Health Insurance plan for a secure future

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What is a Health Insurance Policy?

A health insurance or medical insurance policy offers financial protection in case of medical emergencies that may arise due to an accident or critical illness. You can either reimburse medical bills and hospital expenses or avail of cashless claims via a health insurance plan. Additionally, you can claim tax benefits under Section 80D of the Income Tax Act against your insurance premium.

Navi Health Insurance offers a comprehensive health insurance plan with a host of benefits. You can get cashless claims settled in 20 minutes at 10,000+ network hospitals across India with Navi Health Insurance. Other benefits include 100% coverage of hospital bills, no cap on hospital room rent, unlimited online consultations, medical treatment at home, and more.

Why Choose Navi as your Insurance Partner?

Rising Medical Costs

In recent years, medical inflation has shot up by leaps and bounds. Medicine, hopitalisation and treatment costs are constantly on the rise. A comprehensive health insurance policy could help you meet these expenses without draining your savings

Save on Tax

If you are below 60 years, you claim tax deduction up to Rs.25,000 under Section 80D of the Income Tax Act on the premium paid. Senior citizens can claim tax deduction up to Rs.50,000

Financial Support

A medical insurance plan can provide you financial support in treating critical illnesses. Navi Health Insurance provides cover for pre- and post-hospitalisation expenses, diagnosis costs, medical expenses, and more

Changing Lifestyle Habits

The fast-paced lifestyle has exposed us to several health-related risks. Treating these ailments can be very expensive. Buying a health insurance plan with adequate cover can help you beat such medical costs

Why Navi Health Insurance?

Why Navi Health Insurance?

No lengthy paperwork. Download the Navi app and sign up for the policy
Stay financially protected with pre- and post-hospitalisation cover
Get treated at some of the finest hospitals in India
Option to pay your premiums in easy EMIs
Option to switch your existing policy to Navi and get additional medical coverage via top-up

What Do We Cover?

How to Buy Health 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 & health details
You have the option to pay your insurance premium in EMIs
Get instant access to all policy-related documents

How to Buy Health 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 & health details
You have the option to pay your insurance premium in EMIs
Get instant access to all policy-related documents

Enjoy Hassle-free Claim Settlement in 20 Minutes!

Enjoy Hassle-free Claim Settlement in 20 Minutes!

  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
      • 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

Policy 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*

Your Requirements Matter

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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Different types of Health Insurance

Health Insurance for Senior citizen
Health Insurance for Parents
Health Insurance for Children
Health Insurance for Critical Illness
Health Insurance with Maternity cover
Personal Accident Insurance
Health Insurance for Diabetics
Health Insurance with Cancer Cover
Health Insurance for Surgery
Health Insurance for Heart Patients
Health Insurance with OPD Cover
Hospital Cash Insurance
Cashless Health Insurance
Top up Health Insurance
Super Top up Health Insurance

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Frequently asked questions

You can insure anyone from 91 days old to 70 years old.The maximum age for a dependent child in the policy is 30 years.
You can insure yourself and your family for up to Rs.1 crore* with Navi Health Insurance. However, it’s not mandatory to sign up for Rs.1 crore coverage. You can choose a sum below that as well. Choose the amount that fits your requirement.
You can insure yourself, your spouse, dependent children (maximum age: 18 yr), your parents or your parents-in-law. However, in a single policy the maximum number of adults who can be insured cannot exceed two.
You should declare your medical history and other policy members' medical history to us with accurate details before you buy the policy. We will issue an insurance policy according to our Underwriting Guidelines. Note that there could be some increase in the premium and waiting periods for pre-existing conditions.
Yes, you can purchase more than one policy from us.
A deductible is an amount that you, as a policyholder, have to pay before the insurance provider starts paying. To be precise, the insurance company pays the claim amount only if the amount exceeds the deductible. For instance, if the deductible of your policy is Rs.40,000 and the claim by the insured is Rs.60,000, the insurance company would pay only Rs.20,000.
In the case of co-pay, the insured person has to pay a share of the hospitalisation expenses. We offer you no co-pay coverage, which means we pay 100% of your hospitalisation up to the sum insured if you are below 60 years at the first purchase of the policy.
Yes, Navi offers no co-pay coverage which means we cover 100% of your hospitalisation expenses up to the sum insured.
Waiting period refers to the time period during which you cannot claim insurance benefits. Waiting period for pre-existing diseases could extend up to 3 years. Please refer to your policy schedule to know the exact waiting period for pre-existing illnesses.
Navi doesn’t cover any kind of planned dental surgery or treatment. However, the policy covers dental treatment or surgery owing to an accident leading to hospitalisation.
Sum assured is the pre-defined amount payable by an insurance provider to the policyholder after the end of the insurance term. This is applicable for life insurance policies. Whereas, sum insured is applicable in case of general insurance policies. Sum insured works on the principle of indemnity where the insurance provider covers any damages or loss pertaining to the insured.
Check your policy schedule to view the list of diseases or treatments that are excluded from the health insurance policy.
Cashless claim means you don’t have to pay the hospital in cash for the expenses incurred. We will directly pay the amount to the hospital. However, note that you can avail of this facility only at one of our network hospitals.
There’s no limit or cap on no. of claims as such as long as you have the balance sum insured. Balance Sum Insured means the remaining amount of the policy’s Sum Insured post a claim made. It ranges from Sum Insure amount to Zero.
To initiate a claim you can go to the policy card in our app, click on 'Make Claim' and select the call option from there. We'll assist you with the next steps.
Yes, COVID 19 hospitalisation is covered after 30 days waiting period from the purchase of the policy.
In case of an unfortunate event where you claim the entire sum insured in a policy year, we provide you with a 100% refill of the cover amount, which you can use again for another hospitalisation claim. You will have to wait for 45 days after refill to claim this amount.
If you’ve been safe and healthy and have had no claims made in a policy year, you would be eligible for a cumulative bonus of 25% or 50% of the sum insured at the time of renewal up to a maximum of 100% of base sum insured depending upon your plan. This cumulative bonus increases your sum insured without any premium increase.
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What is Health Insurance?

A few days of hospitalisation could drain all your savings. With soaring medical inflation and rising healthcare costs, buying a health insurance policy is a must to keep yourself and your family protected against unforeseen medical emergencies.

A health insurance plan is designed to provide a financial cushion to the insured against any kind of cost-intensive treatment related to accidents, illnesses, diseases, etc. Depending on your health plan's terms and conditions, you could either get your medical bills reimbursed or avail of cashless claims through an insurance policy. Additionally, you can claim tax benefits on your health insurance premiums under Section 80D of the Income Tax Act.

How Does a Health Insurance Policy Work?

Different health plans work in different ways and entirely depend on the terms and conditions set by the insurance company. However, there are a few steps regarding the way a health insurance policy works that share a common ground across insurance providers. First thing first - general insurance policy contacts are typically annual and should be renewed before the expiry of the policy.

Once you have bought the policy, review the insurance plan in detail. Generally, most insurance providers offer a 15-30 days free-look period. A free-look period allows you to cancel a policy, in case it doesn’t fit your requirement, without any additional/policy cancellation fee. Also, go through the waiting period as mentioned in your policy. This would help you understand when you could claim policy benefits for specific ailments.

Most insurance policy providers have tie-ups with hospitals, generally called network hospitals. If you’re getting your treatment done at one of the network hospitals, you have the facility to opt for cashless claims - where the insurer pays the hospital for your treatment on your behalf. For treatments outside network hospitals, there’s always an option to get your bills reimbursed via your insurer.

However, your policy may not cover all the diseases/ailments, etc. To understand that, go through policy exclusions and inclusions in great detail. Note that your claims could get rejected because of the following reasons:

  • If you haven’t renewed your policy
  • If your ailment falls under the list of policy exclusions
  • If you have provided incorrect medical information to your insurer
Also, remember that there are different health insurance plans that are designed to serve different purposes. So, instead of buying family floater, individual or senior citizen plans separately, go for a comprehensive general insurance policy that would cover you and your family.

Why Do You Need a Health Insurance Policy?

Medical inflation, soaring healthcare costs and a gradual rise in life-threatening diseases among the youth are the three most important reasons to buy a health insurance policy. During COVID, many households in India struggled with burgeoning debt. A few days of hospitalisation cost many families lakhs of rupees.

According to an Economic Times report, 63% of Indians pay their medical expenses out of their pocket. Since a majority of the population doesn’t have health insurance, the cost of COVID 19 treatment had them drowning in debt. Many resorted to crowdfunding, but the money pooled from other sources wasn’t sufficient.

Here are a few other reasons why you need to have a health insurance plan:

  • 1. Get a wide range of medical expenses covered: From COVID-19 to heart ailments, an insurance policy would cover you against a host of diseases or accidents, including pre-and post-hospitalisation costs.
  • 2. Treat critical illnesses stress-free: Contrary to popular beliefs, people under the age of 40 could get diagnosed with critical illnesses like heart disease, kidney failure, etc. The rising cases of critical illnesses among the younger lot is a strong testimony to that. A comprehensive policy could come in handy in treating critical illnesses without any financial stress.
  • 3. Cashless claim benefits: Paying your medical bills during unforeseen medical emergencies could lead to additional stress. Insurance providers have a list of network hospitals, where if you seek treatment, you could claim cashless benefits. Meaning you don’t have to pay anything out of your pocket. The insurer would settle the payment on your behalf.
  • 4. Tax benefits: Additionally, you can claim tax benefits against your insurance premium under Section 80D of the income tax. So, a general insurance policy could also help you save on your taxes.
  • 5. Peace of mind: Last but not the least, having a comprehensive health policy would help you live a stress-free life. Medical insurance policies are designed to provide a financial cushion during emergencies.

How to Choose the Right Health Insurance Policy?

Consider the following factors before buying a health insurance policy in India:
  • 1. Policy exclusions: Go through your insurance policy documents to check policy exclusions to avoid unpleasant surprises during claims. Any claims made or filed for ailments that are not covered by your policy would be declined.
  • 2. Policy inclusions and cover: Similarly, go through your policy fine print and check what is covered. Make sure that your policy covers a wide range of diseases and ailments. Also, if you're living in a metro city, you would need at least ₹7 lakh cover. So, understand the sum insured amount of your policy before purchasing.
  • 3. Go for a comprehensive plan: Instead of buying multiple policies separately, go for a comprehensive plan. This would also help you keep your premiums in check.
  • 4. List of network hospitals: Consider insurance providers who have a long list of network hospitals that house some of the best healthcare facilities in India. This would help you get cashless and top-class treatment at premium hospitals.
  • 5. Affordability: Calculate your policy premium before purchasing an insurance plan. There should be a balance between the benefits offered by the policy and the premium you are supposed to pay.

How to Save Tax with a Health Insurance Policy?

Another benefit of having a health insurance policy is that you could claim tax benefits under Section 80D on your health insurance premium. Here are the details:
  • An individual can claim a deduction of up to ₹25,000 for the insurance of self, spouse, and dependent children
  • You could claim an additional deduction of up to ₹25,000 for your parents’ insurance if they are less than 60 years of age
  • You can claim an additional deduction of up to ₹50,000 if your parents are aged above 60
  • If medical expenses incurred for senior citizens (self, spouse, dependent children, parents) are not covered under any medical insurance, you can claim a deduction for the said expenses incurred under the above the limit of ₹50,000
  • If you and your parents are aged more than 60 years, the maximum deduction that can be availed under this section is ₹1 lakh

Why Should You Buy a Health Insurance Policy at an Early Age?

We, as humans, tend to develop health complications as we grow older. And your age has a direct impact on your insurance premiums. Policy premiums are generally lower when you are young, provided you don’t have any serious pre-existing medical conditions.

So, buying a health insurance plan at the early stages of your life would help you enjoy paying affordable premiums. Also, you could cross the waiting periods faster compared to when you grow older.

How to Calculate Your Insurance Premium?

A health insurance premium calculator helps you understand how much premium you have to pay annually/monthly against your insurance policy. To be precise, the calculator gives you a quote based on the details shared by you. Here’s usually how they work:
  • 1. Go to the insurance provider’s app or website
  • 2. Select the number of people you want to insure
  • 3. Enter details like age and gender, PIN/location
  • 4. Share other information like your lifestyle habits
  • 5. Get the quote based on the details shared

What are the Factors that Could Affect Your Health Insurance Premium

Wondering why insurance premiums differ from individual to individual? There are several factors that are taken into consideration to determine your policy premium. Check them out below:
  • 1. Your age: While medical conditions could affect the young and the old, the former is less prone to critical illnesses and diseases. As you grow older, you tend to develop more health conditions. Your insurance premium is somewhat directly proportional to your health condition. So, the younger you are, the lesser your insurance premiums.
  • 2. Pre-existing diseases: If you have pre-existing medical conditions or a family history of a particular illness, your insurance premium could be higher due to the risk involved.
  • 3. Location: Your location is also taken into consideration while determining your policy premium. Your city’s overall health-related statistics and medical costs are considered while deciding on the premium.
  • 4. Lifestyle: Your lifestyle habits could have a direct impact on your health insurance premium. For instance, if you smoke, you could be considered a high-risk individual, which could lead to higher premiums.
  • 5. Add-on benefits: Calculate your policy premium before purchasing an insurance plan. There should be a balance between the benefits offered by the policy and the premium you are supposed to pay.

Health Insurance Jargon Simplified

You might not be aware of all the insurance jargon like copay, deductibles, etc. Don’t worry, we have simplified some of the important insurance jargon for you so that you are well aware of your policy’s terms and conditions.
  • 1. Waiting period: The waiting period is the timeline mentioned in your policy document during which you won’t be able to claim any policy benefits. Every policy comes with an initial waiting period of up to one month or 30 days. For pre-existing diseases, the waiting period could be between 2 - 3 years.
  • 2. Copay: As per your insurance copay clause, a certain percentage of the amount incurred due to medical treatment would have to be borne by you while the remaining is paid by the insurer. For example, if your insurance comes with a Copay clause of Rs.5,000 and your total treatment cost is Rs.20,000, you have to pay Rs.5,000 out of your pocket. The remaining Rs.15,000 would be paid by the insurer.
  • 3. Deductible: Some insurance providers require you to pay a certain sum for your hospitalisation/treatment bills before you claim policy benefits. The insurance company would reimburse or pay the amount on your behalf to the hospital once the deductible is paid by you. To be precise, the insurance company would only accept or cover your claim if it is above the deductible amount.
  • 4. Pre-existing disease: Any disease or symptoms that you already have or have been treated for before getting your health insurance policy would be considered a pre-existing disease.
  • 5. No-claim bonus: No-claim bonus (NCB) is a sort of monetary reward provided by your insurer for every claim-free year. No claim bonus in health insurance works in two ways - cumulative bonus and discount in premium. A cumulative bonus is when for every claim-free year, your insurance provider increases your coverage amount without increasing the premium. The increment in coverage is based on the percentage of NCB mentioned in your policy document. Similarly, some insurers provide discounts on premiums for every claim-free year.
  • 6. Insurance portability: Let’s say, you are not satisfied with your insurance provider and want to switch to another insurer. You could do so by porting your insurance to another insurer under better terms and conditions.
  • 7. Sum insured: It’s the amount up to which your insurance provider could cover in a policy year.
  • 8. Pre-hospitalisation expenses: Any medical expenses incurred before getting admitted to the hospital are known as pre-hospitalisation expenses.
  • 9. Post-hospitalisation expenses: Any medical expenses incurred that are above and beyond the hospital expenses are known as post-hospitalisation expenses. There are insurers that cover both pre-and post-hospitalisation expenses.

Common Health Insurance Myths Busted

There are several myths regarding health insurance that are entirely misleading. Here are a few of them:
  • 1. An employer-provided health plan is sufficient: While your company-provided group health insurance could come to your benefit, it’s always recommended to have a separate health insurance policy. For instance, once you quit your job, your employer insurance plan becomes null and void. Also, the sum insured might not be sufficient to cover yourself and your family.
  • 2. Insurance is for the old : Another common misconception is that young people don’t need insurance. However, that’s not true. According to a Government report, Coronary Artery Disease (CAD) occurs at a younger age in Indians with over 50% of Cardiovascular Disease (CVD) mortality occurring in individuals aged less than 50 years. Also, who could forget the unforgiving COVID waves when thousands of Indians lost their lives to the harrowing pandemic? Other than that, growing cases of cancer among young Indians have become a cause of concern in the healthcare sector.
  • 3. Health insurance claim settlements are stressful: Actually, it used to be somewhat like that. But with modern insurance players like Navi Health Insurance coming into the picture, settling your claims has become extremely quick and easy.


Get yourself insured and stay protected from life’s uncertainties with a comprehensive health cover. In case you are looking for the best health insurance plan in India, you could sign up for Navi Health Insurance. Navi offers cashless claims in less than 20 minutes in over 10,000+ network hospitals across India. With Navi, you can enjoy affordable premiums starting at ₹235/month, up to ₹1 crore cover, 100% coverage of pre-and post-hospitalisation expenses, and more.

So, get insured today to secure your future!