Top Up Health Insurance

Add a top-up plan to your health insurance to assure the best coverage you can get.

What is a Top-Up Health Insurance Plan?

A sudden health crisis in the family may lead to complete exhaustion of the sum insured of your existing health insurance. But if you still need money to cover the treatment expenses, you can add a top-up plan to your pre-existing health insurance plan. Health insurance companies have health top-up plans to help their policyholders.

A top-up plans are the best way to go if you want to increase your family plan’s insured amount. It also works for individual plans. Just download the Navi app and sign-up for top-up insurance.

Features and Benefits of Top-Up Health Insurance

Features and Benefits of Top-Up Health Insurance

Navi’s top-up policy offers many benefits to your family or individual health plan. Here is a list of its features and benefits:
The top-up Mediclaim policy of Navi offers you a chance to increase the sum insured amount of your pre-existing health insurance, thus giving you more coverage for emergency medical issues. This means that if you run out of coverage from your previous insured sum, you can use the top-up money for the treatment.
Skip the heavy paperwork while getting your top-up policy. If you already have insurance and the Navi app downloaded, follow some simple steps to get a top-up plan added to your insurance.
With the rising cases of COVID-19 in the country, you need a health insurance plan that offers coverage for pandemic-related health issues as well. Navi’s top-up health insurance policy offers coverage for COVID-19-related treatment costs.
Navi has more than 10,000 network hospitals all over the country. You can avail of cashless treatment at any network hospital if you have the Navi’s top-up health insurance plan. Meaning, you don’t have to pay anything from your own pocket.
Navi’s top-up plan offers exciting tax deductions on premiums paid under section 80D of the Income Tax Act of India.
Enjoy flexible deductibles. You can choose to pay them only once. It also allows you to raise claims multiple times as per your policy terms. The policyholders can also choose a limit for the deductible amount depending on the existing health insurance plan.
*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 Top-UP Mediclaim Policy?

An extra top-up added to your insurance ensures that you will gain almost full coverage for all the treatments your family might need. It’s an efficient safeguarding method against medical emergencies.

Extra Coverage

Old age can bring a lot more ailments and uncertainties. Staying protected at all times is the wisest choice. A top-up plan might be the best idea. Getting an insurance policy with more coverage to protect not just yourself but your family too will leave you stress-free.

Easy Claim Process

With most of Navi’s insurance policies processed online without any heavy paperwork, our insurance claim procedure also happens online and without a hassle. You can claim your coverage money easily without breaking a sweat.

Range of Coverage

Navi’s top-up plan offers a whole array of coverages such as daycare treatments, in-patient hospitalisation, pre and post-hospitalisation coverage and much more. This makes it one of the best top-up health insurance plans in the market.

Flexible Claim Options

We want you to have flexible claim options in case you need them. Navi offers cashless and reimbursement claim options.

Optional Coverages Available

Extra coverages are optional but available in case you want to get one added to your coverage. Just talk to your insurance advisor and choose a plan that is best for you.

No Hidden Charges

We do not have any hidden charges. Read all the terms and conditions before you get the insurance to avoid any surprises.

Tax Benefits

You can claim tax deductions of up to ₹25,000 on your top-up plan under Section 80D of the Income Tax Act of India.

How to Buy a Top-Up Medical Insurance Plan

If you are looking for a top-up plan to increase your health insurance coverage, then the Navi’s top-up plan is the way to go.
Just download the Navi app and follow these simple steps:

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 Top-Up Medical Insurance Plan

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Top-Up Health Insurance Plan

How to File Claim for Top-Up Health Insurance Plan

Both cashless and reimbursement claim options are available under Navi’s top-up plan. Here is how you can file a claim for both methods easily:
  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

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

Trusted by Millions of Users

1 M+
App Downloads
1 L+
Loan Sanctioned
1 Cr+
Loan amount disbursed
1 L+
Active Loans

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

A top-up in health insurance is just an addition to your pre-existing health insurance plan to ensure that your coverage is increased and can take better care of your and your family’s medical emergencies. With constantly increasing medical costs, a top-up plan is used when you think your current plan will not suffice for your family in times of crisis.
A network hospital is one that is connected to an insurance provider through an agreement. They offer cashless treatment to policyholders who visit them for treatment. A network hospital is a very important part of any health insurance provider. Navi has over 10,000 network hospitals across the country where our policyholders can go to get treated through a cashless process.
All health insurance plans come with some inclusions and exclusions that you need to be aware of before you get the insurance plan. Similarly, the Navi top-up plan also has some exclusions that you need to be aware of. It does not cover plastic surgery, experimental treatment, dental treatment without hospitalisation and drug/ alcohol abuse-related medical emergencies. Read the terms and conditions of the Navi top-up health insurance policy to know more.
Navi offers cashless treatment options for our insurance holders. You can visit any Navi network hospital in your vicinity and present them with your insurance papers. If your emergency is covered under the agreement, then you can avail of cashless treatment in that hospital.
Yes, top-up and top-up plans work the best for family health insurance plans. With the rise in medical costs, you cannot always depend on your old family health insurance plan for full treatment coverage. It is in your family’s best interest to get a top-up plan that will significantly increase coverage.
Yes, deductibles are quite flexible in top-up plans. You can choose to get a higher deductible if your policy terms agree with it. You can also get a top-up without a pre-existing health plan. In that case, you will have to pay the expenses for your treatments until you go over the deductible amount.

Blogs

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Read More
How To Claim Health Insurance And What To Do If The Claim Is Rejected?

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Read More
10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Mar 07

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

The perks of health insurance for parents include a higher insured sum and full coverage for a wide range of ailments arising due to age.

Read More
Features & Benefits Of Different Types Of Health Insurance Policies

Apr 30

Features & Benefits Of Different Types Of Health Insurance Policies

Health insurance offers financial protection in case of medical emergencies that may arise due to an accident or critical illness.

Read More

Explore our videos

What is Auto Restoration? | Auto Refill Benefit in Health Insurance | Navi Health Insurance
Navi Health Insurance - Policy Benefits, Exclusions, Waiting Period | Navi
How to save Income Tax with Health Insurance | Section 80D of I-T Act | Hindi | Navi-pedia videos
What is Auto Restoration? | Auto Refill Benefit in Health Insurance | Navi Health Insurance
Navi Health Insurance - Policy Benefits, Exclusions, Waiting Period | Navi
How to save Income Tax with Health Insurance | Section 80D of I-T Act | Hindi | Navi-pedia videos