What is Group Health Insurance?
Group Health Insurance, also known as a Group Mediclaim policy or a Corporate medical insurance plan, is a health insurance cover for a group of people that work in an organisation. The employer pays the premium, and the coverage can extend to each employee’s dependent family members.
The coverage includes in-patient hospitalisation, pre- and post-hospitalisation expenses, ambulance cover, health check-ups, and many more. Zuno lets you customise these offerings as per your group members’ needs.
Every Group Medical Insurance policy in India clearly mentions the medical conditions and treatments covered as well as the maximum amount it will settle in a policy year.
Who should buy Group Medical Insurance?
We make it easy for you to look after all your people.
As we all know, getting medical treatment in a hospital can be heavy not just on your heart, but also on your wallet. With Zuno Group Medical Insurance plans, we’ll help you take care of everything.
Employee retention and motivation - Offering insurance coverage will help you provide your employees with financial security during medical emergencies. The sense of security you provide increases employee satisfaction and motivation. Many employees consider insurance as a major factor to help them decide whether to join an organization. It also motivates them to work at a particular place for a long time.
Employee welfare - Value-added wellness benefits offered under Group health insurance covers can also boost employee engagement and ensure their mental and physical well-being.
Higher benefits, lower cost - As the risk is spread across a group of people, more coverage and benefits can be offered at an affordable cost.
Tailor-made, just for you - Group policies offer customization and flexibility to suit the needs of the group.
Features of Zuno Group Health Insurance Policy
Wide range of sum insured amounts
Get coverage up to INR 5 crores as per your needs.
Deductible options
– Opt for a deductible based on your requirements.
Pre and Post-Hospitalisation
Get coverage for 30 days pre-hospitalisation and 60 days post-hospitalisation.
Domiciliary cover
Get domiciliary cover in the base plan.
AYUSH cover
Enjoy AYUSH coverage in the base plan.
More than 20 optional benefits
Additional sum insured for critical illness, maternity, out-patient treatment, recharge, AYUSH Cover, waiver of waiting periods and more.
Why buy Group Health Insurance plans from Zuno?
When you opt for a Group health insurance policy from Zuno, you benefit from minimal documentation allowing for quick processing. You can even customise the policy with our range of add-ons, allowing you to meet your group members’ specific needs. We provide our group health insurance policyholders with a dedicated customer support centre to help take care of all your queries.
Zuno Group Health Insurance – Eligibility and other important points
Age eligibility
Get coverage from 18 and renew the policy for life. There’s no upper age limit, while newborn cover starts from day one.
Cover for family members
The family includes the group member's spouse/partner, dependent children, and dependent parents/parents-in-law and siblings or any other such persons who are specifically mentioned in the schedule to this policy.
Policy Period
The policy will be issued for a period of 1 year.
Add-on Covers for Zuno Group Medical Insurance
Emergency ambulance expenses
You can opt for emergency ambulance services from our available options.
Extension of pre- and post-hospitalisation period
You can extend the days of pre- and post-hospitalisation up to 90 and 180 days, respectively.
Waiver of pre-existing disease exclusion
You can reduce or waive the waiting period with this optional cover.
Critical illness cover
Get a lump sum benefit in case diagnosed with any critical illness as per terms and conditions of the policy.
What is covered in a Zuno Group Health Insurance policy?
Hospitalisation expenses
Pre and post-hospitalisation medical expenses
Daycare treatment expenses
Domiciliary hospitalisation
AYUSH Cover
What is not covered in Zuno Group Health Insurance policy?
Any treatment received from somebody who is not a licensed practitioner.
Any condition or treatment specified in our list of non–medical items (Appendix – I - Policy Terms and Conditions).
Any condition caused either directly or indirectly by a sexually transmitted disease.
Treatments related to sleep disorders.
Preventive care such as vaccinations, including inoculation and immunisation (unless this is a post-bite treatment), tonics and vitamins.
Why buy from Zuno?
Timely assistance
Get in touch with us 24x7 on our toll-free number 1800 12000.
Paperless process
Go green and paper-free with our 100% online policy issuance.
Hassle-free claim settlements
Zuno settles claims as quickly as possible with minimal paperwork.
We won’t play the claim game
Call us on our toll-free no. 1800 12000 or paid landline 022 423 12000 or email us at support@hizuno.com to let us know the details of your health insurance policy claim.
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless.
Of course, if you still need us to answer any queries, you can get in touch with us at support@hizuno.com and we’ll reply soon.
Making sense of common insurance jargon
Group insurance
Insurance provided to a number of people under a single master policy issued to their employer or to an association with which they are affiliated
Claim
A request by a policyholder for payment following the occurrence of an insured event. A claim does not necessarily lead to a payment.
Indemnity
Legal principle that specifies an insured should not collect more than the actual cash value of a loss but should be restored to approximately the same financial position that existed before the loss.
Proposer
Individual or company offering or seeking insurance.
Want to buy Zuno Group Health Insurance?
Other important points of Zuno Group Health Insurance
The base plan has a PED waiting period of 36 months, which can be reduced or waived off by opting for the waiver of the waiting period optional cover.
The policy offers coverage on an individual as well as family floater basis as opted by the insured.
The family includes spouse, dependent children, dependent parents/parents-in-law, and siblings or any such other persons who are specifically mentioned in the schedule to this policy.
FAQs
Can family members be covered under the Zuno Group Health Insurance policy?
Yes, absolutely. With the family floater option, you can add your group members’ select family members to the Group health insurance plan.
What is the waiting period for a Zuno Group Health Insurance policy?
The waiting period for the Zuno Group health insurance policy for all illnesses is 30 days. However, the waiting period may differ based on the policy you have purchased. It is always best to double-check your policy documents for a clear picture.
How do I escalate the issue if my Zuno Group Health Insurance policy claim has not been settled?
We hope it never comes to this, but if you feel that you need your answer from the powers that be, you are welcome to approach the Insurance Regulatory and Development Authority of India (IRDAI) through the Integrated Grievance Management Section (IGMS) or by calling the IRDAI Grievance Call Centre (IGCC).
Will critical illnesses be covered under Group Health Insurance?
We offer coverage for critical illnesses at an additional cost with Zuno Group health insurance.
Are any medical tests required to avail of a Group Health Insurance policy?
We try and keep this process to an absolute minimum. We’ll take a call on whether group members need any medical tests based on the amount they’re covered for as well as their age and medical history.
Who manages claims for Zuno Group Health Insurance?
Below are the TPAs handling claims for Zuno Group Health Insurance. You can click on the names given below to visit their websites.
Paramount Health Services & Insurance TPA Private Limited, Vidal Health Insurance TPA Private Limited, Family Health Plan Insurance TPA Limited
Do you have any flexible payment options available for Zuno Group Health Insurance?
Yes, we do have an instalment premium payment option available for the policy.