Covid Healthcare Insurance

The minimum sum insured available is Rs 50,000. For Corona Kavach, our sum insured goes up to Rs 5,00,000. For Corona Rakshak, it goes up to IN 2,50,000.

To buy this policy, the Principal Insured needs to be between 18 and 65 years of age. 

You can choose to cover just an individual, or your entire family under a floater policy. We'll cover you and your spouse as well as dependent parents, parents-in-law and children.

Absolutely. Here's a look at the discounts we offer under Corona Kavach:
• Family Discount - 5% discount on the total premium if two or more family members are covered by the same policy under the individual policy option.

• Edelweiss Group Employee Discount - 5% discount if you're an employee of the Edelweiss Group.
• Online Discount - 15% discount on the total premium when you buy the policy directly from the Zuno website. 
• Healthcare Worker Discount - 5% discount on the total premium if you're a healthcare worker.
• Police Personnel Discount - 2.5% discount on the total premium if you're a member of the Police force.

•Yes. Here's a look at the discounts we offer under Corona Rakshak:
• Family Discount - 5% discount on the total premium if two or more family members are covered by the same policy under the individual policy option.                                                                                              • Edelweiss Group Employee Discount - 5% discount if you're an employee of the Edelweiss Group.
• Online Discount - 15% discount on the total premium when you buy the policy directly from the Zuno website. 

In most cases, we won't need you to undergo any kind of test. But, we'll take a final call based on your age and medical history. If required, we'll inform you about what we need and reach out to our pre-policy check-up TPA.

Every health insurance policy has a waiting period, during which certain claims are not accepted. Claims that are made during the first 15 days from the start date will not be approved

You can choose how long you would like your policy to be valid for. The options available, including the waiting period, are:
• Three and a half months, or 105 days
• Six and a half months, or 195 days
• Nine and a half months, or 285 days

Once you make the payment, you'll get a soft copy sent straight to your e-mail. So, even if you do lose your physical copy, you'll have one waiting in your inbox, but we understand that your e-mail may get deleted, too. If you need another hard or soft copy, you can get in touch with us and we'll send one across ASAP.

•Our TPA, Paramount handles claims for COVID Kavach. Click here to view our complete list of medical centres where cashless treatment is available. 
Our in-house Claims Team handles claims for Corona Rakshak. for more informatio, please call us on:
 Toll free - 1800 12000 
Paid landline- 022 42312000 
Or email us at support@hizuno.com

Whether you've booked your appointment in advance, or need to rush to the hospital in an emergency, simply contact the TPA desk at the network hospital and show them your health card - or your policy copy - to get cashless services

•You will need to attach the following documents with the filled up and signed Claim Form:
• Photo ID proof of the insured individual, preferably copies of their passport
• Medical practitioner's prescription advising admission in a hospital

•Original bills with an itemised breakup of costs and payment receipts
• Investigation reports from an authorised Covid-19 testing centre
• Your NEFT details along with a cancelled cheque, so that we can directly credit the claim amount to your bank account
• If the claim amount is over Rs 1,00,000/-, we also need the KYC details of the proposer as per the AML guidelines
• A legal heir/succession certificate, wherever applicable

•Other documents that we or the TPA ask for in order to check the claim

Both Cashless and Reimbursement facilities are available if you need to claim.

Minimum Age of Proposer should be 18 years whereas Maximum shall be 90 Years. 

This product covers medical expenses for hospitalization of the Insured Person during the Policy period, for the treatment of Covid-19 after positive diagnosis from a Government authorized diagnostic centre. It also covers the expenses of treatment of any comorbidity up to the Sum Insured specified in the policy schedule.

Under this cover, we will pay for the pre-hospitalization/home care treatment expenses, for a fixed period of 15 days before the date of admissible hospitalization covered under the policy

Under this cover, we will pay for the post-hospitalization/home care treatment expenses, for a fixed period of 30 days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy

Rs 50,000/- (Fifty Thousand) to Rs 5,00,000/- (Five Lakh) (in the multiples of fifty thousand) 
On Individual basis: The Sum Insured applies to each individual family member 
On Floater basis: the Sum Insured applies to the entire family

Yes

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