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Navi Health Insurance Benefits

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

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Benefits of Navi Health Insurance

Navi General Insurance one of the leading insurance companies in India that has years of experience in offering useful insurance solutions to customers. The insurance company provides a variety of affordable health insurance plans that are available to people to different sections of the society. Individual health insurance plans are available, as well as family floater plans that cover several relationships under one policy.On a floater basis, the insurer allows you to cover a self, legally wedded spouse, dependent children, parents, and parents-in-law. The health insurance plans provide wide coverage while also allowing you to save money on your premiums paid for them under Section 80D of the Income Tax Act,1961. Here are some of the many benefits of buying Navi Health Insurance below:

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  • Additional Benefit of Free Health Check up

    Health insurance companies provide free health check-up to the policyholders as an incentive for their good health. You can avail this benefit if you fulfill certain requirements. Navi General Insurance also provides similar incentives to its policyholders at no added cost.

  • Additional Protection over Employer Coverage

    The employers protecting their employees’ health by providing them relevant health insurance plans has become really common these days. But these plans do not always guarantee full coverage to them or their loved ones against major illnesses. As there is still scope of buying another policy for complete health protection, they can therefore opt for a health insurance plan offered by Navi General Insurance at affordable price and avail additional protection.

  • Cashless Benefit

    So that it does not become hard to manage funds at the time of emergency, Navi General Insurance provides you health insurance plans that cover you for cashless treatment at the network hospital. All you need to do is follow the simple claim procedure and submit the relevant documents to the insurer.

  • Claim Settlement Ratio

    Claim settlement Ratio (CSR) is the total number of claims settled by an insurance company against claims received during a financial year. IRDAI regularly publishes the Claim Settlement Ratio of health insurance companies to inform the people if a company is worth spending money on or not. For the FY 2019-20, the CSR of Navi General Insurance was 86.98%. Note that the CSR changes from time to time.

  • Coverage against Medical Expenses

    Health insurance plans by Navi General Insurance provide complete protection to its policyholders by covering them for several healthcare expenses such as in-patient treatment, daycare treatments, pre-hospitalisation expenses, post-hospitalisation expenses, and so on.

  • Incurred Claim Ratio

    ICR or Incurred Claim Ratio is referred to as the net claims paid by an health insurance company against the net premiums received. The Insurance Regulatory and Development Authority of India (IRDAI) annually publishes this ratio for every company. The ICR of Navi General Insurance for FY 2018-19 is 46%. Note that the ICR changes from time-to-time.

  • Tax Benefit

    On purchasing any health insurance policy from Navi General Insurance, the policyholders get tax rebate on the premium paid for it under Section 80D of the Income Tax Act 1961.

Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Navi Health Insurance Plan List

    Name of PlanSum Insured
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Get Quotes Now
    Navi Cure Policy2 Lakh - 1 Crore Get Quotes Now

    Additional Benefit of Free Health Check up

    As an incentive for their good health, health insurance companies offer free health check-ups to policyholders.You can avail this benefit if you fulfill certain requirements. Navi General Insurance also provides similar incentives to its policyholders at no added cost.

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Additional Protection over Employer Coverage

    The employers protecting their employees’ health by providing them relevant health insurance plans has become really common these days. But these plans do not always guarantee full coverage to them or their loved ones against major illnesses.They can therefore opt for a health insurance plan offered by Navi General Insurance at an affordable price and receive additional protection, as there is still the possibility of buying another policy for complete health protection.

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    Navi Health Insurance User Reviews

    4.6
    Rating based on
    12 User reviews
    Write your review
    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness

    • Affordable plan

      Navi Arogya Sanjeevani Policy is an affordable health insurance policy that I bought last week at InsuranceDek...

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      N
      Navi
      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...

      Read More
      D
      Navi
      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 an...

      Read More
      J
      Navi
      By Jignesh k.
      On: Jul 22, 2021

    • Convenient mode of payment

      InsuranceDekho offers several health insurance plans and one can pay the premium for them in any mode that sui...

      Read More
      D
      Navi
      By Diya Rai
      On: Jul 20, 2021

    • Seamless COVID 19 policy issua...

      Issuing COVID 19 insurance policy on InsuranceDekho was streamlined. I read about the policy types and checked...

      Read More
      R
      Navi
      By Ritwick Thakur
      On: Jul 15, 2021
    View All Navi Health Insurance Reviews
    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 45 Lacs+ happy customers

    Explore Navi Health Insurance

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    Navi Health Insurance Contact Details

    Reach us for help anytime

    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.

    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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