Navi Health Insurance
  • Instant buying via Navi app
  • 10,000 network hospitals
  • Easy Renewal Process
Navi Health Insurance
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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 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, and optional maternity cover, etc.

Why choose 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:

  • Network Hospitals:
    The company has tie-up with more than 10,000+ hospitals. These hospitals allow the policyholders to avail cashless treatments at the time of a medical emergency.
  • PAN India Presence
    With a presence in more than 400+ locations, Navi Health Insurance company ensures that the policyholder can directly visit their nearest branch office for any of their policy-related or claim-related queries.
  • Solvency Ratio:
    Niva Health Insurance has a Solvency Ratio of 2.35 as per the IRDAI annual report 2020-21. The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer.
  • Claim Support
    Claim support of an insurer helps you analyze its claims settling ability. As per the IRDAI annual report of 2020-21, the claim support of Niva Health Insurance is 99.99.
  • Annual Premium:
    As per the annual report of IRDAI 2020-21, The Annual premium of Niva Capital Health Insurance is 104.40 Cr.
Star Health Insurance Key Features
Navi Health Insurance

Navi Health Plan

A comprehensive health insurance plan that can be opted on an Individual or Non-Floater or Family Floater basis.

Unique Features

  • Modern Treatment Available
  • AYUSH treatment available
  • Organ Donor Expense covered

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 the Company

  • Visit Google Play Store or Apple Store
  • Download the app 'Navi Health Insurance.
  • Verify contact details.
  • Enter requested information.
  • Choose from the list of plans available for you.
  • Choose payment terms.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form
  • The next page will show all the 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.

Alternatively, you can buy their policies through third-party intermediaries like agents and brokers.

As discussed above, Navi General insurance company utilizes the digital approach for selling its insurance products to customers. There's no need for any paperwork as customers can have access to all the services of the company within just 2 minutes.

Why 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.
WWhy Should You Buy the Star Health Insurance Plan from Policyx.com?

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

  • Notify the company about your claim request by calling its toll-free number or writing 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 to the hospital or before discharge whichever is earlier.
  • Provide the health card along with photo identification proof of the policyholder to the hospital authorities.
  • Duly fill out the cashless request form and submit it to the hospital.
  • Pre-authorization request form will be sent by the hospital to the cashless department of TPA.
  • At the time of discharge, the hospital will forward a final authorization request.
  • Discharge will be done post receipt of the final authorization letter by the hospital.
  • 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.

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

How To Contact Navi Health Insurance

Navi health insurance customer care is 24*7 available to look after your queries. To get in touch with Navi health insurance customer care, opt for the below methods:

Registered office: Salarpuria Business Centre, 4th Floor, 93, 5th A Block, Koramangala Industrial Layout, Bengaluru, Karnataka - 560095

insurance.help@navi.com

+91 81475 44555

Health Insurance Articles

Navi Health Insurance: FAQs

1. Can I avail myself tax benefits with Navi health insurance plans?

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

2. Can I cancel my policy after purchasing it?

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.

3. 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.

4. 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.

5. 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.

6. 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.

7. What is the timeline for submitting Pre and Post Hospitalization Claims?

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.

8. Which Critical Illnesses are covered under 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

9. What would happen if I forgot to pay my Navi Health Insurance policy Premium on time?

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.

10. 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.

11. Will I get covered under a Navi Health Insurance plan if I am advised to take prolonged hospitalization?

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

12. Is Navi Health Insurance a reliable company?

With the claim settlement ratio of 99.99% in 2020-21, it can be interpreted that Navi Health Insurance company understands the importance of claim settlement and offers quick and hassle-free claim processing.

13. 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.

14. How is the premium calculated?

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.

15. What services are included in daycare treatments?

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.

Navi Health Insurance Reviews

Read what our customers have to say about Navi Health health insurance company

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vanita

Indore

February 24, 2022

Me and my husband met with accident and got injured during night. we admitted to the non-network hospital but the company paid reimbursement for our medical bills on time.

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Sonam Gandhi

Jaipur

September 6, 2021

Best comany. Have brought one health plan for every member of my family, including my parents in-laws as well as my parents.

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Purvi Choudhary

Chandigarh

August 30, 2021

I bought the health policy from Navi General in 2018, and I must say that the company assisted me at every single step patiently and even helped me out to choose an ideal coverage as per my nee...

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Kiran Manish Dhaiya

Bhopal

August 30, 2021

Thankyou PolicyX.com for helping me in choosing this amazing health company. I have not made any claim since I have bought this policy. Very lucky for me.

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Vivek Dhaiya

Chandigarh

August 30, 2021

A class plan. Bahut varieties deti hai company health plans ki. Go and buy your policy now. 5 stars from my side.

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Pritam Negi

Agra

August 30, 2021

My sister told me to buy Navi Health Policy. For the last 2 years, I have had this policy. Very good customer service.

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Avinash Sinha

Bhopal

August 30, 2021

My father-in-law suggested me to buy a Health plan from Navi General. Happy to say that the company offers various benefits and I am totally satisfied with the policy. Good going.

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Devi Kumari

Indore

August 30, 2021

Simply loved the way the Navi General cares for its customers. If you are looking for a trustworthy company, this is 100% for you.

View All Navi Health Insurance Reviews