Personal Accident Insurance

Protect yourself from life’s uncertainties with personal accident insurance coverage

What is Personal Accident Insurance?

An accident is an unfortunate incident that could occur anytime, anywhere resulting in damage, injury, and in unfortunate cases, death. A personal accident policy provides coverage if an insured person meets with an accident, resulting in death or permanent or temporary disability. Financial protection is offered by personal accident insurance, and depending on the insurer, it provides a daily cash allowance up to a certain number of days and covers pre and post-hospitalisation bills. Depending on the policy you pick, personal accident insurance protects you in case of a loss of income for a set amount of time. Navi provides all-inclusive medical coverage, cashless medical care, 100% hospital bill settlement and exposure to a larger insured amount.

Features & Benefits of Personal Accident Insurance

Features & Benefits of Personal Accident Insurance

What’s fantastic about Navi Health’s personal accident insurance? Here are the features and benefits:
We have a network of 10,000+ hospitals in which you can opt for cashless claims for the expenses incurred. You don’t have to pay anything to the hospital from your pocket. Navi will take care of the expenses on your behalf.
No heavy paperwork. With Navi, the entire process – from purchasing the policy to claim settlement – everything is done online in a 100% paperless manner. Just download the Navi app and sign up.
Enjoy a cumulative or No Claim Bonus for each year if you don’t file a claim in a year. A percentage of the insured amount would be carried forward to the following year.
Navi offers an additional sum insured if the policyholder sustains an injury alone and specifically due to a road accident.
In a policy year, you will gain up to 100% of the base sum covered, as stipulated in the policy agreement.
You will get coverage ranging from ₹2 lakh to ₹1 crore for personal accidents. Enjoy the flexibility to pay your premiums in EMIs starting at ₹235/month.
An exclusive benefit for you! If you walk an average of 4000 steps per day for at least 250 days, you get a 5% discount 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 A Personal Accident Insurance Policy?

Accidents are unfortunate and unpredictable. A split second may change the course of life drastically.
Therefore, it is essential to get reputable personal accident insurance coverage

Get Financial Protection

The price of medical treatment is skyrocketing. With personal accident health insurance, you can safeguard your finances from the high medical costs incurred during hospitalisation or other medical expenses.

Low-cost Premiums

Navi offers relatively affordable premium alternatives, and you may even pay for them with monthly EMIs starting at ₹235. This guarantees that you won't be paying a sizable premium all at once.

Full Accident Coverage

Under the terms of the insurance contract, a personal accident cover will provide compensation in the event of physical harm, fatalities, or any type of permanent disability brought on by accident. IRDAI specifies a ₹15 lakh limit for the coverage. In the event of an unexpected death caused by an accident, the insurance company will pay the nominee the whole amount insured.

Simplified Claim Process

A vital feature that a policy buyer looks for in an insurance policy is a simple claim procedure since a person would not be able to use their insurance in an emergency if it had a complicated one. You may apply for a covered insurance application for the covered insurance over here online or offline, and the business will verify it before paying the claim.

Protection Against Lifestyle-Related Health Conditions

Our lifestyle has changed drastically, and as a result, lifestyle disorders are on the rise. Accident insurance protects you against the expenditures required to care for such illnesses, preserving your financial stability. Additional advantages under a personal accident policy include a copay that lowers your premium, a cumulative bonus that increases your insured amount after a certain number of claim-free years, and others.

How to Buy a Personal Accident Insurance Plan?

With Navi, it is easy to buy a personal accident insurance plan. Just follow these steps:
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

How to Buy a Personal Accident Insurance Plan?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claims for Personal Accident Insurance?

How to File Claims for Personal Accident Insurance?

You can choose between reimbursement claims and cashless claims with Navi health insurance. It’s a fairly simple and quick approach, and the steps of filing claims are as follows:
  1. Select your admission date
  2. Visit the nearby Navi Network Hospital
  3. Locate the insurance help desk and provide them with the information below:
    • Insurer- Navi General Insurance
    • TPA- Medi Assist
  4. Ensure that you have a copy of your policy and self-identification handy
  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

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

At the scene of the accident, gather information, obtain witnesses, let close ones know what happened as quickly as possible and keep all the medical slips handy. You can claim insurance policies for personal accidents for both individuals and groups by following the above steps and receive quick resolutions from your insurer’s end.
Yes, you may buy numerous plans for personal accident insurance. You can get additional security from potential future events with various insurance plans and be assured that all of them will be covered. You can obtain the total of all policies according to the terms and conditions of the insurance company.
You must notify the insurer of the accident as soon as possible to claim your accident insurance policy. This can be done on the insurance company’s official website in simple steps. Generally, it is 12 months from the day of the accident. However, it might depend on individual insurance companies’ guidelines.
The personal accident insurance policy does not cover death, injury, or disability brought on by the following situations like a natural death, pre-existing symptoms, attempts of suicide, or self-harm, taking part in wars, death from childbirth, sexually or genitally transmitted illnesses, playing any violent stunts or sports or other daring activities. etc.
A personal accident insurance policy is made specifically to provide financial protection against accident-related deaths, permanent disabilities, or injuries. Furthermore, significant compensation is offered in the event of a travel mishap. The benefit you choose, as well as how it is defined in the timeline, will determine the extent of the coverage.
The family receives the amount protected under the insurance in the tragic event of the policyholder’s accidental death. This aids in covering household expenditures like the children’s schooling or future upbringing. Only simple paperwork is required; the insurance agency will verify the necessary circumstances and process things thereafter.
Personal injury insurance must be purchased at a minimum age of 18 and maximum age of 65. The age, however, may vary from one insurance provider to the next and from one plan to another. Since the probability of an accident is greater while you are younger, it is preferable to obtain coverage early.

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