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icon Health Insurance icon Navi Health Insurance

Navi Health Insurance

The necessity and benefits of health insurance cannot be ignored in today’s times when everyone is at risk irrespective of age or location. A medical emergency can arise suddenly and unexpectedly. Health insurance helps in such a situation by providing financial coverage against medical expenses due to an accident, illness or injury. Navi general insurance offers a variety of health insurance plans to match the needs of all kinds of customers. Navi health insurance plans are affordable, customizable, provide wide coverage and give tax benefits also.

  • The incurred claim settlement ratio of Navi Health Insurance for F.Y. 2021 - 22 is 62.12%.

Buy Health Insurance Plans as Per Your Need

5 Lakh Health Insurance Cover 10 Lakh Health Insurance Cover 20 Lakh Health Insurance Cover 1 Cr Health Insurance Cover

Types of Navi Health Insurance Plans

01 Navi Cure

It is a comprehensive health insurance plan available on both individual and family floater basis. It offers 24 benefits to choose from. A policyholder can opt for any number of benefits depending on his requirement and budget. It is available for 1, 2 or 3 years. Some of the benefits offered are in-patient hospitalisation, day care treatment, pre and post hospitalisation expenses, domiciliary hospitalisation, COVID hospitalisation, hospital daily cash etc. It offers lifetime renewal without any medical check-up on each renewal. The sum insured can be reinstated on exhaustion for every policy year. It also offers ‘extra care’ cover which is an additional sum insured for hospitalisation due to vector-borne diseases.

02 Saral Suraksha Bima

It is a personal accident cover available on an individual basis or on a family floater basis. The policy has a term of 1 year and is renewable for life. It has in-built policy benefits like death cover, permanent total disablement cover and permanent partial disablement cover. Some optional covers are also available like temporary total disablement, hospital expenses due to accident and education grant.

03 Navi Health Insurance

  • Navi Health Criticare

    It is a critical illness cover which pays a lump sum amount to the insured. It is available on an individual basis or on a family floater basis. It offers 16 coverages including 41 critical illnesses and takes care of the total well being of the insured. The policy can be issued for 1, 2 or 3 years.

  • Navi Health Super Top-Up

    It is an aggregate deductible policy that helps in increasing the sum insured at a lower cost. This policy is most suited for anyone who wants to enhance their individual health insurance sum insured or someone who wants to enhance employer’s health coverage. It offers 11 base covers and 7 optional covers. The policy can be issued for 1,2 or 3 years.

  • Navi Health HospiCash

    It covers ancillary expenses during hospitalisation and pays a fixed amount for each day of hospital stay. The policy has 3 plans according to the number of hospitalisation days. The policy is available on individual, family floater and family non-floater basis.

  • Navi Health Seasonal Byte

    It provides coverage against vector borne diseases such as dengue, malaria, chikungunya etc. This policy can be indemnity based or benefit based as per the choice of the insured. It provides coverage for inpatient treatment, homecare treatment and OPD treatment.

  • Corona Rakshak Policy

    It is a benefit based policy that provides covid cover by paying a lump sum amount equal to sum insured on testing positive for Covid-19. It requires hospitalisation of minimum 72 hrs. The policy is available on an individual sum insured basis only for a term of 3.5 months, 6.5 months and 9.5 months.

  • Corona Kavach Policy

    It is an indemnity based Covid cover that protects against hospitalization expenses. It requires a minimum 24hrs hospitalisation. It is available as an individual or family on an individual sum insured basis or a family floater basis. It has been made mandatory by IRDAI.

  • Aarogya Sanjeevani Policy

    It is a standard health insurance policy made mandatory by IRDAI and provides basic health coverage. Navi Arogya Sanjeevani Policy available on individual or family on individual sum insured or family floater basis.

  • Group Health Insurance Plans

    Navi health insurance also offers a number of group health insurance plans for family, employees and their families. These plans provide coverage against accidents, hospitalisation, critical illness, seasonal illness and ancillary expenses. These plans are Navi health group critical surgery, Navi health group seasonal byte, and Navi health group hospicash.

Popular Insurance

Popular Health Insurance Plans

Corona Kavach Policy
Corona Kavach Policy
Corona Rakshak Policy
Corona Rakshak Policy
Arogya Sanjeevani Policy
Arogya Sanjeevani Policy
Individual Health Insurance
Individual Health Insurance
Family Floater Insurance
Family Floater Insurance
Group Health Insurance
Group Health Insurance
Critical Illness Insurance
Critical Illness Insurance
Personal Accident Insurance
Personal Accident Insurance
Maternity Health Insurance
Maternity Health Insurance
Health Insurance for Senior Citizens
Health Insurance for Senior Citizens
Women Health Insurance
Women Health Insurance
Cancer Insurance
Cancer Insurance
Cashless Health Insurance
Cashless Health Insurance

Features of Navi Health Insurance Plans

No medical check-up
No Medical Check-up
No medical check-up is required on renewal of policy.
Renewable for Lifetime
Renewable for Lifetime
Navi health insurance plans are renewable for lifetime for adults and for dependent children it is renewable upto 30 years.
copayment waived off
Copayment
An insured person below 61 years can get the mandatory copayment waived off.
Sum insured
Sum Insured
Sum insured is reinstated if it is exhausted during the policy term.
Room Rent
Room Rent
An insured person can seek hospitalisation without any limit on room rent.
No Claim Bonus
No Claim Bonus
A cumulative or No Claim Bonus is offered for every policy term without any claim.

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Exclusions in Navi Health Insurance Plans

Alcohol or drug abuse
Breach of law with criminal activity
War or nuclear exposure
Cosmetic or plastic surgery
Hazardous or adventure sports
External Congenital anomaly
Physical developmental disorders
Change of gender treatments
Non-allopathic treatments
Obesity or Weight control treatment
View More +

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मेडिक्लेम पॉलिसी
मेडिक्लेम पॉलिसी
स्वास्थ्य बीमा
स्वास्थ्य बीमा

Claims Procedure

Claim Intimation

Claim Intimation

In case of planned hospitalisation, claim should be notified to the TPA in writing, at least 48 hrs before admission to the hospital. In case of emergency hospitalisation, it should be notified within 24 hrs of hospitalisation. Details required at the time of claim notification are Policy number, Health card ID number, date of admission, Name of the insured, details of illness or injury, Details of medical practitioner and hospital.
Cashless Facility

Cashless Facility

It is available only at the network hospitals. The insured needs to provide the health card, photo Id and cashless request form to the hospital. Hospital then submits a pre-authorisation request to the TPA. TPA approves the request within 3 hrs of receiving the documents. The hospital issues a final authorisation request on discharge and discharge is done on approval of the request.
Reimbursement Facility

Reimbursement Facility

A reimbursement claim should be submitted to TPA within 15 days from the date of discharge. Documents that are required for a reimbursement claim are duly filled claim form, discharge note, hospital bills and reports, kyc documents and cancelled cheque for NEFT payment.

Benefits of Buying Navi Health Insurance from Coverfox

Coverfox simplifies the whole process of buying health insurance, keeping your requirement and age in mind and finding you the best suited plan. It also helps in the claim process. Makes the renewal process quick and easy. Provides genuine customer reviews. Saves your time and effort by providing the right information.

Written By: Coverfox - Updated: 5th January, 2023.
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Frequently Asked Questions

  • Q. What is not covered under Navi Health Insurance?
    • The below type of medical expenses are not covered under Navi Health Insurance:

      • Rest cure, rehabilitation and respite care
      • Obesity and weight control treatments
      • Investigation and evaluation medical expenses
      • Change of gender treatments
      • Hospitalization caused due to participation in hazardous or sports activity
      • Cosmetic or plastic surgery
  • Q. Is Navi Health Insurance cashless
    • Yes, with Navi Health Insurance, you can get cashless health cover at 10,000+ network hospitals.

  • Q. How do I pay for Navi Health Insurance online?
    • You can pay for Navi Health Insurance online through the Navi app or their website

  • Q. What are the benefits of Navi Health Insurance?
    • Few of the benefits of Navi Health Insurance includes: Paperless process, cashless claims, and payment of premium on a monthly basis.

  • Q. What is the claim settlement ratio of Navi Health Insurance?
    • Navi Health Insurance has claim settlement ratio of 97%

  • Q. How can I claim for Navi Health Insurance?
    • To claim Navi Health Insurance, you can call to 1800 123 0004 or write email at insurance.help@navi.com

  • Q. What is the maximum coverage amount offered by Navi Health Insurance?
    • The maximum coverage amount offered by Navi Health Insurance is Rs. 1 crore

  • Q. What is the renewability of Navi Health Insurance?
    • Navi Health Insurance offers lifetime renewability

  • Q. Does Navi Health Insurance cover mental disorders and infertility treatments?
    • No, Navi Health Insurance does not provide cover for mental disorders and infertility treatments

  • Q. What is the initial waiting period under Navi Health Insurance?
    • The initial waiting period under Navi Health Insurance is 30 days

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