Navi Health Insurance

  • Instant buying via Navi app
  • Myriad benefits
  • Easy Renewal Process
Navi Health Insurance
premium

Network hospitals

10000+

premium

Claim settlement ratio

99.99%

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Sum insured

Up to 1 CR

premium

No. of Plans

7

premium

Solvency Ratio

2

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Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Claim settlement ratio

99.99%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

7

premium

Solvency Ratio

2

premium

Pan India Presence

-

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, and optional maternity cover, etc.

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Navi Health Insurance

Navi Health Insurance

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:

  • 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:
    Navi Health Insurance has a Solvency Ratio of 2 as per the IRDAI annual report 2021-22. 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 2021-22, the claim support of Navi Health Insurance is 99.99%.
  • Annual Premium:
    As per the annual report of IRDAI 2021-22, The Annual premium of Navi Capital Health Insurance is 106.57 Cr.
  • 20 Minute Claim Settlement
    Navi Health Insurance offers a hassle-free 20 minute claim settlement process for both reimbursement claims and reimbursement claims. It is a simple process wherein you can visit the nearest insurance help desk at a Navi network hospital, and provide the necessary details like policy number and ID proof for the claim settlement.
  • High Sum Insured:
    Navi Health Insurance Plans offer insurance holders to opt from a wide range of sum insured options. The insurer offers plans that can offer SI up to 1Cr.
Navi Health Insurance Key Features

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

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.

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

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 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 Reviews

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

Customer Review Image

Mohit Singh

Kochi

1 days ago

I wanted to buy a health insurance policy as I have turned 27 and was planning to get married. PolicyX suggested me Niva Bupa Aspire plan, which will cover me as well as my future wife. They he...

Customer Review Image

Vicky Choudhury

Belgaum

October 5, 2023

PolicyX.com s platform simplified my search for health insurance, and Navi Health Insurance offered the ideal coverage. I m grateful for their services.

Customer Review Image

Veer Singh

Jamshedpur

October 5, 2023

I was pleasantly surprised by the ease of purchasing Navi Health Insurance through PolicyX.com. The policy offers peace of mind, and the premiums are reasonable.

Customer Review Image

Varun Kapoor

Madurai

October 5, 2023

PolicyX.com and Navi Health Insurance make a great team. I received personalized assistance and found a health insurance plan that fits my family s needs perfectly.

Customer Review Image

Urvashi Patel

Agra

October 5, 2023

I appreciate PolicyX.com for introducing me to Navi Health Insurance. The policy has been a lifesaver in times of need, and the claims process is efficient.

Customer Review Image

Uday Joshi

Dehradun

October 5, 2023

I ve been a satisfied customer of Navi Health Insurance through PolicyX.com for three years. Their commitment to customer service and coverage options is impressive.

Customer Review Image

Tarun Nair

Coimbatore

October 5, 2023

Navigating the world of health insurance can be confusing, but PolicyX.com s interface made it straightforward. Navi Health Insurance had everything I needed.

Customer Review Image

Tanvi Reddy

Bhopal

October 5, 2023

I ve recommended Navi Health Insurance through PolicyX.com to all my friends and family. The coverage options and ease of purchase are unbeatable.

View All Navi Health Insurance Reviews