Critical Illness Insurance

Critical illness health insurance ensures world-class treatment in case of a critical illness or disease.

What is a Critical Illness Insurance Plan?

A critical illness can strike anyone anytime. It requires specialised doctors and expensive treatments, which can wreak havoc on your savings. A regular health insurance policy will only cover the hospitalisation bills and not the costs that will follow. This is where critical illness health insurance comes into play. It provides a lump sum amount to the person diagnosed with a life-threatening disease from the insured amount.

The money is then used for doctor consultations, regular health checkups, medicines, and much more. If you are thinking about purchasing a critical illness policy, you may consider Navi’s Critical Illness Health Insurance.

With zero paperwork and no agents in the middle, Navi provides health insurance policies within a few minutes. With a network of over 10,000 hospitals, the benefits of purchasing a health insurance policy from Navi are limitless.

Features and Benefits of Critical Illness Insurance

Features and Benefits of Critical Illness Insurance

With a 97% claim settlement ratio, some of the handpicked features and benefits of critical illness insurance provided by Navi are:
Navi boasts a network of 10,000+ hospitals across the country, in which you can opt for cashless claims for the expenses incurred. You can select a hospital of your choice and not have to pay the bills from your pocket. Navi will take care of it!
No more heavy paperwork. From buying the policy to filing claims, the entire process is online. Just download the Navi app and sign up.
Enjoy no-claim bonus for every claim-free year! Navi provides its customers with a hefty percentage of the accumulated sum when they renew their policy for the next year.
For any injuries due to road accidents, Navi provides additional sum insured for inpatient treatment.
Navi, with its restoration feature of the base sum up to 100%, safeguards its policyholders. If the entire insured amount gets exhausted during a policy year, it is automatically restored without any hassle.
*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 a Critical Illness Insurance Policy?

A critical illness insurance plan is a great way of making sure to live a tension-free life.
Some key points on why you need a critical illness policy are:

Financial Protection

The financial drain incurred in treating critical illnesses is inescapable due to rising medical costs. Having a critical illness cover policy will save that drain and provide you with some breathing space.

Coverage for Entire Family

All members of your family get protected under a single policy, and you will have to pay only a single premium amount.

Cost Efficient

A critical illness plan is cost-efficient and provides all-around protection for individuals and family members undergoing treatment for a critical illness.

Tax Savings

Using Section 80D of the Income Tax Act on the premium paid, an amount of up to ₹25,000 can be claimed as a tax deduction. For senior citizens, the amount is up to ₹ 50,000.

Security from Lifestyle Diseases

In today’s rapidly changing world, everyone has a fast-paced lifestyle. This makes people more prone to severe health issues. Having a critical illness cover can provide financial security for such health issues.

How to Buy Critical Illness Insurance?

Thinking of getting a critical illness health insurance plan? Look no further and avail yourself of the services of Navi.

Follow the steps below to purchase Navi Critical Illness Insurance:

Download the Navi app from Play Store or App Store
Our insurance advisor would ask you a few simple questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

Features and Benefits of Critical Illness Insurance

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Critical Illness Insurance Plan

How to File Claim for Critical Illness Insurance Plan

With Navi, you can opt for both cashless claims and reimbursement. The process for filing claims includes:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Look for the insurance help desk and give them the following details:
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select date of admittance and hospital
  2. Upload all the required 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

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

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

You can get insurance up to ₹1 crore of coverage for a critical illness policy. But it is not mandatory for you to sign up for ₹1 crore. Choose the amount that you deem fit.
While getting the Navi Health Insurance, declare the pre-existing conditions to the insurance advisor to prevent any unpleasant surprises during the claim process. Note, the premium and waiting period may vary if you have a pre-existing condition.
In co-pay, the policyholder pays a part of the hospitalisation bills along with the insurer. Navi offers 100% of the bill payment up to the sum insured, making it the best critical illness policy.
A cumulative bonus is a reward given to the policyholder if they stay in good health conditions and do not file a claim in the policy year. When renewing the policy, up to 50% of the sum insured can get added without any increase in the premium.
The deductible is the amount you have to pay yourself for medical costs before making an insurance claim. The policymakers will only start paying if the amount claimed exceeds that of the deductible.
If it is a single policy, then the number of members that can get insured is up to two. If you choose a family critical illness cover policy, your spouse, children (up to the age of 18), parents, and parents-in-law can all get covered.

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