Navi Health Insurance

Yes. Upon buying any of Navi health plans, customers become eligible to claim tax benefits under Section 80D of the Income Tax Act, 1961.

Yes, the policyholder can get the policy cancelled after its purchase if he/she is not satisfied with the product. However, they can do so within 15 days of receiving the policy documents.

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.

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.

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

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.

The Pre - Post hospitalization claim documentation must be submitted within 15 days after the end of the Post-hospitalization treatment or term, whichever comes first.

• 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

To help you out with this, the company sends timely reminders before your premium paying due date. Even then if you are unable to pay the Monthly Premium before the due date, the company offers a grace period of 15 days to pay your monthly premium.

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.

One can avail of a Prolonged Hospitalization benefit under Navi Health Insurance. Under this benefit, the company will pay a lump sum amount of Rs. 20,000/-, provided you are hospitalized in the company's empanelled hospital for a minimum period of 10 consecutive days due to any illness/ injury that is covered under Policy

With the claim settlement ratio of 99.99% in 2021-22, it can be interpreted that Navi Health Insurance company understands the importance of claim settlement and offers quick and hassle-free claim processing.

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.

The premium for this policy depends on certain factors including Age, Members added Sum Insured, Policy tenure, the health status of the individual, and Optional Covers opted.

Daycare treatments include medical treatments or surgical procedures, which used to take longer than 24 hours, and can now be completed within a day with the advancement of technology. Some examples of daycare treatment are Colonoscopy, Dialysis, etc.