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Home Health InsuranceNaviCorona Rakshak Policy

Navi Corona Rakshak Health Insurance

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

About Navi Corona Rakshak Health Insurance

Corona Rakshak Health Insurance Policy offered by Navi General Insurance is a benefit based COVID-19 product, which offers a lump sum amount that you can utilise as per your wish. The lumpsum amount equals to 100% of the sum insured is given upon positive diagnosis of COVID-19 and requirement of hospitalisation for a minimum continuous period of 72 hours. This plan is a standard policy due to which it holds uniform coverage and features under different insurers in the market.

This Corona Rakshak Plan can be purchased by people between the age of 18 years and 65 years. However, proposers can buy this medical insurance policy for adult members of the family, without covering themselves. Policyholders have the option to choose the sum insured from Rs. 50,000 to Rs. 2.5 lakh. This plan is available with different policy periods of 3.5 months i.e., 105 days, 6.5 months i.e., 195 days, and 9.5 months i.e., 285 days.

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Sum insured options from Rs. 50,000 to Rs. 2.5 lakh
  • Lumpsum amount equal to 100% of the sum insured is offered
  • Multiple policy periods of 3.5 months, 6.5 months and 9.5 months
  • Availability of Loyalty discount of 5% and direct channel discount of 15%
  • Anyone between the age group of 18 years and 65 years can be covered

What's Not Included

  • Any claim with respect to COVID-19 during the waiting period
  • Medical expenses related to diagnostics and evaluation purposes
  • Any diagnosis or treatment not related or incidental to COVID-19
  • If an insured person visits to any country placed under travel restriction
  • Testing done at an unauthorised diagnostic centre

Corona Rakshak Policy User Reviews

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Navi Corona Rakshak Policy Brochure

  • 219.70 KB
  • PDF Document
  • Aug 06, 2020
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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.

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FAQs on Corona Rakshak Policy Health Insurance Plan

  • What are the minimum and maximum entry ages under this Corona Rakshak Policy?

    Under this Corona Rakshak Policy, the minimum age at entry is 18 years and maximum age at entry is 65 years.

  • What are the policy term options available under this Navi Corona Rakshak Policy?

    This policy can be issued in the following policy periods:

    • 3.5 months, i.e., 105 days
    • 6.5 months, i.e., 195 days
    • 9.5 months, i.e., 285 days

  • Can I buy this health insurance plan on a family floater basis?

    No, this plan can be issued on an individual sum insured basis only. However, you can buy this policy for an adult family member that may include spouse, children, parents and parents-in-law, without covering yourself.

  • Is there any waiting period applicable under this Navi Corona Rakshak Plan?

    Yes, a waiting period of 15 days from the first policy commencement date is applicable under this Corona Rakshak Plan.

  • What is the maximum sum insured amount that I can get in lump sum?

    You have the option to choose the sum insured from Rs. 50,000 to Rs. 2.5 lakh under this plan. Hence, Rs. 2.5 lakh is the maximum sum insured amount that you can get in a lump sum.

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