Navi General Insurance

Navi general insurance, previously known as DHFL general insurance Ltd, is a 100% owned venture of Navi Technologies. The company started its business operation in November 2017. With a customer base of more than 1.1 million, Navi insurance is a technology driven and customer centric company that offers health, property, motor, commercial and gadget insurance products. The word “Navi” meaning newness represents a futuristic brand focusing on innovation and growth in a digital world.

Navi general insurance’s mission is to provide a seamless user-experience keeping customer’s interest as their priority. The company focuses on making the insurance buying process a pleasant, transparent and a simple experience for their customers. It understands the unique requirements of the new-age customers and offers affordable products to meet these requirements.

Navi insurance offers a wide range of general insurance products. It offers various plans under the acronym COCO which means Connected Coverage. COCO by Navi general insurance is an integration of insurance coverage with digital connectivity and simplifies the process of buying insurance with the help of algorithms and new age technology.

Navi Health insurance plans offer coverage for healthcare and treatment costs incurred during medical emergencies such as hospitalisation, surgery, critical illness, etc. Customers can buy health insurance in just 2 minutes using the Navi Health app through a paperless process.

Key Features

• Customizable health insurance plans ranging from 2 lakhs to 1 crore available for individuals and families.
• It has a network of 10,000+ hospitals across 400+ locations in India.
• It has a claim settlement ratio of 97% with most cashless claims being approved in 20 mins.
• Reimbursements are also available for out of network hospitals with claim settlement within 4 hours on complete documentation.
• Customers can make multiple claims in a year upto the upper limit of sum insured.
• Lifetime renewal is available without the need of a medical check-up on each renewal.
• It’s comprehensive health insurance, Navi Cure covers 20 benefits like in-patient hospitalisation, pre and post hospitalisation costs, Covid hospitalisation, day care procedures, vector borne diseases, critical illness, maternity and newborn baby cover.
• Recently, Navi insurance has introduced a subscription based health insurance where customers can pay a monthly EMI, instead of an annual premium.

List of Health Insurance Plans by Navi General Insurance

Navi insurance offers both bike and car insurance plans for its customers. It offers three types of motor insurance plans which are third-party plans, comprehensive package plans and own damage only plans for both cars and bikes.

Key Features

• The company offers motor insurance at affordable premiums, car insurance starting from Rs. 2072/year and bike insurance starting from Rs. 482/year.
• It has a network of 1100+ garages across the country where policyholders can get cashless repairs done.
• In case the repair is done in a non-network garage, the company provides reimbursement on submission of repair bills.
• It has a claim settlement ratio of 76.2% and a digital claim support available 24/7.
• It allows its policyholders to make unlimited claims.
• It offers various add-on covers like zero depreciation, roadside assistance, NCB protection, return to invoice etc.
• The company offers plans for bikes under the name COCORide and plans for cars under the name COCODrive.

List of Motor Insurance Plans by Navi General Insurance

Navi Insurance provides home insurance to protect a customer against natural and man-made damage to his home. It is crafted keeping in mind the geography, home size and risk profile of the policy holder and covers any damage or property loss due to, fire, flood, lightening, terrorism etc. The company offers a Navi bharat griha raksha policy for any residential property.

Key Features

• The company offers coverage for home building and home contents. Additional coverage can be purchased for valuables and personal accidents.
• The sum insured for the home building is the cost of construction at the policy commencement date and for home content it is 20% of the sum insured of home building.
• It covers loss of rent or rent for alternative accommodation in case of damage.
• It covers removal of debris and cost of surveyor, architect and engineer.

Navi general insurance offers travel insurance for both domestic and international travel. It provides coverage against hospitalisation, baggage loss, passport loss etc. It is available for students, businessmen, tourists etc. It provides a Navi health group travel insurance plan which is a group travel insurance policy covering medical expenses, loss or damage during a trip such as passport loss, baggage loss, flight cancellation, personal liability and other assistance.

Health Insurance

For Cashless Hospitalization - Show your health insurance card with a valid Id at a network hospital to avail of cashless hospitalisation. For a planned hospitalization, the policyholder should inform the network provider 48 hrs before admission to the hospital. A pre-authorization form is submitted by the network provider to the authorization department with contacts of Insured and the medical practitioner. Authorization is granted within 3 hrs of receiving the documents. Even in case of emergency admission authorization is required within 24 hrs of admission. The policy holder needs to pay a token amount which is reimbursed once the authorisation is granted.

For Reimbursement Claim - A duly filled claim form needs to be submitted to the TPA along with claim documents within 15 days of the discharge. The claim documents include discharge summary, Hospital bills and receipts, all medical reports, pharmacy bills, payment details and id proofs.

Motor Insurance

For Cashless Claim - Register your claim either through app or email or by calling. Take your vehicle to a network garage and carry the completed and signed claim form with the claim documents. The claim documents include vehicle registration certificate, driver’s license, Police report in case of damage or theft and KYC documents if the claim amount exceeds 1 lakh. After receiving all documents and analysing the loss, a surveyor issues a work order. After the repair work is done, a bill is provided and a claim amount confirmation (CAC)is issued by the insurer and the claim amount is disbursed to the garage within 7 working days.

For Third-Party Claim - After claim registration and documentation, MACT(Motor Accident Claim Tribunal) decides the claim amount based on legal proceedings.

• Visit Coverfox.com or download our app.
• Select the type of insurance you need.
• Enter the required details such as your name,gender, age or your vehicle registration number.
• Select Navi general Insurance from the list of companies
• Select from all the available plans, compare them and customise them if you need.
• Choose the best quote and make the payment online.
• Your policy will be generated and sent to your inbox instantly.

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