Health Insurance for Surgery

Keep your worries away during any crisis like surgery with health insurance for surgery.

What is Health Insurance for Surgery?

Some diseases and medical conditions leave you with no other option but surgery. During such times, a health insurance for surgery can help cover the expenses and reduce the financial burden.

With Navi, you can purchase a health insurance plan for surgery for yourself, legal spouse, dependent children, parents and/or parents-in-law. The benefits include pre- and post-hospitalisation medical expense coverage, cashless treatments at more than 10,000 network hospitals and fast claim settlements.

Features and Benefits of Health Insurance Policy for Surgery

Features and Benefits of Health Insurance Policy for Surgery

Before signing up for any insurance plan, it is imperative to learn all its benefits and features. Here’s what Navi Health Insurance offers:
File for cashless claims for the costs incurred at one of our 10,000+ network hospitals. You need not make out-of-pocket payments to the hospital. Navi will take care of the costs on your behalf.
Everything is done electronically, including purchasing health insurance and submitting cashless claims. Download the Navi app to register.
Receive a cumulative or No Claim Bonus for each year you don’t make a claim. A portion of the insured amount is carried over to the following policy year if you don’t submit any claims within a given policy year.
Obtain an additional amount for the inpatient treatment of an accidental injury of the insured person resulting from a traffic accident.
Navi provides automatic restoration of up to 100% of the base sum insured in a policy year, as stated in the policy document.
Affordably protect your family with coverage ranging from ₹2 lakh to ₹1 crore, and take advantage of the option to pay your premiums in EMIs starting at ₹235 per month.
Get an extra 5% off on your premium at the time of policy renewal if you walk an average of 4000 steps daily for at least 250 days.
*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 Health Insurance for Surgery?

Comprehensive health insurance for surgery protects your finances against unforeseen medical expenses.
Here are the reasons you need health insurance for surgery:

Financial Protection

Safeguard your savings from overwhelming medical expenditures with health insurance for surgery.

Covers Entire Family

Insure every family member under one plan or opt for an individual health plan.

Cost-Effective Premiums

Paying premiums for your health insurance is never a problem with Navi, thanks to affordable EMI options starting at ₹235 per month.

Claim Tax Benefits

Take advantage of section 80D of the Income Tax Act to receive tax benefits on your insurance premium and reduce your tax liability.

Keep Yourself Safe from Lifestyle Diseases

For most people, heart ailments leading to surgery have become very common. A surgery insurance policy will shield you from the costs of treating such diseases.

How to Buy a Health Insurance for Surgery Policy?

Looking to buy surgery insurance for yourself and your family? Download the Navi app to access various benefits and features of health insurance with surgery cover.

Follow these simple steps to buy Navi Health Insurance for surgery:

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
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 Health Insurance for Surgery Policy?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claims for Health Insurance for Surgery?

How to File Claims for Health Insurance for Surgery?

Navi allows you to choose both cashless and reimbursement claims. The process is very simple. Check out the steps below to file your claims.
  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 the claim status through the 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

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 have to complete a 30-day waiting period before you can file a claim for surgery. Health insurers cannot deny your claim for pre-operative and non-medical expenses incurred more than 30 days before the surgery. The state consumer forum has mandated that Mediclaim insurance policies cover all pre-surgery charges, such as doctor consultation fees and medical testing, among other things.
Suppose you do not have health insurance and you go to the hospital for any treatment. In that case, you will be charged for all medical services, including doctor fees, hospital and medical expenditures, and payments to specialists. The bills can spiral out of control without an insurer to bear part or perhaps the majority of those expenditures.
You are eligible to purchase health insurance between the ages of 18-65. If your insurance company has the option, medical insurance can potentially be purchased even at the age of 70 or higher in some unusual cases. The only catch is that the health insurance premium will increase as you grow older.
Yes, it is required. You must disclose your proof of income to the insurance company to determine the insurance amount and confirm that you can pay the premium on time. Once you’ve agreed on a policy, the insurer will request the necessary documentation for health insurance. Health insurance paperwork needs proof of the policyholder’s identity, age, medical history and income.
There is no specific number of claims that you can file in a year. If you have health insurance coverage, you may submit as many claims as you like during the course of the policy as long as they don’t exceed the maximum amount insured. The policyholder is only eligible for coverage up to the predetermined coverage limit.
If you’ve been safe and healthy and had no claims in a policy year, you’ll be eligible for a compounding bonus of 25% or 50% of the sum insured at the time of policy renewal and up to a maximum of 100% of the base sum insured, depending on your plan. This cumulative bonus raises your sum covered without increasing your premiums.

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