Frequently Asked Questions

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FAQs

What are the recommended benefits for your policy?

  • Inpatient Hospitalization - Single Room (No Room Rent restriction)
  • Vector-borne diseases
  • Day-care treatment
  • Pre-Post Hospitalization (30 days: 60 days)
  • Domiciliary Expenses
  • Counselling
  • Reinstatement
  • Health Care & Wellness
  • No Claim Bonus of 10%
  • Emergency Road Ambulance

Add-Ons:

  • Maternity
  • New Born Baby cover
  • Critical Illness Benefit


What is the eligibility age to buy this policy?

  • Minimum Entry Age (Child): 91 days
  • Minimum Entry Age (Adult): 18 years
  • Maximum Entry Age: No limit on age for the Sum Insured of ₹ 2 Lac; For all other Sum Insured, the maximum entry age is limited to 70 years.


How is the premium of Rs. 404/month calculated for Rs. 5 Lac Sum Insured?

The Premium of Rs. 404 per month (or Rs. 13 per day) = Rs. 4,852 per year (excluding taxes) for Rs. 5 Lac Sum Insured, is for a 25-year old Male with normal health conditions, living in Mumbai, for an Individual COCOCure Health Insurance Policy.

*Rates are for COCOCure by Navi General Insurance. Product UIN: NAVHLIP21369V022021


Will I be eligible for tax benefits if I buy health insurance?

Yes! Buying health insurance will earn you the eligibility to claim tax benefits under Section 80D of the Income Tax Act, 1961.


What if I want to cancel my health insurance policy after purchasing?

If willing to cancel your health insurance policy after its purchase, you can do so within 15 days of receiving the policy documents. You will receive a refund only if you did not make any claims in the policy during that year.


Will my health insurance cover begin from day one?

You will have to wait for a period of 30 days (waiting period) before your policy starts covering you. Furthermore, in the case of a pre-existing disease or specific diseases, you will have to serve the waiting period (depending on the plan) before enjoying the coverage.


How do I intimate Health Claim? Following are covered under this Policy:

You must notify your designated TPA either at the call centre or writing, in the event of planned or emergency hospitalisation. Contact details are available on your App and Health Card


What is the timeline for Pre and Post Hospitalisation Claims submission?

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


Which are the documents needed for reimbursement of claim?

List of necessary claim documents to be submitted for reimbursement are as follows:

  • Claim Form Duly Filled and Signed
  • Original Discharge/Death Summary
  • Operation Theatre Notes (if any)
  • Original Hospital Main Bill along with break up Bill and original receipts
  • investigation reports, X-Ray, MRI, CT films, HPE etc.
  • Doctors Reference Slips for Investigations/Pharmacy
  • Original Pharmacy Bills
  • MLC/FIR Report/Post Mortem Report (if applicable and conducted).
  • Details of the implants including the sticker indicating the type as well as invoice towards the cost of implant
  • KYC documents (Photo ID proof, address proof, recent passport size photograph)
  • A cancelled cheque for NEFT payment

We may call for any additional documents/information as required based on the circumstances of the claim


Where do I Submit my Duly filled Claim form?

You may submit the Claim Form along with the documents for reimbursement of the claim to Our / TPA office. Address of designated TPA is been shared in Health Card / Policy Schedule.


Where can I get the Claim Form for Reimbursement?

You can obtain a Claim Form from any of our / TPA Offices or download a copy from below:-

  • Health Indemnity – Cashless Request - Download
  • Health Indemnity -Reimbursement - Download

Would there be any process to be followed at discharge?

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 final hospital bill at the time of discharge.

Can I change my recommended zone? How?

Yes, you can change the recommended zone to the zone corresponding to your city of residence. Please call us on 1800 123 0004 to submit your request.


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Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000MH2016PLC283275