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Navi Health Insurance Claim Settlement Ratio
Checking the Navi Health Insurance Claim Settlement Ratio is one of the most important factors to consider before buying a policy from Navi Health Insurance. Having a clear picture of how the company performs can help you and your family avoid stress during an unexpected medical emergency.
In the article below, we will discuss the Navi General Insurance Claim Settlement Ratio.
What is the Claim Settlement Ratio?
The Claim Settlement Ratio (CSR) indicates the proportion of health insurance claims settled by an insurer during a financial year against the total number of claims raised. This factor gives you an idea of the reliability of the health insurance company. Every year, the Insurance Regulatory and Development Authority of India (IRDAI) releases the claim settlement details of general and health insurance companies, enabling customers to analyze the claim settlement ratios of all insurance providers in India and make an informed decision for their future.
Navi General Insurance Claim Settlement Ratio
Now that you know what the claim settlement ratio is, let us give you an insight into Navi Health Insurance’s claim settlement performance. For health insurance companies, this ratio is published for different periods, such as less than 3 months, 3 to 6 months, and up to 5 years. The table below shows the current Navi Health Insurance Claim Settlement Ratio across these timeframes.
Status of Navi Health Insurance Claim Settlement Ratio - 2025-26
| Financial Year 2021-22 | ||||||
| Age Analysis of Number of Claims Paid (%) | < 3 months | 3 months to 6 months | 6 months to <1 year | 1 year to <3 year | 3 years to <5 years | 5 years |
| Claims Settled | 99.97 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 |
What is the Claim Procedure of Navi Health Insurance Plans?
The claim process of Navi Health Insurance is designed to be simple and digital-friendly.
- Cashless Claims: where the insurance company settles medical bills directly with the hospital, significantly reducing the burden on customers.
- Reimbursement Claims: where policyholders first pay their medical expenses arising from hospitalization and then raise a reimbursement claim by submitting the necessary medical bills and documents.
The claim procedures for both these methods are described below.
Cashless Claim Procedure
- Inform 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 before admission. For emergency hospitalization, notify the company within 24 hours of admission or before discharge, whichever is earlier.
- Provide the health card along with photo identification proof of the policyholder to the hospital authorities.
- Fill out the cashless request form and submit it to the hospital.
- The hospital will send the pre-authorization request form 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.
Reimbursement Claim Procedure
- Customers must settle all hospital bills.
- At the time of discharge, collect all important documents from 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 the documents. Upon approval, the claim amount will be released.
