Zuno Health Insurance: Plans, Review, and Should You Buy?

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

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.

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.

Zuno Health Insurance: Performance Metrics

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: Zuno’s average CSR of 89.67% is slightly below Ditto’s 90% benchmark and lower than the industry average of 92.02%. This makes its claim settlement performance relatively weaker than the benchmark.
• Claims Payout Balance: Zuno’s average ICR of 89.39% is higher than the industry average of 81.88%. This means it pays out a larger proportion of the premiums collected as claims. However, a higher ICR alone does not necessarily indicate better claims performance.
• Customer Complaint Experience: Zuno’s complaint volume of 21.44 per 10,000 claims is considerably lower than the industry average of 29.35. This is a positive indicator, although the figure represents Zuno’s overall insurance business.
• Business Scale: Zuno’s average annual health GWP of ₹382.76 crore is significantly lower than the industry average of ₹4,504 crore. This indicates a relatively smaller health insurance business compared with larger insurers such as 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.

Network Hospitals: How Many Does Zuno Cover Across India?

Zuno now has a network of 10,000+ hospitals across India, where policyholders can access cashless hospitalization, subject to policy terms and claim approval. This meets Ditto’s preferred benchmark of 10,000+ network hospitals, giving policyholders fairly broad access to cashless treatment across the country.

However, network size alone should not drive your decision. Before buying, use Zuno’s hospital locator to check whether your preferred hospitals are empaneled. The locator may also ask you to select the relevant Third-Party Administrator (TPA) before viewing hospitals available in your city.

Premiums and Affordability of Zuno Health Plans

Take Note: Here, A stands for adult and C for child(ren). These are indicative premiums for a Delhi resident (PIN code: 110010) with ₹15 lakh cover. Your premium can change based on age, city, medical history, plan variant, added discounts, and chosen add-ons.

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 12,00,000 customers choose the right insurance policy. Why customers like Pallavi love us:

• 100% Free Consultation
• No Spam. No Sales Pressure.
• Rated 4.9/5 on Google Reviews by 30,000+ Happy Customers
• Backed by Zerodha
• Dedicated Claim Support Team
• Compare Plans and Premiums with a Trusted Insurance Advisor

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat with us on WhatsApp. Slots fill up fast!

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.