How many network hospitals does Zuno have across India?

Zuno provides access to more than 6,200 network hospitals across India, enabling policyholders to avail cashless hospitalization at participating facilities. While this network is sizeble, it remains smaller than those of several larger private health insurers. At Ditto, we recommend health insurers that operate with over 10,000 network hospitals. The practical impact depends on where you live and seek treatment. Before purchasing a policy, it is advisable to verify whether your preferred hospitals are part of Zuno's network. A strong local hospital presence can significantly improve the cashless claims experience during medical emergencies.

What is the no-claim bonus offered under Zuno Health Insurance?

Zuno rewards claim-free policyholders through its no claim bonus feature. Silver plans offer a 10% increase in coverage for every claim-free year, up to a maximum of 50%. Gold and Platinum plans provide a more generous 50% increase for each claim-free year, up to a maximum of 100% of the base sum insured. This means your available coverage can grow substantially over time without a corresponding increase in the base sum insured. However, bonus accumulation and reduction rules should always be reviewed in the policy wording before purchase.

Does Zuno Health Insurance cover pre- and post-hospitalization expenses?

Yes. All Zuno health insurance plans cover medical expenses incurred before and after hospitalization, subject to policy limits. Silver covers 30 days of pre-hospitalization and 60 days of post-hospitalization expenses. Gold extends this to 60 and 90 days, respectively, while Platinum offers 90 days of pre-hospitalization and 180 days of post-hospitalization coverage. These benefits typically include consultations, diagnostic tests, medicines, and follow-up treatments related to the covered hospitalization. Such coverage helps reduce out-of-pocket expenses across the entire treatment cycle rather than only during the hospital stay.

What waiting periods apply under Zuno health insurance plans?

Zuno Health Insurance comes with multiple waiting periods that buyers should understand before purchasing. There is a standard 30-day initial waiting period for illness-related claims, while accident-related hospitalizations are covered from day one. Listed diseases and procedures, such as hernia, cataract, and similar conditions, carry a 24-month waiting period. Zuno also applies a unique 90-day waiting period for certain conditions, including diabetes-related complications, hypertension-related complications, and cardiac disorders. For pre-existing diseases, Silver and Gold have a 36-month waiting period, while Platinum reduces this to 24 months.

What is the room rent policy under Zuno Health Insurance?

Room rent eligibility differs across Zuno's plan variants. Silver policies with lower sum insured amounts have room rent restrictions, which can lead to proportionate claim deductions if a higher room category is chosen during hospitalization. Gold and Platinum plans offer standard single private room eligibility without the same level of restriction, providing greater flexibility during treatment. Room rent limits are an important policy feature because they can indirectly affect the final claim payout. Buyers should always review room eligibility terms carefully before selecting a health insurance plan.

Last updated on: 13 Jun, 2026