Hospital Cash Insurance

Protect your loved ones from medical emergencies with secure hospicash insurance.

What is Hospital Cash Insurance?

Hospital cash insurance is handy to add foolproof coverage to your existing plan. Your insurance company provides a fixed amount of cash daily to assist with any hospitalisation cost. Such a daily hospital cash policy benefits the patients who need several hospitalisations in a year due to their medical condition. Regular insurance will cover hospital costs to an extent, but you can use a hospital cash insurance policy to meet daily miscellaneous expenses for each day of hospitalisation exceeding 24 hours. It is either part of a basic plan or can be purchased as an additional cover.

With Navi’s Hospital Cash Insurance Policy, you can take care of hospitalisation expenses and avoid a financial crunch during medical emergencies.

Features and Benefits of Hospital Cash Insurance

Features and Benefits of Hospital Cash Insurance

A hospicash insurance covers extra expenses incurred during hospitalisation. Here are the features and benefits of Navi’s hospital cash insurance:
Navi boasts a network of over 10,000 hospitals. Get cashless claims benefits with any of Navi’s network hospitals. Navi will take care of the expenses on your behalf.
Avoid heavy paperwork. From purchasing the policy to claim settlement – the entire process is 100% paperless with Navi Health Insurance.
Enjoy no-claim bonus rewards if you do not make any insurance claim in a given policy year. The part of the sum insured will be added to the next year.
Navi provides an additional sum if the insured meets with a road accident. This policy covers consequential inpatient treatment.
Each year, the base sum you start your insurance with gets automatically restored after the completion of the year.
Get insurance coverage starting from ₹2 lakh to ₹1 crore. You also have the option to pay premiums in EMIs starting from ₹235 per month.
A unique benefit just for you! If you walk an average of 4000 steps per day for a minimum of 250 days, we provide an additional discount of 5% on your premium at the time of 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 Hospital Cash Insurance Policy

Hospital cash insurance covers hospitalisation expenses that a regular insurance plan might not address.
Here’s why you need hospital cash insurance:

Complete Monetary Security

Patients with certain medical conditions require frequent hospitalisations. A daily hospital cash benefit is just what you need to avoid financial complications in such situations.

Cost-Effective

At Navi, we offer absolute coverage on hospital costs with sustainable hospital cash policies, ensuring that you don’t have to pay anything directly to the hospital.

Tax Benefits

Under Section 80D of the Income Tax Act, you can claim tax deductions of up to ₹25,000 for people below 60 years of age and ₹50,000 for senior citizens on the premium paid.

Coverage Against Lifestyle Diseases

Navi Health Insurance policy covers expenses incurred for treating health issues arising from a poor lifestyle.

Comprehensive Coverage

All expenses during hospitalisation, like tests, medicines, room rent and doctor's fees, can be taken care of with the daily money received in the insurance. Personal costs incurred for medical purposes are also covered in this policy.

How to Buy Hospital Cash Insurance

Wondering what a hospital cash benefit is and how it works? Go for Navi Hospital Cash Insurance and sign up for the best plan to aid you during medical crises. Download the Navi app to get started. Follow these steps to buy Navi Health 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 Hospital Cash Insurance

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Hospital Cash Insurance

How to File Claim for Hospital Cash Insurance

Follow the steps below to file cashless and reimbursement claims for your desired insurance plan:
  1. Select the date of your admittance at the very beginning
  2. Stop by your nearest Navi network hospital
  3. Search for the insurance help desk and give them the following details:
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. For reference, always carry your policy documents and ID proof.
  1. Select your preferred date of admittance and hospital first.
  2. Open the Navi App and upload all the required medical documents there
  3. Our claims tracker will help you keep a tab on your claims
  4. Once your claim is approved, you will be notified right away.

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.

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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

The daily cash allowance in hospital insurance depends on different terms and conditions presented by different companies. At Navi, we provide a fixed daily allowance that starts from ₹1000 and goes up to ₹10,000. This money can be used to meet any hospitalisation cost arising from the patient’s medical condition, including surgeries, diagnostic tests, and accommodation.
A hospicash policy can be a family plan or an individual plan. In the case of the former, it will give the daily cash when any of the issued members is hospitalised. While in the case of the latter, the policy only pertains to one single member. A family plan may include the individual policyholder, their spouse, their parents/parents-in-law, their dependent children and unmarried dependent siblings.
Yes, hospicash insurance can be availed while having separate health insurance. In cases where your health condition needs you to be either frequently hospitalised or needs hospitalisation for a prolonged time, it is, in fact, better to have a hospicash policy. In such cases, hospitalisation expenses sometimes become too expensive to cover. These are the times when insurance designed specifically to tend to these needs will come in handy.
An unprecedented ICU admission can come as a financial shock. But having a daily cash policy is a relief since Intensive Care Unit hospitalisation costs more than normal hospitalisation expenses. Moreover, your daily hospital cash benefit will be doubled since ICU admissions are treated as an emergency and a priority.
The deductible is nothing but the amount of money the policyholder has to pay before making an insurance claim. Only after you pay the deductible amount will your insurance company intervene to complete the payments directly to you or the hospital. For example, your base insurance plan will cover hospitalisation and related expenses. After its exhaustion, your daily hospicash plan will pay for any additional expenses, leaving it up to you to use this cash however you want.
While there are no age limits for hospital cash plans, there are certain things hospital cash plans do not cover. If you are hospitalised due to a pre-existing health condition, something you had before you got insured, then the daily cash plan will not cover hospitalisation expenses for that. The same thing occurs if you are hospitalised for any reason during the waiting period before the insurance plan starts.

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