Navi Health Insurance

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio86.98%
COVID-19 CoverYes
Network Hospitals10,000+
Policies Sold48,035
RenewabilityLifelong

About Navi

Navi General Insurance (formerly known as DHFL General Insurance) is a wholly-owned subsidiary of Navi Technologies, which was incorporated on July 5, 2016, and started operating in November 2017. Catering to the varied requirements of customers, the insurer offers a wide range of health, property, motor, gadget, and commercial insurance solutions at affordable premiums. Promoted by Sachin Bansal, the Co-Founder of Flipkart, the company aims to make insurance solutions simpler, more accessible, and more affordable for all.

Navi General Insurance provides you with a health cover of up to Rs 1 Crore instantly through a completely paperless process. It offers 20+ benefits including cashless hospitalization, pre-hospitalisation, and post-hospitalization, in-patient hospitalization, hospitalization at home cover, COVID-19 cover, daycare treatment, vector-borne disease cover, no room rent capping, no co-payment, optional critical illness cover, optional maternity cover, etc. The company has the vision to use cutting-edge technology to design and offers its insurance solutions so that they meet the requirements of the new-age customers. Whereas, it works towards a mission of simplifying insurance so that every person can enjoy financial security offered in the form of insurance policies.

Top Navi General Insurance Plans

Navi General Insurance plans come at affordable premiums and offer you several coverage features. Here are the top health insurance plans offered by Navi General Insurance:

  • Navi Cure Policy: Navi Cure policy by Navi General Insurance is an affordable, comprehensive, and A-La-Carte policy that can tailor to you and your family’s healthcare requirements. The policy offers unmatched flexibility to add or remove members covered. The policy comes with a wide sum of insured options ranging between Rs. 2 lakh and Rs. 1 crore which you can choose as per your requirement. Under the policy, you can cover yourself, your spouse, kids, parents, and parents-in-law as well. The policy offers several benefits such as wellness rewards including a health helpline, free health check-up, health risk assessment, no first 30 days waiting period, in-built counseling feature, etc.
  • Navi Coco Seasonal Byte Policy: Coco Seasonal Byte policy covers you for medical expenses in case you get diagnosed with seasonal illnesses including malaria, swine flu, chikungunya, dengue, etc. The policy covers you against pre-hospitalisation expenses, post-hospitalisation expenses, road ambulance expenses, home care treatment expenses, OPD consultations including AYUSH, in-patient treatment treatments for AYUSH systems of medicines, etc. The policy is available with sum insured options ranging between Rs. 2,500 and 2 lakh if purchased on an indemnity basis and for sum insured options ranging between Rs. 2,500 and Rs. 10,000 if purchased on a fixed benefit basis. It is an indemnity as well as benefit based policy that provides you complete freedom from seasonal ailments. Note that 15 days waiting period is applied from the date of commencement of the policy.
  • Navi Arogya Sanjeevani Policy: Arogya Sanjeevani Policy offered by Navi General Insurance covers people aged between 18 years and 65 years and kids aged between 3 months and 25 years. The policy comes with sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh in multiples of Rs. 50,000 and offers the insured several coverage benefits. These include cover for daycare treatment, cataract treatment, pre-hospitalisation and post-hospitalisation treatment, hospitalisation expenses, cover for modern treatment expenses, etc. Other benefits include cover for road ambulance expenses, a grace period at the time of renewal, coverage for the entire family, no requirement of pre-policy medical check-up, The policy offers lifetime renewability benefits as well as tax benefits under Section 80D of the Income Tax Act, 1961.
  • Navi Corona Kavach Policy: Corona Kavach Policy offered by Navi General Insurance is a short-term policy that covers people aged between 1 day and 65 years for policy terms of 3.5 months (105 days), 6.5 months (196 days), and 9.5 months (285 days). It covers people against hospitalisation upon positive diagnosis of COVID-19. The policy can be purchased for sum insured options ranging between Rs. 50,000 and Rs. 5 Lakh, in multiples of Rs. 50,000. The policy offers cover against in-patient treatment expenses, ambulance expenses, 15 days pre-hospitalisation expenses, 30 days post-hospitalisation expenses, home care treatment, and AYUSH in-patient treatment. Available on an individual or family floater basis, the policy can cover self, spouse, parents, parents in law, and dependent children.
  • Navi Corona Rakshak Policy: Corona Rakshak Policy offered by Navi General Insurance is a benefit-based policy that offers cover against COVID-19. It covers people aged between 18 years and 65 years for sum insured options ranging between Rs. 50,000 and Rs. 2.5 lakh in multiples of Rs. 50,000. The policy provides a lump sum amount on positive diagnosis of COVID-19, if the treatment requires continuous hospitalisation of 72 hours. Available on both individual and floater sum insured basis, this is a short-term policy that can be purchased for 3.5 months (105 days), 6.5 months (196 days), and 9.5 months (285 days). Another highlight of the policy is that it requires no pre-policy medical check-ups to be covered under it.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A super top-up policy is like an extension of a regular health insurance plan that covers you against claims for cumulative medical expenses during a policy term once the deductible amount has been exceeded. This means the plan kicks in only when you have used the maximum claim amount or are likely to pay some amount from your own pocket.

Navi General Insurance offers a super top-up policy named CocoCure Super Top-Up Policy. The policy is available with a wide range of sum insured options that range between Rs. 3 Lakh and Rs. 1 crore. The policy is designed to offer 11 core coverages and 7 optional coverages. The core coverages include in-patient hospitalisation, daycare treatment, pre-hospitalisation, post-hospitalisation expenses, domiciliary expenses, organ donor expenses, AYUSH treatment, ReCover, and EmPower.

Why Choose Navi General Insurance?

There are several reasons why people choose Navi General Insurance plans:

  • Good Claim Settlement Ratio (CSR): Navi General Insurance has an impressive Claim Settlement Ratio of 86.98% for the financial year 2019-20. This shows that the insurance company handles the claims of the insured individuals, thereby keeping them stress-free at all times.
  • Wide Network Hospitals: Navi General Insurance has a strong network of more than 10,000 hospitals where you can avail yourself of cashless treatment without paying anything at the hospital. Note that you will be covered only for the treatments specified under your health insurance plan.
  • Diligent Customer Support Team: Navi General Insurance has a helpful customer support team to answer all your queries or grievances so that you understand, appreciate, and enjoy insurance. You can talk to them on their toll-free number, write to them via mail, visit the nearest branch, or write a letter in case of any query.
  • Easy And Quick Claim Settlement: Navi General Insurance offers a smooth and hassle-free claim settlement process to the policyholders, thereby keeping them at peace. It ensures cashless claim approval in 20 minutes and reimbursement claim approval in 4 hours.
  • Ease of Buying: The insurer allows you to buy health insurance in 90 seconds from the NaviHealth App. It ensures a paperless process with instant policy generation. Also, there is no medical check-up required to buy health insurance plans offered by Navi General Insurance.

Benefits of Navi General Insurance Plans

Navi General Insurance plans offer the following benefits to the policyholders:

  • No Pre-Policy Medical Check-Up Required: One of the benefits of buying Navi General Insurance policies is that there is no need of getting a pr-policy medical check-up to be covered under them.
  • No Copayment for Lifetime - The insurer offers a complete cover of eligible treatment expenses for members who are below 61 years of age at the time of first purchase of the policy.
  • No Limit on Room Rent - Under health insurance plans offered by Navi General Insurance, you can seek hospitalisation in a single or shared room without any limit on room rent.
  • Free Refill of Cover Amount - If the original cover amount gets exhausted in a policy year, then the insurer provides you an instant refill of 100% of the cover amount which can be used again for hospitalisation.
  • Cumulative Bonus: Navi General Health Insurance plans offer a cumulative Bonus or No Claim Bonus (NCB) for every year a claim is not made.
  • Lifetime Renewability Guaranteed: Navi General Health insurance plans offer lifetime renewability benefits to the policyholders. This means that there is no age limit for policy renewal.

Navi General Insurance Claim Settlement Ratio

Claim Settlement Ratio, also known as CSR is the ratio of the claims settled by an insurance company against the total number of claims received that it received during a financial year. Higher CSR is considered better unless it exceeds 100%, which shows that the company has not earned any profit. For instance, if an insurance company has a Claim Settlement Ratio of 95%, then it means that the company has settled 95 claims out of every 100 claims received during a financial year. The Claim Settlement Ratio of Navi General Health Insurance for the past year is tabulated below:

Financial Year

Claim Settlement Ratio

FY 2018-2019

84.31%

FY 2019-2020

86.98%

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Network Hospitals of Navi General Insurance

A network hospital in health insurance is that hospital that has a tie-up with the insurance company and that offers cashless treatment to the insured individual. Navi General Insurance has a strong network of hospitals. It has tie-up with more than 10,000 hospitals across India wherein the insured person(s) can avail of treatment without paying anything from their own pocket. It reduces the hassle of managing funds at the time of emergency.

Navi General Insurance Policy Terms

Navi General Health Insurance plans come with the following terms:

Minimum Entry Age

91 days (child) and 18 years (adult)

Maximum Entry Age

No limit on age for sum insured of Rs 2 Lakh. For all other sum insured, the maximum entry age is limited to 70 years.

Children aged 91 days to 5 years can be covered with at least one parent covered with Navi General Insurance

Policy Renewal

Renewable for a lifetime (adult) and up to 30 years (dependent child)

Renewal Premiums

Health insurance renewal premiums are subject to change without any prior notice to the policyholder.

General Waiting Period

An initial waiting period of 30 days is applicable under Navi General insurance plans. The waiting period starts from the date of issue of the policy. No claims are admissible during this period.

Kindly note that terms and conditions vary with different Navi General Health Insurance plans.

Navi General Insurance Claim Process

Navi General Insurance offers a smooth, quick, and transparent claim settlement process. Under the health insurance plans offered by Navi General Insurance, you can make two types of claims, viz., cashless claims and reimbursement claims. To make cashless claims, you must undergo treatment only at a network hospital, whereas to avail reimbursement claims, you can seek treatment at a non-network hospital as well.

How To Make A Navi General Insurance Cashless Claim?

To make a cashless claim under Navi General Insurance plans, you are required to follow the steps given below:

1. Get Admitted to a Network Hospital

Get admitted to a network hospital and inform the Third Party Administrator regarding the hospitalisation.

2. Submit the Cashless Claim Form

Submit the cashless claim form to the Third Party Administrator.

3. Documents Verification

Your documents will be verified by the Third Party Administrator so that the claim process can be commenced.

4. Claim Settlement

If the claim request is approved, then the insurance company will issue a pre-authorization letter. You can then avail of the required treatment that your policy covers, without paying for the medical bills at the hospital. The insurance company will pay you for the same.

How To Make A Navi General Reimbursement Claim?

Once you buy a Navi Health Insurance policy, you will receive a dedicated 24*7 phone number for making a claim. The dedicated team at Navi Health Insurance will help you make a claim instantly. You can apply for a cashless claim at Navi’s 10,000+ Network hospitals Pan India and for a reimbursement claim in case you get treatment at any Non-Network hospital.

1. Get Admitted At a Non-Network Hospital And Avail Treatment

Get hospitalised at a network hospital of your choice and intimate the Third Party Administrator about the same.

2. Pay for the Treatment Availed

Settle the bills at the hospital from your own pocket.

3. Collect the Relevant Documents From the Hospital

Collect the required documents from the hospital as you will be required to submit the same at the time to the insurance company for claim settlement.

Documents Required for Reimbursement Claim Settlement

Listed below are the documents that you will be required at the time of claim settlement:

  • Health card provided by Navi General Insurance along with the policy
  • Valid photo identification proof (voter ID card/driving license/passport/PAN card/aadhar card
  • Original hospital bills
  • Original discharge reports
  • Other reports as required by the insurance company

4. Claim Settlement

In case the insurance company finds the claim as well as the documents as per the terms and conditions under the policy, then it will pay you for the expenses incurred on the treatment availed.

Navi General Insurance Renewal Process

Navi General Health Insurance plans are important to renew so as to continue availing benefits under them. These benefits include No Claim Bonus, waiting for period benefits, etc. To renew your health insurance plans, follow the simple steps given below:

Step 1: Visit the official website of Navi General Insurance and click on the Quick Help tab. Then click on the Quick Renewal tab.

Step 2: Enter your personal details including policy number, customer ID, and then click Proceed.

Step 3: There will be several health insurance quotes displayed on your screen. Select the most suitable one of them.

Step 4: Pay the health insurance premium for a policy renewal via any of the flexible modes offered.

Navi General Insurance Tax Benefits

Navi general Health Insurance plans also offer you tax benefits on the premium paid for them, under Section 80D of the Income Tax Act, 1961. In case you pay the health insurance premium in one go, then you can avail tax benefits for the number of years for which you have bought the policy. Here is a table to help you understand the tax deductions clearly:

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder and the parents are less than 60 years of age

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged more than 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are aged more than 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the HUF (Hindu Undivided Family)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Navi General Health Insurance Premium Calculation

To own a health insurance policy offered by Navi General Insurance, you are required to pay a premium. While it is important to know the health insurance premium to be paid to own a policy, in advance, you can use InsuranceDekho’s health insurance premium calculator, which is a free tool. To understand the factors on which the premium for health insurance plans offered by Navi General Insurance are determined, read the factors below:

  • Age: Age is one of the most important factors that determine the premium of a Navi General Insurance policy. Like most insurance companies, Navi General Insurance also follows the thumb rule of the greater the age, the greater the health insurance premium will be. So, if you purchase a Navi General Health Insurance policy in the later stage of life, then you will be required to pay a higher premium as compared to if you purchase it when young.
  • Lifestyle Habits: Lifestyle habits such as smoking or drinking regularly affects health in an adverse way, thereby increasing the chances of you making a claim under the policy. So, if you have an unhealthy lifestyle, then you will be required to pay a greater premium for Navi General Health Insurance plans and vice versa.
  • Family Medical History: If certain illnesses run in your family such as diabetes, asthma, heart diseases, etc. then you too are at a higher risk of getting affected by them. As you will be more likely to make a claim due to these illnesses, therefore, you will be required to pay a higher health insurance premium under your Navi General insurance policy and vice versa.
  • Pre-Existing Diseases: Pre-existing illnesses are the illnesses that you are suffering from before purchasing a health insurance policy. If you are suffering from a pre-existing disease at the time of buying the policy, then you will be charged a higher health insurance premium. But in case you have a healthy lifestyle and have not been diagnosed with any pre-existing disease, then you will be required to pay a lesser health insurance premium.
  • Add-On Covers: Along with Navi general Health Insurance plans, you can purchase add-on covers too to enhance the plan coverage. For instance, maternity cover, co-payment option, critical illness cover, hospital daily cash cover, no sub-limit option, etc. But to avail of them, you will have to pay a higher health insurance premium. So, you must go for the add-on benefits only which are beneficial for you as they increase the premium.

What All Is Covered Under Navi General Health Insurance Plans?

Navi General Health Insurance plans cover you against the following healthcare expenses:

  • In-Patient Hospitalisation Expenses: Navi General Insurance plans cover you against in-patient hospitalisation expenses arising due to hospitalisation of at least 24 hours. These expenses include room rent expenses, nursing, boarding expenses, ICU expenses, blood, anaesthesia, doctor’s fee, etc.
  • Road Ambulance Expenses: Navi General Insurance plans cover you against road ambulance expenses for transportation of the patient to the nearest hospital in case of an emergency. The ambulance has all the necessary facilities required for the safe travel of the patient.
  • Pre-Hospitalisation And Post-Hospitalisation Expenses: Navi General Health Insurance covers you against pre-hospitalisation and post-hospitalisation expenses for up to 15 days and 30 days respectively. These expenses include doctor’s fees, x-rays, etc.
  • Home Care Benefit: Navi General Insurance plans cover you for medical expenses incurred due to treatment taken at home for the illnesses, diseases, or other conditions that are covered under the policy.

Other coverage benefits offered by the insurer include expenses related to COVID-19 hospitalization, daycare treatment, vector-borne diseases cover, critical illness cover, optional maternity cover, optional critical illness cover, optional newborn baby cover, no limit on room rent, no co-pay for a lifetime, complimentary health check-ups, cumulative bonus on no claim, free refill of cover amount, psychological counseling sessions, the low waiting period for existing illness, free second medical opinion, and yearly tax benefits.

What All Is Not Covered Under Navi General Health Insurance Plans?

Navi General Insurance plans do not provide you cover in case of the following:

  • Intentional Self-Inflicted Injury: Navi General insurance plans do not cover you for the treatment required due to any self-inflicted injury including bodily injuries. These include any injury that occurred due to deliberate exposure to danger, suicide, etc.
  • Cosmetic Surgery: Navi General insurance plans do not cover you against the expenses required for cosmetic surgery.
  • Injury Due to Involvement in Adventure Sports: Navi General Insurance plans do not provide expenses for any injury occurring due to participation in any adventure sports or activities. For instance mountain climbing, paragliding, etc.
  • Participation in Any Criminal Act: Navi General Insurance plans do not cover you against the treatment of any illness or injury arising due to participation in any criminal act.
  • Treatment Availed Outside India: Navi General Insurance plans do not cover you for any expenses arising due to treatment availed outside the geographical boundaries of India.

Note that the inclusions and exclusions vary with different health insurance plans offered by Navi General Insurance.

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Claim Process at Navi Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Navi Health Insurance User Reviews

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What users are saying
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  • Claim
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  • Wide coverage benefits

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  • No paper policy

    My Navi Health Insurance Plan issued from InsuranceDekho is available digitally. The best thing about this is ...

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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
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  • 14 Lakh+ happy customers

Navi Health Insurance Contact Details

Reach us for help anytime

FAQ About Navi Health Insurance

  • What is the address of Navi General Insurance?

    The address of Navi General Insurance is-Salarpuria Business Centre, 4th B Cross Road, 5th Block, Koramangala Industrial Layout, Bengaluru, Karnataka - 560095.

  • Is there any waiting period for specific illnesses under health insurance plans provided by Navi General Insurance?

    Yes, for pre-existing illnesses, there is a waiting period of 3 years for a sum insured amount of Rs. 10 Lakh and above and a waiting period of 4 years for a sum insured below Rs. 10 Lakh. 

  • How can I buy and apply for a Navi General Health Insurance plan?

    You can apply for or purchase a health insurance policy from Navi General Insurance Company from their official website, i.e. naviinsurance.com by downloading the Navi Health App. 

  • What is the maximum number of claims allowed in a year?

    There is no limit on the number of claims allowed in a policy period. The only limit is the maximum sum insured under the plan selected. 

  • What are some common benefits provided by health insurance plans by Navi General Insurance?

    The following benefits are provided by health insurance plans by Navi General Insurance:

    • In-patient hospitalisation
    • Vaccination for post-bite treatment
    • Pre hospitalisation expenses
    • Post hospitalisation expenses
    • Emergency ambulance
    • Organ donor expenses
    • Day care procedures 

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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