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Navi Health Insurance
Navi Health Insurance
Navi General Insurance Limited offers health insurance plans with coverage of up to ₹1 crore through a fully paperless ...Read More
What you get with Navi Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 50000
Coverage scales from entry-level individual plans to high-end family-floater protection.
10,000+ cashless hospitals
Direct billing at network hospitals across 400 presence — no out-of-pocket payment at admission.
95.13% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
4.56x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
About Navi Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
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 began its operations in November 2017, adopting a digital method of selling insurance products via the Navi Health Insurance App. It serves over 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 provide individuals with health coverage of up to ₹1 Crore through a paperless process. The insurer boasts a large network of over 10,000+ cashless hospitals, providing quality medical care. Navi Health Insurance also focuses on a hassle-free claim settlement process, often within 20 minutes, offering customers a smooth insurance experience.
Navi Health Insurance operates on the values of Integrity, Respect, Collaboration, Innovation, and Customer-Centricity. Its plans offer 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, and more.
Navi Health Insurance at a Glance:
- Network Hospitals: 10,000+
- Incurred Claim Ratio: 52.40%
- Sum Insured: Up to ₹1 Crore
- Solvency Ratio: 2.6
- Customer Support: 24x7
Key Features of Navi Health Insurance
Navi Health Insurance is among the top performers in the insurance sector. To gain more insight into the company's performance, consider the following key features:
- The company has tie-ups with more than 10,000+ hospitals.
- It has a presence in more than 400+ locations.
- Has a Solvency Ratio of 2 as per the IRDAI annual report 2021-22.
- The claim support (claim settlement ratio) of Navi Health Insurance is 99.99%.
- As per the IRDAI annual report 2021-22, the annual premium of Navi Capital Health Insurance is ₹106.57 Crore.
- It offers a hassle-free 20-minute claim settlement process for both cashless and reimbursement claims.
- The insurer offers plans with a Sum Insured (SI) of up to ₹1 Crore.
Why Choose Navi Health Insurance?
Why Should You Buy from PolicyX.com?
With many buying options available, you might wonder why to choose PolicyX.com. Here's why:
Top Reasons to Buy Navi Health Insurance Policy
Navi Health Insurance plans offer multiple advantages. Here are some top reasons why many choose Navi:
Choose Navi Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Navi Health Insurance
It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer. It also mentions the Network Hospitals
What's covered — and what's not
The standard inclusions and exclusions across Navi Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Pre and Post Hospitalization Expenses Navi understands the impact of rising medical expenses, covering in-patient hospitalization expenses, including pre and post-hospitalization.
- AYUSH Treatments Most Navi Health Insurance plans include alternative treatment cover, which policyholders can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy.
- Hospitalization Expenses Navi health insurance plans cover hospital expenses such as room rent, ICU charges, surgery expenses, and doctor consultations.
- Day Care Treatments Many procedures do not require 24-hour hospitalization. A majority of Navi health insurance plans are designed to cover daycare procedures for policyholders.
- Domiciliary Hospitalization Upon a doctor's recommendation, policyholders can receive medical care in the comfort of their home. Navi health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Self-Inflicted Injuries Navi's health policies do not cover injuries or hospitalization caused by self-harm.
- Cosmetic Procedures Navi Health Insurance plans do not cover cosmetic surgeries or treatments.
- Adventure Sports Navi Health Insurance plans do not cover hospitalizations or accidents caused by adventure sports.
- Obesity or Weight Control Treatments Navi Health Insurance plans generally do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Involvement In Illegal Activities Navi health insurance plans do not cover individuals or families for hospitalization or injuries caused by unlawful activities.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
To buy a Navi Health Insurance policy, you have two options: purchase directly from the Navi app or buy from PolicyX.com.
- Fill in your details in the 'Calculate Premium' form.
- The next page will display all available plans.
- Choose the Navi health plan and click on 'Buy Now'.
- Pay the premium, and your policy document will be shared with you on your registered email ID.
- Visit Google Play Store or Apple App Store.
- Download the 'Navi Health Insurance' app.
- Verify your contact details.
- Enter the requested information.
- Choose from the list of available plans.
- Choose payment terms.
Navi Health Insurance offers an easy and convenient claims settlement process. Policyholders can choose either cashless or reimbursement claims:
- Notify the company about your claim request by calling its toll-free number or sending an email.
- For planned hospitalization, notify the company at least 48 hours prior to admission.
- In case of emergency hospitalization, the claim notification should be sent to the company within 24 hours of admission or before discharge, whichever is earlier.
- Provide your health card along with photo identification proof to the hospital authorities.
- Duly fill out the cashless request form and submit it to the hospital.
- The pre-authorization request form will be sent by the hospital to the TPA's cashless department.
- At the time of discharge, the hospital will forward a final authorization request.
- Discharge will be processed upon receipt of the final authorization letter by the hospital.
- Once approved, the payment will be made directly to the network hospital.
If you are admitted to a non-network hospital, you must pay the hospital directly after the treatment is completed.
- Customers are required to settle all hospital bills.
- At the time of discharge, collect all important documents provided by the hospital, including the discharge summary and bills.
- Submit all these documents to the company or Third-Party Administrator (TPA) within 15 days from the date of discharge.
- The company will verify all documents. Upon approval, the claim amount will be released.
Frequently asked questions
The 10 most-asked questions about Navi Health Insurance, answered.
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Customer satisfaction
Aggregate ratings from 2,705 verified PolicyX customers who bought a Navi Health Insurance plan.
Health Insurance Premium Calculator
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Health Insurance Articles
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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