Zuno Corona Rakshak
  • COVID-19 Cover
  • Minimal Waiting Period
  • Consumables Cover
Zuno Corona Rakshak
Network hospitals

Network hospitals

10000+

Claim settlement ratio

Claim settlement ratio

98.54%

Sum insured

Sum insured

Up to 1Cr.

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.7

Pan India Presence

Pan India Presence

9+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Zuno Corona Rakshak

Zuno Corona Rakshak policy is a health plan designed to fight against COVID-19. The plan can be bought on an individual and family basis between 18 and 65. The plan offers a 100% sum insured lump sum benefit on being diagnosed positive with COVID-19 and requiring hospitalization for 72 hours or more. Originally launched by IRDAI, Corona Rakshak ensures your loved ones are covered against medical expenses related to COVID-19. 

Zuno Corona Rakshak health plan has a waiting period of only 15 days from the date of policy commencement. Additionally, the plan offers various discounts like family and online purchase discounts.

traordinary Facts

Corona Rakshak is a plan designed by IRDAI to safeguard Indian citizens from the medical expenses of COVID-19. Find out more on the plan by scheduling a personalized 30-minute free call with our insurance experts today.

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Zuno Corona Rakshak Specifications

To understand Zuno Corona Rakshak Insurance in detail, take a look at the below table:

Entry Age

18 to 65 years

Policy Type

Individual

Sum Insured

50000 | 2.5 L

Initial Waiting Period*

15 Days

Renewability

NA

Policy Term

3.5/6.5/9.5 Months

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

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Choose Your Zuno Corona Rakshak

With wide coverage options available, Zuno Corona Rakshak Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Not Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Available

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Zuno Corona Rakshak Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Zuno Corona Rakshak Health Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage and abortion

Congenital disease

Infertility and in vitro fertilization

Explore other ZUNO Health Insurance

To cater to the different medical needs of an individual & their family, ZUNO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ZUNO Health Insurance plans explore more:

Family

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani health insurance plan is a standard comprehensive health plan proposed by the IRDAI to simplify health insurance for the masses...

Unique Features

  • Explore Arogya Sanjeevani
  • Benefits and Features
  • Eligibility Criteria

Zuno Arogya Sanjeevani (Pros)

Zuno Arogya Sanjeevani
  • Affordable
  • No-claim bonus
  • Flexible policy
  • Modern procedures
  • Cataract cover

Zuno Arogya Sanjeevani (Cons)

Zuno Arogya Sanjeevani
  • 5% Co-payment
  • Obesity treatment unavailable
  • Hazardous activities not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Zuno Arogya Sanjeevani (Other Benefits)

Zuno Arogya Sanjeevani
  • Lifelong renewal
  • Road ambulance cover
  • Room rent cover
  • AYUSH treatment cover
  • Family discount

Zuno Arogya Sanjeevani (Eligibility Criteria)

Zuno Arogya Sanjeevani
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Zuno Corona Kavach

Zuno Corona Kavach

Corona Kavach is a floater health insurance plan designed to cover hospitalization expenses related to COVID-19. It is available for individuals and f...

Unique Features

  • Explore COVID-19 Care
  • Hospitalisation Expenses
  • Add-ons Available

Zuno Corona Kavach (Pros)

Zuno Corona Kavach
  • AYUSH Cover
  • Pre Hospitalization Cover
  • Ambulance Cover
  • COVID-19 Cover

Zuno Corona Kavach (Cons)

Zuno Corona Kavach
  • Obesity treatments
  • HIV/AIDS
  • Adventure sports
  • Illegal activities

Zuno Corona Kavach (Other Benefits)

Zuno Corona Kavach
  • Hospital cash
  • Discounts
  • Family cover
  • Tax benefits

Zuno Corona Kavach (Eligibility Criteria)

Zuno Corona Kavach
  • Min entry age: 18 years Max entry age: 65 years
  • Sum insured: 50k to 1 L
  • Waiting Period: 30 Days

Individual

Zuno Corona Rakshak

Zuno Corona Rakshak

Zuno Corona Rakshak policy is a health plan designed to fight against COVID-19. The plan can be bought on an individual and family basis between 18 an...

Unique Features

  • COVID-19 Cover
  • Minimal Waiting Period
  • Consumables Cover

Zuno Corona Rakshak (Pros)

Zuno Corona Rakshak
  • COVID-19 cover
  • Tax benefits
  • Ambulance cover
  • Hospitalisation cover

Zuno Corona Rakshak (Cons)

Zuno Corona Rakshak
  • Illegal activities
  • Adventure sports
  • Obesity treatments
  • HIV/AIDS

Zuno Corona Rakshak (Other Benefits)

Zuno Corona Rakshak
  • Consumables cover
  • High sum insured
  • Affordable
  • Diagnostics covered

Zuno Corona Rakshak (Eligibility Criteria)

Zuno Corona Rakshak
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Sum insured: 50 K to 2.5 L
  • Waiting period: 15 days

Zuno Corona Rakshak: FAQs

1. What are the age criteria for buying Corona Rakshak health policy?

The age criteria for Zuno Corona Rakshak health plan is 18 to 65 years.

2. What is the sum insured available under Zuno Corona Rakshak health plan?

The Zuno Corona Rakshak health plan offers a sum insured from INR 50,000 to 2.5 Lakhs.

3. Is AYUSH Treatment available under Zuno Corona Rakshak health policy?

Yes, AYUSH treatments are covered under the Zuno Corona Rakshak health plan.

4. Can I buy Zuno Corona Rakshak health policy online?

Yes, you can purchase the Zuno Corona Rakshak health plan online by visiting the Zuno health insurance website.

5. Is there a waiting period related to Zuno Corona Rakshak health policy?

Yes, Zuno Corona Rakshak health plan has a minimal waiting period of 15 days as compared to 30 days initial waiting period.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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