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Navi Health Insurance is offered by Navi General Insurance Limited, an IRDAI-registered general insurance company (Registration No. 155). The insurer offers health insurance products for individuals, families, and customers looking for higher medical coverage through comprehensive and top-up plans. Built around a digital-first experience, Navi enables policy purchase, renewals, and eligible cashless claim approvals through its mobile app, with health insurance coverage of up to ₹1 crore.
The Navi features available depend on the selected Health Insurance policy.
Sum insured from ₹2 lakh to ₹1 crore across eligible health insurance plans.
12,000+ cashless network hospitals across India.
Cashless claim approval in as little as 20 minutes for eligible claims submitted through the Navi app.
100% hospital bill settlement for eligible cashless claims, subject to policy terms.
Digital policy purchase and servicing through the Navi app with minimal documentation.
Unlimited online doctor consultations available through the Navi health platform.
Annual health check-ups under eligible health insurance plans.
Lifetime renewability available on eligible policies.
Pre and post-hospitalisation expenses, daycare procedures, AYUSH treatment, ambulance charges, and domiciliary treatment available under eligible plans.
Tax benefits under Section 80D of the Income Tax Act on eligible premiums.
| Plan | Suitable For | Key Highlights |
|---|---|---|
| Navi Health Insurance | Individuals and families | Comprehensive health insurance with sum insured from ₹2 lakh to ₹1 crore, cashless treatment at 10,000+ hospitals, unlimited online doctor consultations, annual health check-ups, automatic restoration of the sum insured, and lifetime renewability under eligible policies. |
| Navi Smart Health Insurance | Individuals and families looking for higher-value digital health cover | Sum insured from ₹2 lakh to ₹1 crore, digital policy issuance, fast cashless claim approvals through the Navi app, wellness benefits, and comprehensive hospitalisation coverage. |
The availability of add-ons depends on the plan selected and the policy terms.
Pays a lump sum if the insured is diagnosed with a covered critical illness, subject to policy conditions.
Covers maternity-related hospitalisation expenses of up to ₹30,000 for up to two deliveries or lawful termination of pregnancy after the applicable waiting period.
Covers hospitalisation expenses of up to ₹10,000 for a newborn within 90 days of birth.
Pays up to ₹5 lakh towards emergency transportation by air ambulance.
Navi Health Insurance is designed for customers who prefer a digital-first insurance experience without compromising on comprehensive health coverage.
Buy a health insurance policy online in just a few minutes through the Navi app with a completely paperless process.
Eligible cashless claims are approved in as little as 20 minutes, helping reduce delays during hospital admission.
Purchase, renew, download policy documents, raise claims, and track claim status from a single platform.
The base hospital bill coverage is automatically reinstated once in every policy year after it is exhausted, subject to policy terms.
The policy includes an additional hospital bill cover for specified vector-borne diseases without reducing the base hospital bill coverage.
Choose a sum insured that matches your healthcare needs, with options available for both individuals and families.
Buying a Navi Health Insurance policy through Coverfox is simple and completely online.
Step 1: Visit the Coverfox website or mobile app and navigate to the Navi Health Insurance page.
Step 2: Enter details such as the insured members, age, city, and the preferred sum insured.
Step 3: Compare the available Navi Health Insurance plan options, coverage, benefits, and premium.
Step 4: Select the policy that best suits your healthcare requirements and complete the online proposal form.
Step 5: Make the premium payment through the available payment options.
Step 6: Once the purchase is successful, your policy documents will be shared digitally for instant access.
Need Assistance?
If you need help selecting the right sum insured, understanding policy benefits, comparing plans, or completing your purchase, the Coverfox team can guide you through every step of the buying process.
Navi Health Insurance offers access to a wide cashless hospital network across India, making it easier to receive treatment without paying eligible hospital expenses upfront.
12,000+ cashless network hospitals across India.
Search nearby network hospitals using your PIN code on the Navi website before planned hospitalisation.
Cashless treatment is available only at hospitals that are part of Navi's active network and is subject to policy terms and claim approval.
If treatment is taken at a non-network hospital, eligible expenses can be claimed through the reimbursement process after submitting the required documents.
If you need assistance with your policy, claims, or renewals, you can contact Navi Health Insurance through the following channels:
| Support Channel | Details |
|---|---|
| Customer Care | 1800 123 0004 |
| insurance.help@navi.com | |
| Grievance Email | grievance@navi.com |
| Website | Navi Health Insurance |
| Network Hospital Search | Available online by entering your PIN code. |
| Support Services | Policy purchase, renewals, policy downloads, claim registration, claim tracking, and network hospital search are available through the Navi app and website. |
Choosing Coverfox gives you the flexibility to compare Navi Health Insurance with other leading health insurers before making a decision.
Evaluate Navi Health Insurance alongside multiple insurers based on coverage, premium, waiting periods, and benefits.
Get quotes from different insurers to find a policy that fits your healthcare needs and budget.
Our insurance advisors help you understand policy features, exclusions, add-ons, and waiting periods before you buy.
Buy your policy online with a simple and hassle-free process.
Receive timely reminders and assistance to renew your policy without a break in coverage.
The Coverfox team can assist you with claim-related queries and help you understand the documentation and claim process.
Disclaimer: The information on this page is provided for general informational purposes only. Policy features, benefits, premiums, waiting periods, add-ons, network hospitals, and exclusions are subject to change at the discretion of Navi General Insurance Limited. Please refer to the latest policy wording, prospectus, and customer information sheet before purchasing or renewing a Navi Health Insurance policy.
Navi Health Insurance covers eligible in-patient hospitalisation, pre- and post-hospitalisation expenses, daycare procedures, emergency road ambulance, domiciliary treatment, AYUSH treatment, wellness benefits, and other covered medical expenses, depending on the policy selected. Certain plans also include automatic restoration of the hospital bill coverage and no room rent restriction for a single private room.
Navi Health Insurance offers no mandatory co-payment on eligible hospitalisation expenses under its standard retail health insurance policy. This means the insurer pays the admissible claim amount as per the policy terms, subject to exclusions and limits.
Yes. Pre-existing diseases can be covered after the applicable waiting period, provided they are disclosed at the time of purchasing the policy and accepted during underwriting. The exact waiting period is mentioned in the policy schedule.
A standard 30-day initial waiting period applies for most illnesses. Pre-existing diseases have a waiting period of up to 3 years, while specific illnesses are covered after the waiting period specified in the policy schedule. Accidental hospitalisation is covered from day one.
Navi Health Insurance combines comprehensive health cover with a digital-first experience. It offers cashless treatment at 12,000+ network hospitals, quick policy issuance, digital claim tracking, and eligible cashless claim approvals in as little as 20 minutes through the Navi app.
Adults aged 18 to 70 years can purchase the policy. Children can be covered from 91 days of age, while dependent children are eligible up to the age specified under the policy terms.
Navi Health Insurance offers multiple sum insured options ranging from ₹2 lakh to ₹1 crore, allowing policyholders to choose a coverage amount that suits their healthcare needs and budget.
Premiums paid for Navi Health Insurance qualify for tax deductions under Section 80D of the Income Tax Act, 1961, subject to the applicable provisions and limits prescribed under the law.
