Buy Navi Health Insurance | Compare & Get Online Discounts

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Updated on Jun 11, 2025 8 min read

About Navi Health Insurance

Navi Health Insurance is a wholly owned subsidiary of Navi Technologies- a digital finance lending organization owned by Sachin Bansal. Navi Health Insurance started its operations in November 2017 and adopted a digital method of selling its insurance products via the Navi Health Insurance App. It has more than 1.1 million customers and offers a variety of health insurance plans along with motor, property, commercial, and gadget insurance solutions.

Navi Health Insurance Plans offer individuals with health coverage of up to INR 1 Crore via a paperless process. The insurer has a large network of over 10,000+ cashless hospitals that provide the best medical care. Navi Health Insurance also focuses on a hassle-free claim settlement process within 20 minutes offering customers a smooth insurance experience.

Navi Health Insurance runs on the values of Integrity, Respect, Collaboration, Innovation, and Customer-Centricity. Navi Health Insurance offers several benefits including in-patient hospitalization, cashless hospitalization, pre and post-hospitalization, hospitalization at-home cover, COVID-19 cover, daycare treatment, no room rent capping, optional critical illness cover, optional maternity cover, etc.

10000+

Network
Hospitals

52.40%

Incurred
claim ratio

Upto 1 Cr

Sum
Insured

2.6

Solvency
Ratio

24X7

Customer
Support

Key Features
of Navi Health Insurance

Navi Health Insurance is amongst the top performers in the insurance sector. To get more insight into the company's performance, take a look at the below key features that will help you to analyze the company based on its performance:

1

The company has tie-ups with more than 10,000+ hospitals
2

With a presence in more than 400+ locations
3

Has a Solvency Ratio of 2 as per the IRDAI annual report 2021-22
4

The claim support of Navi Health Insurance is 99.99%
5

As per the annual report of IRDAI 2021-22, the annual premium of Navi Capital Health Insurance is 106.57 Cr.
6

It offers a hassle-free 20 minute claim settlement process for both reimbursement claims and reimbursement claims
7

The insurer offers plans that can offer SI up to 1Cr

Navi Health Insurance Detailed Review

Why Do We Exist?

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Why Choose Navi Health Insurance?

Digital Insurance Products
Multiple Category of Insurance
Smooth Renewal Process
Avail Online Consultations
Coverage Against Accidents

Why Should You Buy from PolicyX.com?

With so many buying options available in the market, one must think about why he/she needs to choose PolicyX.com. Well, we are here to answer.

IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance withing 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.

Top 5 Reasons to Buy Navi Health Insurance Policy

There are multiple advantages that are associated with Navi Health insurance plans if you select the right one suitable for you and your family's needs. The insurance provider is selected by many across the nation and we have mentioned the top 5 reasons below:

Digital Insurance Products:
Navi Health Insurance offers hassle-free insurance solutions via their Navi Health Insurance App making it easier for individuals to avail insurance policies via their smartphones in an instant.
Multiple Category of Insurance:
Navi Health insurance policies are intended to serve all types of customers. Customers can choose from a variety of insurance needs, investment needs, and more.
Smooth Renewal Process :
Navi Health Insurance offers a smooth policy renewal process. The insurance holders can simply visit the official website of Navi Health Insurance, enter their respective policy details and pay the renewal premium. Once your payment process is complete you will receive a confirmation email on your registered email address.
Avail Online Consultations:
Insurance Holders need not worry about visiting doctors every now and then when they can do so, via the unlimited e-consultation option provided by their Navi health insurance plans. With minimal additional premium cost, you can avail unlimited e-consultations from the comfort of your home with the top medical practitioners in the country.
Coverage Against Accidents:
Navi Health Insurance Plans offer an additional 100% sum insured for road accident injuries in case your base sum insured has been exhausted. This feature ensures your safety under unforeseen circumstances.

Inclusions of Navi Health Insurance

Pre and Post Hospitalization Expenses

Navi understands the impact of rising medical expenses, thus they have made sure that you're covered for in-patient hospitalization expenses like pre and post-hospitalization.

AYUSH Treatments

Most Navi Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Navi health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, etc.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Navi health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Navi health insurance plans cover domiciliary hospitalization up to specified sub-limits.

Exclusions of Navi Health Insurance

Self Inflicted Injuries

Navi's health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Navi Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Navi Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Navi Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Navi health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

Navi Health Insurance Buying Process

For buying a Navi Health Insurance policy, one has two options. Either they can purchase directly from the Navi app or can buy from PolicyX.com.

Buy from PolicyX

Step 1
Fill in the details in the 'Calculate Premium' form
Step 2
The next page will show all the available plans.
Step 3
Choose the Navi health plan and click on 'Buy Now'.
Step 4
Pay the premium and your policy document will be shared with you on your registered email id.

Buying from Website

Step 1
Visit Google Play Store or Apple Store
Step 2
Download the app 'Navi Health Insurance.
Step 3
Verify contact details.
Step 4
Enter requested information.
Step 5
Choose from the list of plans available for you.
Step 6
Choose payment terms.

Navi Health Insurance Claim Process

Navi Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose cashless claims or can opt for reimbursement claims:

Cashless Claim Process

Step 1
Notify the company about your claim request by calling its toll-free number or writing an email.
Step 2
For planned hospitalization, notify the company at least 48 hours prior to admission.
Step 3
In case of emergency hospitalization, the claim notification should be sent to the company within 24 hours of admission to the hospital or before discharge whichever is earlier.
Step 4
Provide the health card along with photo identification proof of the policyholder to the hospital authorities.
Step 5
Duly fill out the cashless request form and submit it to the hospital.
Step 6
Pre-authorization request form will be sent by the hospital to the cashless department of TPA.
Step 7
At the time of discharge, the hospital will forward a final authorization request.
Step 8
Discharge will be done post receipt of the final authorization letter by the hospital.
Step 9
Once done, the payment will be made to the network hospital

Reimbursement Claim Process

If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.

Step 1
Customers are required to settle all the hospital bills.
Step 2
At the time of discharge, he/she must collect all the important documents provided by the hospital including the discharge summary and bills.
Step 3
Submit all these documents to the company or Third-Party Administration within 15 days from the date of discharge
Step 4
The company will verify all the documents. On approval, the claim amount will be released.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Navi Health Insurance

Navi Health Insurance: FAQs

1. Do Navi health insurance plans have a copayment clause?

Yes, the health insurance plans by Navi have a copayment clause of 5% that is applicable to the claim amount admissible and payable as per the terms and conditions of the policy.

2. Can I change the sum insured amount of my health insurance plan?

The sum insured amount can be changed (increased/ decreased) only at the time of renewal or at any time, subject to underwriting by the Company. For any increase in sum insured, the waiting period shall start afresh only for the enhanced portion of the sum insured.

3. Can I port my Navi health insurance policy?

Yes, as per the guidelines issued by IRDAI, Navi insurance company allows its customers to port their policy to other insurers.

4. How many times can I claim under a Navi Insurance Company?

There is no restriction on the number of claims that can be filed. One is allowed to make claims until his/her chosen sum insured is exhausted.

5. Which Critical Illnesses are covered under the Navi Health Plan?

Cancer of Specified Severity Myocardial Infarction (First Heart Attack of Specified Severity) Open Chest CABG Open Heart Replacement or Repair of Heart Valves Kidney Failure Requiring Regular Dialysis Stroke Resulting in Permanent Symptoms Major Organ / Bone Marrow Transplant Permanent Paralysis of Limbs Multiple Sclerosis with Persisting Symptoms Third Degree Burns

6. Is it possible to renew the Navi Health Insurance plan for a lifetime?

Yes, one can renew their Navi Health Insurance for the lifetime of the members covered in the policy’s participants. The coverage for a dependent kid can be renewed up to the age of 30.

7. Who can I add to one policy?

You can add the following family members to the policy: - Yourself - Spouse - Dependent children - Your parents or your parents-in-law The maximum number of adults in a policy cannot be more than 2.

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Navi Health Insurance

About Navi Health Insurance

Navi Health Insurance Detailed Review

Why Do We Exist?

Compare

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Recommended Videos

Why Choose Navi Health Insurance?

Why Should You Buy from PolicyX.com?

Top 5 Reasons to Buy Navi Health Insurance Policy

Inclusions of Navi Health Insurance

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Domiciliary Hospitalization

Exclusions of Navi Health Insurance

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

Navi Health Insurance Buying Process

Buy from PolicyX

Buying from Website

Navi Health Insurance Claim Process

Cashless Claim Process

Reimbursement Claim Process

Health Insurance Premium Calculator

More Queries?

Explore Navi Health Insurance

Navi Health Insurance: FAQs

1. Do Navi health insurance plans have a copayment clause?

2. Can I change the sum insured amount of my health insurance plan?

3. Can I port my Navi health insurance policy?

4. How many times can I claim under a Navi Insurance Company?

5. Which Critical Illnesses are covered under the Navi Health Plan?

6. Is it possible to renew the Navi Health Insurance plan for a lifetime?

7. Who can I add to one policy?

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Written By: Simran Saxena

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