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Zuno General Insurance

Zuno (Edelweiss) General Insurance is a proud part of the Edelweiss Group, a homegrown multinational corporation. Edelweiss Group has touched the lives of millions of people over the last 20 years with a presence in services ranging from retail finance, debt capital markets, commodities, financial markets, wealth management to asset management. Zuno (Edelweiss) General Insurance was incorporated in March 2016; it offers solutions like Motor Insurance, Health insurance, Home Insurance, Loan Protection segments, Fire Insurance, Marine Insurance, Engineering Insurance, etc.

Note: Zuno General Insurance formally known as Edelweiss General Insurance.

Zuno General Insurance Company Products and Services

Motor Insurance

Third Party Only (Zuno (Edelweiss) Private Car Liability Only Insurance)

Liability to Third Parties

The insurance company shall indemnify the policyholder in case of an accident caused by or resulting from the use of the vehicle against all amounts which the insured shall become liable to pay in respect of:

i) demise or bodily injury to any person, so far as it is necessary to meet the requirements of Motor Vehicles Act

ii) damage to property to the tune of maximum Rs. 7,50,000/- other than property belonging to the policyholder or held in trust or in the custody or control of the insured.

Personal Accident Cover for Owner-Driver

The company shall pay compensation up to a limit of Rs. 2 lakhs on the basis of the following scale for bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle covered or while mounting into/dismounting from or traveling in the covered vehicle as a co-driver, caused by violent accidental external and visible means, which independent of any other cause, shall within 6 calendar months of such injury result in:

Nature of Injury	Scale of Compensation
Death	100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from injuries other than named above	100%

Third Party + Own Damage (Zuno (Edelweiss) Private Car Package Insurance)

Loss of or Damage to Vehicle Insured

The insurer shall indemnify the policyholder against loss or damage to the insured vehicle hereunder and/or its accessories whilst thereon:

By ﬁre, explosion self-ignition or lightning
By burglary, housebreaking or theft
By accidental external means
By malicious act
By riot and strike
By earthquake (Fire and Shock Damage)
By ﬂood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
By terrorist activity
While in transit by road rail inland - water way lift elevator or air
By landslide, rockslide

Subject to the limits of liability as laid down in the Schedule hereto, the policyholder shall be indemnified for an accident caused by or resulting from the use of the vehicle against all sums which the policyholder shall become legally liable to pay with regards to:

(i) Death of or injury to any individual including occupants carried in the vehicle (provided such occupants are not carried for hire or reward), but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the insurer shall not be liable where such death or injury arises out of and during the course of the employment of such person by the insured.

(ii) Property damage other than property belonging to the insured or held in trust or in the custody or control of the policyholder.

Liability to Third Parties

The company shall indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the policyholder shall become legally liable to pay with regards to:

(i) Death of or injury to any individual, including vehicle occupants (provided they are not carried for hire or reward), but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the insurer shall not be liable where such demise or injury arises out of and in the course of the employment of such person by the insured.

(ii) Property damage to the tune of maximum Rs. 7,50,000/- other than property of the insured or held in trust or in the custody or control of the insured.

Personal Accident Cover for Owner-Driver

The insurer shall pay compensation up to a limit of Rs. 2 lakhs (as per the following scale) for injury/death of the owner-driver of the vehicle, in direct connection with the vehicle covered or while driving or mounting into/dismounting from the vehicle insured or while travelling in it as a co-driver, caused by violent, external, accidental and visible means, which independent of any other cause, shall within 6 calendar months of such injury result in:

Nature of Injury	Scale of Compensation
Death	100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from injuries other than named above	100%

Source: Sales Literature of Zuno (Edelweiss) Private Car Liability Only Insurance and Private Car Package Insurance.

Health Insurance

Zuno (Edelweiss) Health Insurance Policy comes in three variants - Silver Plan, Gold Plan and Platinum Plan.

Particular \ Variant Sum Insured (Rs. in Lakh)	Silver 1, 2, 3, 4, 5	Gold 5, 7.5, 10, 15, 20	Platinum 15, 20, 50, 75, 100
Minimum entry age	3 months
Maximum entry age	65 years	65 years	Any age
Maximum age at renewal	Lifelong renewability
Policy term	1 year / 2 years / 3 years
Premium payment options	Single
Family floater combinations	1 Adult + 1 Child 1 Adult +2 Children 1 Adult + 3 Children 2 Adults, 2 Adults + 1 Child 2 Adults + 2 Children 2 Adults + 3 Children
Individual Policy	Maximum of 8 members can be covered under a single individual type policy
Maximum members under a single Individual policy and Who can be covered?	The 8 members can be a combination of self, spouse, dependent children and dependent parents and dependent parent-in-laws, sister, brother, grandmother and grandfather or any other relationship having an insurable interest.

Source: Zuno (Edelweiss) Health Insurance Prospectus

Home Insurance

Long Term Home Insurance covers all the properties that are normally exposed to the risk of fire and allied perils along with a wide scope of cover for assets against a number of natural and man-made perils.

Eligibility

This Policy is designed for:

Individuals living in flats or independent houses provided that the external walls are of /stone/concrete blocks/burnt bricks and RCC/RBC/tiles/ACC roof.
Multi-year Policy can be availed by house/flat owners only wherein coverage for building only for a period of 3 to 30 years.

Covered Accidents:

Fire: Excluding destruction or damage caused to the property by:
- Its own fermentation, natural heating or spontaneous combustion
- It going through any heating or drying process b. Burning of insured property on the order of a public authority.
Lightning
Explosion/Implosion: Excluding loss, destruction of or damage:
- To boilers (other than domestic boilers), economizers or other vessels, machinery or apparatus (where steam is generated) or their contents resulting from their own explosion/implosion,
- Caused by centrifugal forces.
Aircraft Damage: Loss, destruction or damage caused by aircraft, other aerial or space devices and articles dropped there from excluding those caused by pressure waves.
Riot, strike and malicious damage: Loss, damage or destruction by violent means, directly caused to the covered property, but excluding those caused by:
- Complete or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind.
- Permanent or temporary dispossession of any building or plant or unit or machinery due to the unlawful occupation by any individual of such building or plant or unit or machinery or prevention of access to the same.
- Permanent or temporary dispossession as a result of confiscation, commandeering, requisition or destruction by government order.
- Burglary, housebreaking, larceny, theft, or any such attempt or any omission of any kind of any person in any malicious act.
Storm, typhoon, tempest, cyclone, hurricane, tornado, flood and inundation: Loss destruction or damage caused by cyclone, tempest, typhoon, storm, hurricane, flood or inundation, with the exception of those due to volcanic eruption or other convulsions of nature.
Impact Damage: Loss of or visible damage or destruction caused to the property covered as a result of impact by any rail/road vehicle or animal by direct contact not belonging to or owned by:
- The policyholder or any occupier of the premises or
- Their employees while acting in the course of their employment
Subsidence and Landslide including rock slide: Loss, destruction or damage directly caused by subsidence of part of the site on which the property stands or Landslide/Rockslide excluding:
- The normal cracking, settlement or bedding down of new structures
- Construction, demolition, structural alterations or repair of any property or groundwork or excavations
- The settlement or movement of made up ground
- Coastal or river erosion
- Defective design or workmanship or use of defective materials
Bursting and/or overflowing of apparatus, water tanks and pipes.
Missile testing operations.
Leakage from automatic sprinkler installations, excluding loss, destruction or damage caused by
- Repairs or alterations to the buildings or premises
- Defects in construction known to the policyholder
- Repairs, removal or extension of the sprinkler installation
Bush fire, excluding loss, destruction or damage caused by forest fire

Source: Long Term Home Insurance Prospectus

Loan Protection

Loan Care Policy provides security against liabilities/loan in any uncertain event of specified various major medical illness and procedures, death due to accident, permanent total & permanent partial disability. This policy takes care of loan repayment for 3 months in the event of job loss. Similarly, it comes with child education benefit that will assist the insured take care of his or her child’s studies.

With Loan Care, an individual will get cover for critical illness and personal accident. The policy provides comprehensive coverage for up to 25 major medical illness and procedures. An individual can choose from different plans, namely Standard-9, Enhance-12, Premium-15, Elite -18 and Ultima-25 Major Medical Illness and Procedures. If the insured contracts any of the said illnesses during the policy period, the company shall pay the sum insured. Personal Accident Benefits covers the policyholder up to the sum insured mentioned in the policy documents, towards payment of his/her loan resulting from an injury arising out of an accident, sustained during the policy tenure, resulting in death or permanent total disability or permanent partial disability, as the case may be, within 12 months of the occurrence of such injury.

Source: Loan Care Prospectus

Health Insurance Plans in June 2025

Tab 1

Tab 2

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Reliance General Insurer

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

Buy Health Insurance Plans as Per Your Need

Health Insurance Plans By Zuno

Zuno Gold Policy

Zuno Platinum Policy

Zuno Silver Policy

Procedure of Buy Policies from Zuno General Insurance Ltd.

Online mode

Under the online route, an applicant simply has to visit the official website of Zuno (Edelweiss) General Insurance to purchase a policy. To buy car insurance, the individual will have to input certain details of his or her vehicle, like variant, fuel type, NCB percentage, etc. Once all the information is entered, the applicant needs to click on ‘I’m Done’. This will take the user to the policy options available. After determining which policy is the best fit, click on the ‘Quick Buy’ button against it and proceed to make premium payment. In case of health insurance, the applicant will have to mention details of self and family, along with the sum insured required. Once this is done, select the ‘Quick Buy’ button of the insurance policy that is the best suited and proceed to make the premium payment.

Offline mode

An applicant can also visit one of the branches of Zuno (Edelweiss) General Insurance Ltd. to avail an insurance policy. Here, the individual needs to ensure that he or she carries all the relevant documents while heading to the insurer’s office. Post submission of these documents and payment of premium, the individual will be extended the policy.

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Types of Insurance Offered by Coverfox

Car Insurance

Two Wheeler Insurance

Health Insurance

Term Insurance

Achievements and Awards of Zuno General Insurance Ltd.

The achievements and awards of Zuno (Edelweiss) General Insurance Ltd. are as follows:

SAP ACE Award 2018 Special Recognition
SAP - Process Innovation 2018 Game Changing 'SAP Cloud For Insurance' Showcase
MINT - SAP Digitalist Award 2018 Rama - Digitalist 2018

FAQs on Zuno General Insurance Ltd.

What are the products offered by Zuno (Edelweiss) General Insurance Ltd.?

The product offerings of Zuno (Edelweiss) General Insurance Ltd. include Motor Insurance, Health Insurance, Home Insurance and Loan Protection.

How to download claim forms of Zuno (Edelweiss) General Insurance?

An individual can download the claims form through the website of Zuno (Edelweiss) General Insurance. First, the policyholder will need to select the ‘Claims’ button that appears at the top - this will direct the user to the Claims page. On scrolling down, there will be an option to ‘Download claim forms’ for Motor Insurance, Health Insurance, Home Insurance and Loan Protection. Choose the relevant section and click on the ‘Download’ button.

What is the claim process of Zuno (Edelweiss) General Insurance?

To make a claim with Zuno (Edelweiss) General Insurance, the following steps need to be followed:

Get in touch with Zuno (Edelweiss) General Insurance by dialling 1800 12000 or dropping an email to support@edelweissinsurance.com, stating the details of the claim.

Send the scanned documents to support@edelweissinsurance.com and mail the originals.

Mail the claim documents to Claims Desk – Zuno (Edelweiss) General Insurance Company Limited, 5th Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Mumbai, Maharashtra – 400070

How long will Zuno (Edelweiss) General Insurance take to settle motor insurance claims?

Once the insured has submitted the necessary documents, the company will attempt to settle the claim within 7 working days.

How to avail cashless facility under Zuno (Edelweiss) Health Insurance Policy?

To avail the cashless facility under Zuno (Edelweiss) Health Insurance Policy, an individual simply has to show his or her health card at any of the network hospitals.

What is the minimum duration for long term home insurance?

The minimum duration for Edelweiss General Insurance's long term home cover is 3 years.

What are the additional covers available with Long Term Home Insurance?

By paying extra premium on Long Term Home Insurance, an individual can avail additional cover for:

Earthquakes
Fees for architects, surveyors and engineers (up to 3% of total insured amount)
Cost of debris removal after damage (up to 1% of total insured amount)
Additional rent needed when alternative accommodation is required
Acts of terrorism
Impact damage due to own road or rail vehicles, forklifts, cranes, stackers, and any material dropped from them
Loss of rent
Damage to additional machinery, plant or building that may be acquired in the future

How many members can be covered under Zuno (Edelweiss) Health Insurance Policy?

Edelweiss health insurance policy allows coverage for up to 8 members.

Where are the offices of Zuno (Edelweiss) General Insurance Ltd. located?

Zuno (Edelweiss) General Insurance Ltd. has offices in Mumbai, Bangalore, Delhi, Kolkata, Pune, Ahmedabad, Chennai, Goa and Hyderabad.

What is the toll-free number of Zuno (Edelweiss) General Insurance?

The toll-free number of Zuno (Edelweiss) General Insurance is 1800 12000.

Customer Reviews

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Zuno General Insurance: Buy/Renew Insurance Policies Online

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