Pay ₹0 hospital bills with Navi Health Insurance

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 hospital admission expenses. We offer you no co-pay coverage, which means we pay 100% of your hospital admission up to the hospital bill coverage 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 hospital admission expenses up to the hospital bill coverage.

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 hospital admission.

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, hospital bill coverage is applicable in case of general insurance policies. hospital bill coverage 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 cashless hospitals.

There’s no limit or cap on no. of claims as such as long as you have the balance hospital bill coverage. Balance Hospital Bill Coverage means the remaining amount of the policy’s hospital bill coverage 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 hospital admission is covered after 30 days waiting period from the purchase of the policy.

In case of an unfortunate event where you claim the entire hospital bill coverage in a policy year, we provide you with a 100% refill of the cover amount, which you can use again for another hospital admission 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 hospital bill coverage at the time of renewal up to a maximum of 100% of base hospital bill coverage depending upon your plan. This cumulative bonus increases your hospital bill coverage without any premium increase.