Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Navi Health Insurance

14 reviews Rate This
Navi Health Insurance
Claim SettlementDedicated Team
Claim Settlement Ratio86.98%
COVID-19 CoverYes
Network Hospitals10,000+
Policies Sold48,035

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 a goal of using cutting-edge technology to build and provide insurance solutions that match the needs of the new-age customers.Its goal, on the other hand, is to simplify insurance so that everyone can benefit from the financial security provided by insurance policies.

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. As a result, if you get a Navi General Health Insurance policy later in life, you will have to pay a greater premium than if you buy it when you are 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, such as diabetes, asthma, and heart disease, run in your family, you are at a higher risk of contracting them as well. Because you are more likely to file a claim as a result of certain ailments, your Navi General insurance coverage will require you to pay a higher health insurance premium, and vice versa.
  • Pre-Existing Diseases: Pre-existing illnesses are the illnesses that you are suffering from before purchasing a health insurance policy. You will be charged a higher health insurance premium if you have a pre-existing disease at the time you buy the policy.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: You can purchase add-on covers to enhance the coverage of your Navi general health insurance plans. Maternity cover, co-payment option, critical illness insurance, hospital daily cash health coverage, 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.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

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: NaviCure 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. You, your spouse, kids, parents, and in-laws can all be covered under the policy. The policy includes wellness benefits such as a health helpline, a free health check-up, a health risk assessment, no 30-day waiting period, an in-built counseling option, etc.
  • Navi Coco Seasonal Byte Policy: The Coco Seasonal Byte policy covers healthcare bills if you are diagnosed with seasonal illnesses such as malaria, swine flu, chikungunya, dengue fever, and so on. 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 are all covered by the policy.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 a 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 offers the insured several coverage benefits and has sum insured options ranging from Rs. 1 lakh to Rs. 5 lakh in multiples of Rs. 50,000. Daycare treatment, cataract medication, pre-hospitalisation and post-hospitalisation treatment, hospitalisation charges, modern treatment expenses, etc are all covered.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 covers against COVID-19. It covers people between the ages of 18 and 65 for sums insured ranging from Rs. 50,000 to 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 functions as an extension of a regular health insurance plan, protecting you from claims for cumulative medical expenses incurred during the policy term once the deductible has been met. This implies the plan only kicks in when you have exhausted your maximum claim amount or are expected to pay a portion of the cost out of 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 provides a friendly customer service team to help you with any issues or queries you may have so that you can better 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 keeps policyholders at rest by providing a smooth and hassle-free claim settlement process. Cashless claims are approved in 20 minutes, while reimbursement claims are approved 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 advantages of purchasing Navi General Insurance policies is that they do not require a pre-policy medical check-up to be covered.
  • 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 is exhausted within a policy year, the insurer will provide you with an instant refill of 100% of the original cover amount, which you can use for hospitalisation again.
  • 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

The Claim Settlement Ratio (CSR) is the percentage of claims settled by an insurance company to the total number of claims received in a given financial year. Unless the CSR exceeds 100%, which indicates that the company has not made any profit, a higher CSR is considered better.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


FY 2019-2020


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

Network Hospitals of Navi General Insurance

In health insurance, a network hospital is one that has a contract with the insurance company and provides cashless treatment to the insured.Navi General Insurance has a strong network of hospitals. It has tie-ups 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. You must seek treatment only at a network hospital to file cashless claims, however you can seek treatment at a non-network hospital to receive reimbursement claims.

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

The insurance company will send a pre-authorization letter if the claim request is approved. You can then receive the required treatment that your policy covers without having to pay for hospital expenses.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

It is necessary to renew Navi General Health Insurance plans in order to continue receiving benefits. No Claim Bonus, waiting period benefits, etc are examples of these benefits.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. If you pay your health insurance premium all at once, you will be eligible for tax benefits for the number of years you have the policy.Here is a table to help you understand the tax deductions clearly:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


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

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: In the case of emergency, Navi General Insurance plans will cover the cost of a road ambulance to take the patient to the nearest hospital. 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: Medical expenses incurred as a result of treatment received at home for illnesses, diseases, or other conditions covered by the policy are covered by Navi General Insurance plans.

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: The treatment costs for any self-inflicted injury, including bodily injuries, are not covered by Navi General insurance coverage.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 any expenses incurred as a result of care received outside the geographical boundaries of India.

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

Health Insurance News


  • 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. 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 

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Great Experience

    My purchase of the Navi Health Insurance Plan from the official website of InsuranceDekho was awesome. The services offered by the InsuranceDekho company were nice and highly customer-focused. I bought a Navi health insurance plan smoothly and conveniently through their online platform. Hats off to the customer support team for dedicatedly working hard day and night.

    By Abhishek Sharma
    On: Mar 12, 2024
  • No paperwork involved

    There was no paperwork involved when I decided to buy the Navi Health Insurance Plan through the online platform of InsuranceDekho company. So, when I was buying the Navi Health Insurance Plan, without much paperwork required, everything was done digitally. I was easily able to get the policy issued. Thanks

    By Bhupender Rao
    On: Mar 01, 2024
  • Affordable plan

    Navi Arogya Sanjeevani Policy is an affordable health insurance policy that I bought last week at InsuranceDekho. It covers me and my family for all basic health care expenses. I liked it. 

    By Niyati Khanna
    On: Jul 29, 2021
  • Paperless procedure

    I recently bought Navi General’s Arogya Sanjeevani Policy online at InsuranceDekho. The process was very smooth and did not involve any paperwork. I read about the policy benefits online and decided I found it most suitable for myself and my family so bought it.

    By Dev Bhatia
    On: Jul 27, 2021
  • Wide coverage benefits

    Navi offers a Dengue plan that I bought recently at InsuranceDekho. The policy is rich in coverage benefits and hence I bought it even after already having an individual health insurance policy. 

    By Jignesh k.
    On: Jul 22, 2021