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Navi Cure Health Insurance

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Navi Health Insurance
Navi Cure Policy
Claim SettlementDedicated Team
Claim Settlement Ratio86.98%
COVID-19 CoverYes
Network Hospitals10,000+
Policies Sold48,035

About Navi Cure Health Insurance

Navi Cure is an affordable a-la-carte medical insurance policy that provides comprehensive coverage to the insured. Available on individual as well as family floater basis, the policy covers children between 91 days and 5 years with at least 1 parent included in the policy. Whereas for adults, the minimum entry age is kept at 18 years. There is no limit on maximum entry age for Rs. 2 Lakh, but for other sum insured options, the maximum entry age is restricted to 70 years. If you purchase the plan on a family floater basis, then your entire family will share a single sum insured. It can cover a legally wedded spouse, 3 dependent children, and parents/parents in law. Whereas on a non-floater basis, each insured person will have a separate sum insured. The policy comes with a wide range of sum insured options between Rs. 2 Lakh and Rs. 1 crore and it is renewable for lifetime.

The policy comes with various plan options namely Silver, Gold, Diamond, and My Navi Health, which differ in terms of policy benefits and sum insured options. Some of the coverage benefits that the policy offers include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, AYUSH treatment expenses, road ambulance expenses, newborn baby expenses, etc. The policy comes with flexible terms i.e. 1 year, 2 years, and 3 years, which you can opt for as per your own requirement. The premium payment options are also flexible. You can pay the premium for this policy as one time or in quarterly, half yearly instalments, and avail tax benefits on the same as well.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Modern treatments like oral chemotherapy, robotic surgeries, etc.
  • Cover for hospitalisation for mental illnesses, for up to Rs. 3 Lakh
  • In-patient hospitalisation for HIV and AIDS
  • Expenses related to daycare treatments
  • Pre and post-hospitalisation expenses
  • Domiciliary hospitalisation expenses

What's Not Included

  • Expenses related to dental except if covered as outpatient treatment
  • Treatment required due to participation in adventure sports is not covered.
  • Physical developmental disorders
  • Breach of law with criminal intent
  • Sexually transmitted diseases
  • Expenses related to non-allopathic treatment

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.

FAQs on Navi Cure Policy Health Insurance Plan

  • What are the wellness rewards offered under this policy?

    Navi Cure Policy comes with the following wellness rewards: 

    • Health Risk Assessment (HRA): It allows you to take a self-health check with the HRA and earn discounts on policy purchase or renewal   
    • Discount: You can avail discount on renewal premium for maintaining an active lifestyle by walking and better disease management
    • Health Helpline: It provides 24*7 empaneled doctor’s consultation for non-emergency advice
    • Free health check up after renewal for every year a claim is not made


  • What are the waiting periods under Navi Cure policy?

    Navi Cure policy comes with the following waiting periods: 

    • Initial waiting period-30 days (except accidental hospitalisation and hospitalisation due to specific critical illnesses)
    • Waiting period for pre-existing diseases: 2-4 years varying with plan option
    • Waiting period for coverage of internal congenital anomaly-24 months
    • Waiting period for named mental illness-24 months
  • Is there any co-payment clause under this policy?

    Yes. The policy comes with a mandatory co-payment for members with entry age to the first policy as:

    • 61 to 65 years-10% co-pay 
    • 66 to 70 years-20% co-pay above 70 yrs-30% co-pay (only for the sum insured of Rs. 2 Lakh)
  • What is the cover type for Navi Cure Policy?

    You can buy Navi Cure Policy either on an individual basis or a family floater basis. On an individual basis, every insured individual will have a separate sum insured. Whereas on a family floater basis, one family will share a single sum insured. You can include self, legally wedded spouse, 3 dependent children, parents or parents-in-law under this policy on a family floater basis.  

  • What does the policy cover me for under in-patient hospitalisation expenses?

    The Navi Cure policy covers you for the following in-patient hospitalisation expenses: 

    • Room rent expenses
    • Nursing expenses
    • Expenses related to Intensive Care Unit (ICU)
    • Operation Theater expenses
    • Fee of Anesthetist/Medical Practitioner/Specialists/Doctor 
    • Expenses related to drugs, medicines, and consumables
    • Expenses related to blood, oxygen, surgical appliances
    • Expenses related to prosthetics, and other devices and equipment if implanted internally during a surgical procedure and is recommended by the attending medical practitioner.

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