Cashless Health Insurance

Keep your family financially ahead in times of uncertainty with the cashless Mediclaim policy

What is Cashless Insurance?

Cashless insurance is a unique feature of insurance policies where the policyholder does not have to pay a single dime from their pockets for hospital and medical bills. The insurance company directly settles the hospital bills from the insured amount.
However, the policyholder must notify the insurance company 48 hours before hospitalisation and 24 hours in the event of an emergency.

The bill payment gets taken care of under the guidance of the Third Party Administrator (TPA) in any of the hospitals provided under the policy. The policyholder must carry a cashless health card and identity proof for further verification.

Check out Navi if you consider buying a policy with the best cashless health insurance feature. With over 10,000 network hospitals, paperless registrations, a 97% claim settlement ratio, and many more, Navi offers a comprehensive cashless Mediclaim policy for your family.

Features and Benefits of Cashless Health Insurance Plan

Features and Benefits of Cashless Health Insurance Plan

Some benefits under the Navi cashless health insurance plan for you and your family are:
Navi offers a network of over 10,000 hospitals under the family cashless insurance policy. You have the freedom to choose any hospital from the list of network hospitals. Navi will take care of all the medical bills.
Download the Navi app and forget about the hassle of heavy paperwork. From signing up to claiming benefits, all gets done digitally in a seamless manner.
Suppose you raise no claims in a policy year. Navi offers a cumulative or No Claim Bonus for a claim-free year, where a certain percentage of the insured amount gets added at the time of renewal.
Under cashless medical insurance, you can also get inpatient treatment for any of your family members who have met with road accidents.
If, due to medical needs, you exhaust the whole base sum in a policy year, Navi has you covered. We offer up to 100% automatic restoration of the base sum as per the policy guidelines.
Navi offers a coverage range from ₹2 lakh to ₹1 crore, with monthly premium EMIs starting as low as ₹235/month.
Navi has brought a unique feature with its cashless medical insurance. If you cover an average of 4000 steps per day for at least 250 days, Navi rewards you with a 5% discount on the premium at the time of your policy renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Cashless Health Insurance Policy?

In times of medical emergency, a cashless mediclaim policy can save you and your family from a lot of trouble.

Financially Protected

Unforeseen health conditions can rise at any moment. High medical costs can force you to drain your savings. Cashless health insurance plans can save you from emotional and financial damage.

Budget Premiums

Navi offers highly affordable premiums. Under a family cashless Mediclaim, all members get insured with the payment of a single premium.

Tax Benefits

Under Section 80D of the Income Tax Act, you can claim tax deductions of up to ₹25,000 for members under the age of 60 and ₹50,000 for senior citizens.

Protection From Lifestyle Diseases

Our faced paced life directly impacts our family members and us. Navi keeps you protected from diseases that can occur due to changing lifestyles.

Family Coverage

A family cashless health insurance plan is not only cost-effective but also safeguards all family members.

How to Buy a Cashless Health Insurance Plan?

If you are thinking of buying a cashless insurance plan, then you should check out Navi Health Insurance. With its paperless procedures and affordable premiums, it provides maximum benefits. Follow the steps below to buy Navi Critical Illness Insurance
Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
Pay insurance premiums via EMIs at ₹235 per month
Get instant access to your policy-related documents

How to Buy a Cashless Health Insurance Plan?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File a Claim for a Cashless Health Insurance Plan?

How to File a Claim for a Cashless Health Insurance Plan?

Getting cashless claims and reimbursements under Navi is an effortless process. Follow these steps to file a claim:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track your claim with our claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

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Manipal Hospital

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Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

Navi will send reminders about the monthly premium before the due date. However, if you miss the due date for the monthly premium due to any unforeseen reason, Navi will provide you with a grace period of 15 days. You will not get coverage within the grace period. Your policy will lapse If you cannot pay within the grace period.
It is quite impossible to keep track of things during emergencies. Navi understands this situation and offers full cooperation. If you or any of your family members get admitted to a non-network hospital, you have to raise a request for a reimbursement claim. Submit the claim along with the proper documents, and Navi will take care of the hospitalisation bills.
If you are unsatisfied with the policy coverage or want to opt for any other policy, you can surely cancel it after purchase. You should always look for the one with maximum benefits. The refund process will initiate shortly, and all other essentials will be taken care of by Navi.
After buying a policy, you have to wait for a certain period of time, after which you can make claims or avail benefits. This timeline is the waiting period and varies with the insurance plan. For instance, a person applying with pre-existing medical conditions must wait longer than a person with no such criteria.
Several factors can affect premium renewal. During renewal, you can decide to increase the sum insured, or you may want to add or exclude a family member or opt for add-ons. These factors can increase the amount of the premium during renewal. If you or any of your family members have pre-existing medical conditions, that can also affect the premium.
Contact the TPA or insurance desk in the network hospital, and they will resolve the problems. Do not forget to bring all the claim-related documents, your health card, and identity proof while applying for the claims. Once the verification process is complete, you will get the claim amount within a short time.

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