Frequently Asked Questions

You can insure yourself and your family for the following sum: Rs. 2/3/4/5/6/7/8/9/10/15/20/25/50/75/100 lakhs. Choose the amount which best suits your needs.

"You can add the following family members to the policy: - Yourself - Spouse - Dependent children - Your parents or your parents-in-law The maximum number of adults in a policy cannot be more than 2."

The premium for this policy depends on certain factors including Age, Members added, Sum Insured, Policy tenure, the health status of the individual and Optional Covers opted.

You should declare the pre-exisitng conditions, if any, for all the members included in the policy. We will issue a policy according to our Underwriting Guidelines. There may be some increase in the premium in some cases and 1 to 3 years waiting periods for the pre-exisiting diseases.

Yes, you can purchase multiple policies with us.

Don't worry, you can select the 'None of the Above' option from the list of illnesses and proceed with the rest of your application on the app.

You can check out the amazing benefits of the Navi Health Insurance policy : If you buy a new policy with us, we offer you these amazing benefits: Inpatient Hospitalisation - Single Room (No Room Rent restriction)
Day-care treatment
Pre and Post Hospitalisation Expenses
Free and Unlimited Online Consultation
Daily cash for shared room occupancy
Domicilliary Hospitalisation
Reinstatement of Sum Insured
Health Care & Wellness Benefits
Emergency Road Ambulance
Reduced Waiting Period for Existing and Specified Illness
No Claim Bonus for a claim-free Policy year and many more

Yes, we pay for COVID-19 hospitalisation after 30 days waiting period from the purchase of the policy.

Daycare treatments include medical treatments or surgical procedures, which used to take longer than 24 hours, can now be completed within a day with the advancement of technology. Some examples of daycare treatment are Colonoscopy, Dialysis, etc.

There’s no upper limit on Room rent for single occupancy, which includes associated medical expenses like air-conditioner charges, housekeeping charges, luxury tax, etc. You can choose any room of your preference for the treatment.

We offer you no co-pay coverage, which means we pay 100% of your hospitalisation up to the sum insured.

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, you would be eligible for a Cumulative Bonus of 25% or 50% of sum insured at the time of renewal upto maximum of 100% of base sum insured depending upon your plan. This cumulative bonus increases your sum insured without any premium increase.

You should submit the Pre – Post hospitalisation claim documents within 15 days of completion of Post-hospitalisation treatment or period, whichever is earlier.

To ease your journey into parenthood, we encourage you to opt for maternity and newborn baby benefit. We pay additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-year waiting period. We also pay up to ₹10,000 for the newborn baby hospitalisation expenses.

Yes! You will be eligible to claim tax benefits, under Section 80D of the Income Tax Act, 1961, up to the amount of premium paid in that financial year.

We offer you the flexibility to pay the premium on a monthly basis instead of paying the entire premium at once.

Your monthly Monthly Premium is calculated by dividing the total premium by the number of months without any additional cost.

You will have to wait for a period of 30 days, from the first Monthly Premium payment, before your policy starts covering you. In the case of a pre-existing disease or specific disease, the waiting period starts from the first Monthly Premium payment. There is no waiting period in case of an accident.

You can raise a claim even if some of your Monthly Premiums are pending. We will deduct the amount of balance Monthly Premiums while settling the claim.

We will send you timely reminders before the due date of the monthly Monthly Premium so that you don't miss out. Even then if you are unable to pay the Monthly Premium before the due date, we give you a grace period of 15 days to pay your Monthly Premium. You will not be covered during the grace period. If you don't pay the Monthly Premium even in the grace period, your policy will lapse.

If you are unable to pay the Monthly Premium before the due date, we give you a period of 15 days to pay your Monthly Premium, this period is called the grace period. You will not be covered during the grace period. If you don't pay the Monthly Premium even in the grace period, your policy will lapse.

No, you can not raise a claim during the grace period unless you pay the due Monthly Premium.

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 help you with the next steps.

You can make a Cashless claim in any of our 10,000+ network hospitals. To find out your nearest network hospital, click here.

We’ll need signed copies of the following documents: - Claim form - Original Medical records (like Hospital Main Bill along with break up Bill and original receipts, Discharge/Death Summary, Doctors Reference Slips for Investigations/Pharmacy, Original Pharmacy Bills, etc) - KYC documents (Photo ID proof, Pan Card, Aadhar Card) - A cancelled cheque for NEFT payment

There is no limit on the number of claims you can raise in a year as long as you have the balance sum insured.

At the time of discharge, the Network Hospital may forward a final request for authorization for any residual amount to us along with the discharge summary and the billing format. Upon receipt of the final authorisation letter, you may be discharged by the Network Hospital. Please ensure that you have signed the pre-authorization form at the time of admission and the final hospital bill at the time of discharge.

If you are admitted to a non-network hospital, you can raise a request for a reimbursement claim. Submit the required documents to us and we'll reimburse your hospitalisation expenses.

When in a network hospital, you can reach out to the Insurance/TPA desk for any claim related help.

You can check your balance Monthly Premiums in the Monthly Premium schedule in the app after purchasing the policy.

"A health insurance policy covers medical expenses incurred due to accidents, illness or injury. You can buy our insurance policy by paying small monthly premium for 1, 2 or 3 years tenure. During this period, if you meet with an accident or are diagnosed with a severe ailment, we pay the expenses incurred for treatment purposes.
If you buy a new policy with us, we offer you these amazing benefits: Inpatient Hospitalisation - Single Room (No Room Rent restriction)
Day-care treatment
Pre and Post Hospitalisation Expenses
Free and Unlimited Online Consultation
Daily cash for shared room occupancy
Domicilliary Hospitalisation
Reinstatement of Sum Insured
Health Care & Wellness Benefits
Emergency Road Ambulance
Reduced Waiting Period for Existing and Specified Illness
No Claim Bonus for a claim free Policy year and many more."

When you are hospitalised and want to us pay, you can raise a request for payment by calling us via app or you can simply to go the Insurance/TPA desk in a hospital. This request for payment is called a claim.

A cashless claim is when you are hospitalised at one of our 10,000+ network hospitals, you don't need to pay cash for medical treatment and hospitalisation expenses. We will directly pay the hospital.

A reimbursement claim is when you pay the hospital for medical treatment & hospitalisation expenses and we pay you back the bills after discharge.

"Hospitals with which we or our TPA has tie-up to protect you from the long process of collecting and submitting documents for reimbursement are called network hospitals. If you are hospitalised at one of the network hospitals, you can raise a cashless claim.
You can find your nearest network hospital here."

Pre-existing disease is a medical condition that already exists when one is purchasing a health insurance policy. Medical conditions such as high blood pressure, diabetes, thyroid, asthma, depression, etc., are considered pre existing ailments.

Annual Sum Insured is the maximum amount that we’ll pay in case you are hospitalised. You can choose a sum insured from Rs. 2 lakhs up to Rs. 1 Crore

​​The waiting period is the time span during which you cannot claim some or all benefits of the health insurance. You must wait for a specified amount of time before you make a claim. You can refer to your policy document to know your exact waiting periods.

"Premium is the small cost we charge you so that we can provide you with the best benefits and coverage in case of hospitalisation. You can either pay this amount in one go or you can opt for easy Monthly Premiums. You can check your premium now by giving us a few details"

Under this coverage, we cover you and your family against critical diseases such as stroke, heart attack, kidney failure, amongst others. You can add this cover separately as an Add-on while buying a policy.

There are some diseases which we will not cover in the health insurance policy. These diseases are specified in your policy schedule.

You can find more about this policy in the Policy Prospectus and the Policy Wordings documents. You can also reach out to us at 18001230004 to clear your doubts.

Yes, please write to us at insurance.help@navi.com about the changes you want to make to your policy. We'll get back to you shortly. We can make changes to the policy according to the Underwriting Guidelines of the Company.

Don't worry if you made a mistake while entering your DOB. You can write to us at insurance.help@navi.com for correction. We'll get back to you shortly.

Yes, you can add a family member after purchasing the policy. To add a family member, you can write to us at insurance.help@navi.com. We'll get back to you shortly.

Yes, you can remove a family member after purchasing the policy. To remove a family member, you can write to us at insurance.help@navi.com. We'll get back to you shortly.

Yes, you can renew this policy for the lifetime of the members covered in the policy. For a dependent child, the policy can be renewed up to the age of 30 years.

The premium calculation at the time of renewal depends upon several factors. At the time of renewal, you may increase the sum insured, add a family member or opt for new add-on covers, these changes can lead to an increase in your renewal premium.

We'll be sorry to see you go. But, yes, you can choose to discontinue your policy anytime. Your refund will be calculated on a pro-rata basis.

The waiting period for pre-existing diseases is 1 to 3 years. To check the exact waiting period for existing illnesses, please refer to your policy schedule.

The waiting period for COVID-19 hospitalisation is 30 days.

No, your offline doctor consultation is not covered under this policy.

We will not cover any kind of dental surgery or treatment unless a dental treatment is required due to an accident, which led to hospitalisation.