Navi Health Insurance

At Navi Health Insurance, we redefine the way you experience health coverage. With our digital-first approach, innovative plans, and customer-centric policies, we aim to make health insurance straightforward, accessible, and beneficial for everyone.

01Digital-First Model

Navi Health Insurance operates on a digital-first model, making the entire process of purchasing, managing, and claiming health insurance seamless and hassle-free through our Navi App. This approach caters to the evolving consumer preference for digital solutions, making health insurance more accessible and user-friendly.

We simplify health insurance for you. Our policies come with clear terms, jargon-free documents, and transparent conditions, ensuring you understand exactly what you’re getting. This transparency builds trust and empowers you to make informed decisions about your health coverage.

Recognizing that one size doesn’t fit all, Navi Health Insurance offers customizable health insurance plans. You can tailor your coverage based on your specific needs, ensuring you get the protection that best suits your lifestyle and requirements.

Comprehensive Hospitalisation Coverage

• 100% Hospital Bills Coverage: For any hospitalisation over 24 hours, Navi Health Insurance covers all hospital bills.
• No Room Rent Limit: Enjoy single private AC rooms with no cap on room rent. Choose shared occupancy and get extra cash benefits.
• Day Care Treatments: Coverage for procedures that don’t require 24-hour hospitalisation.
• Pre and Post-Hospitalization Expenses: Coverage up to 90 and 180 days respectively.
• Complimentary Annual Health Checkup: Available for every policy member.

• Unlimited Online Consultations: Access free and unlimited online doctor consultations through the Navi App.
• Home Hospitalisation Cover: Get coverage for treatments that can be managed at home.
• Organ Donor Expenses: Covered under your policy.
• Accidental Injury Cover: 100% additional sum insured for road accident injuries.
• Air Ambulance Cover: Coverage up to ₹5 lakhs over and above the sum insured.
• Non-Payable Items: Consumables are covered under your policy.
• Maternity and Newborn Baby Covers: Available as add-ons.

• Quick Claim Settlement: Leverage technology for a smooth and quick claim process.
• Minimal Paperwork: Reduce the hassle with easy digital claim submissions.
• Cashless Claim Process: Use our extensive network of 12,000+ hospitals for cashless treatment.

Flexible Coverage Limits

• Coverage ranges from ₹2 lakhs to ₹1 crore, offering flexibility to choose a plan that fits your needs.

Plan Types

• Individual and Family Floater Plans: Choose based on the number of members to be included.
• Super Top-Up Option: Additional protection beyond the base policy at a relatively low premium.

Tax Benefits

• Premiums: Eligible for tax deductions under Section 80D of the Income Tax Act.

Lifetime Renewal

• Policies can be renewed for a lifetime, ensuring sustained coverage.

Waiting Periods

• Initial Waiting Period: 30 days (except for accidents).
• Pre-Existing Diseases: Coverage begins 3 years after the policy issuance.
• Specified Illness Waiting Period: Coverage starts 1-2 years after policy issuance.

Eligibility

• Open to individuals from 91 days to 70 years old.
• Add family members, including dependent children up to 30 years old.

Cashless Claim Process

• Visit a Navi network hospital.
• Provide details at the insurance help desk.
• Get confirmation within 20 minutes.
• Pay any balance amount not covered by your policy at discharge.

Reimbursement Claim Process

• Submit bills and documents via the Navi App.
• Claim status updated in less than 4 hours if approved.
• Navi Relationship Manager may contact for additional details.

Certain treatments and situations are excluded from coverage such as:

• Cosmetic Surgery: Unless medically necessary.
• Gender Change Treatments
• Adventure Sports Injuries
• Treatments arising from the violation of law

Specific details on eligibility, waiting periods, and exclusions ensure you have a comprehensive understanding of your coverage.

Join the thousands of satisfied customers who trust Navi Health Insurance for their health coverage needs. Explore our plans, tailor your policy, and manage everything digitally with ease. Visit the Navi App today and experience a new era of health insurance.