Corona Kavach Policy, Navi General Insurance Limited
IRDAI mandated Indemnity based Health Policy against COVID.
COCO Cure
The A-La-Carte , affordable, comprehensive health insurance plan that you can tailor to your and your family’s need and pocket.
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COCO Seasonal Byte
A pocket-sized policy that covers you against seasonal ailments such as Dengue, Malaria, Swine Flu, etc. It is available both as an Indemnity and a Benefit Plan.
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COCOProtect
A Personal Accident policy that ensures your and your family’s financial stability in case of an unforeseen accident. Available in six flavors designed to meet your varied needs.
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Group Health Products
Select from our bouquet of health products to secure your group members/employees and their dependents against accidental and medical emergencies.
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Corona Kavach Policy, Navi General Insurance Limited
An IRDAI-mandated affordable health insurance policy that protects your entire family against hospitalization expenses due to COVID
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Corona Rakshak Policy, Navi General Insurance Limited
A benefit-based health insurance policy that provides a lump sum amount in case you are diagnosed with and hospitalized due to COVID
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COCO Seasonal Byte
A pocket-sized policy that covers you against seasonal ailments such as Dengue, Malaria, Swine Flu, etc. It is available both as an Indemnity and a Benefit Plan.
Know More
COCOProtect
A Personal Accident policy that ensures your and your family’s financial stability in case of an unforeseen accident. Available in six flavors designed to meet your varied needs.
Know MoreCover for hospitalization due to COVID
Offers indemnity cover for hospitalization upon positive diagnosis of COVID.
Base Cover
Includes coverage for Inpatient Hospitalization, Ambulance, 15 days pre hospitalization, 30 days post hospitalization, Home Care Treatment, and AYUSH Inpatient Treatment.
Optional Cover
Includes Hospital Daily Cash.
Sum Insured
Option to choose the sum insured from ₹ 50,000 to ₹ 5 Lacs in the multiples of ₹ 50,000.
Entry Age
From 1 day to 65 years of age.
Policy Tenure
- Three and half months or 105 days
- Six and half months or 195 days
- Nine and half months or 285 days
Policy Type
Available on individual/Family on an Individual/Family Floater Sum Insured basis.
Family defined as Self, Spouse, Parents, Parents-in-law, Dependent Children (any number and of age 1 day to 25 years).
Medical Check Up
No Pre-Policy Medical Check Up required to get the policy.
To know more, please click on the below links.
Corona Rakshak Policy, Navi General Insurance Limited
A Benefit based Health Policy against COVID.
HIGHLIGHTS OF THE PRODUCT
Benefit Payout
Offers a lump-sum amount upon positive diagnosis of COVID, requiring a minimum continuous hospitalization for 72 hours.
Sum Insured
Option to choose the sum insured from ₹ 50,000 to ₹ 2.5 Lacs in the multiples of ₹ 50,000.
Entry Age
From 18 years to 65 years of age.
Policy Tenure
- Three and half months or 105 days
- Six and half months or 195 days
- Nine and half months or 285 days
Policy Type
Available on Individual Sum Insured basis for both family and individual.
Medical Check Up
No Pre-Policy Medical Check Up required to get the policy.
To know more, please click on the below links.
Arogya Sanjeevani Policy
'Arogya Sanjeevani Policy, Navi General Insurance Limited' is a standard Health Insurance Policy designed and mandated by the IRDAI (Insurance Regulatory and Development Authority of India) to bring uniformity in features and structure of the Health Insurance Product across all general and health insurers in India
HIGHLIGHTS OF THE PRODUCT
Sum Insured
You can have a sum insured which is as low as INR 1 Lakh upto a maximum of INR 5 Lakhs in multiples of INR 50000.
Age Eligibility
Adults will be covered with the age - 18 years to 65 years and kids will be covered from 3 months to 25 years.
Renewability
Policy comes with lifetime renewal benefit.
Tax benefit
You can avail tax benefit available under Section 80-D of the Income Tax Act 1961 as per applicable tax laws.
Coverage for entire family
You can cover yourself, your spouse, kids and parents /in-laws too, in a Non-Floater Policy or in a Family Floater Policy, as per your need.
Grace Period for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal for yearly mode of premium payment. For all other modes of premium payment, a fixed period of 15 days is allowed as grace period.
Pre-Policy Medical Check Up
No pre policy medical check up is required if you and / or your family members are up to 50 years of age, with no adverse medical conditions.
Hassle free Claim Settlement
With our cashless and reimbursement claim settlement process, we make your filing, tracking and claim settlement process very smooth and convenient.
Extensive Coverage
Hospitalisation expenses
Day Care Treatment
Pre Hospitalisation
Post Hospitalisation
Cataract Treatment
Modern Treatment Procedures
AYUSH Treatment
Day Care TreatmentRoad Ambulance
Cumulative Bonus
To know more, please click on the below links.
COCOCure
The A-La-Carte , affordable, comprehensive health insurance plan that you can tailor to your and your family’s need and pocket.
HIGHLIGHTS OF THE PRODUCT
A-La-Carte Approach
- Unmatched Flexibility to add/remove and enhance/reduce coverages.
- 22 coverages offered can be customized/selected by You.
- Wide Coverage Options: From 2 Lac to 1 Cr Sum Insured.
Coverage for entire family
You can cover yourself, your spouse, kids and parents /in-laws too, in a Non-Floater Policy or in a Family Floater Policy, as per your need.
Free 'Extra Care' Cover
Inbuilt Additional Sum Insured of Rs 20,000 for hospitalization due to Dengue, Malaria, Swine flu & other listed Vector Borne Diseases, without impacting the Base Sum Insured
Counseling
Inbuilt counseling feature to take care of stress, emotional and behavioural disorders.
Inbuilt Care
- No first 30 days waiting period For hospitalisation due to accident & for hospitalisation related to 3 Critical Illnesses - Cancer, Myocardial Infarction and Stroke.
- Reinstatement 100% Sum Insured will be reinstated during the policy year once the Sum Insured gets exhausted.
Wellness Rewards
- Health Risk Assessment (HRA): Take your self-health check with our HRA and earn discounts while buying/renewing your policy.
- Discount in renewal premium for maintaining active lifestyle by walking and by better disease management.
- Health Helpline: Provides 24/7 empaneled doctor’s consultation for non-emergency medical advice.
- Free Health Checkup post renewal for every claim-free year.
Widest Range for Pre & Post Hospitalisation Cove
- Pre-Hospitalisation Cover options range: 30/60/90 days.
- Post-Hospitalisation Cover options range: 60/90/180 days.
Flexibility in choosing Room-Rent options:
- Default Room-Rent option is ‘No Capping’.
- Option to choose Room-Rent Capping between Rs 1000 to Rs 10,000 per day.
- Automatic ICU Cover of 1.5 times the chosen Room-Rent Capping limit
Unique Offering of Flexibility in Waiting Periods, if chosen:
- Increase / decrease Named Illness & Pre-existing disease Waiting Period
- A strong feature to limit your insurance premium by increasing the waiting periods.
Two Avenues to Take Care of rising Medical Costs, if chosen:
- Medical Inflation: Base Sum Insured will increase by 10% every year up to a maximum of 50% to help you match medical inflation, irrespective of claim
- Cumulative Bonus: For every claim-free year, sum insured will increase by 10% of the Base Sum Insured, up to a maximum of 50% of Base Sum Insured.
Lifestyle Coverages:
- Coverage for Infertility
- Coverage for Bariatric Surgery
To know more, please click on the below links.
Why buy a Health Insurance?
Health insurance covers your medical expenses, thereby shielding you from sudden financial costs. A health insurance policy is a legal contract between you and your health insurance provider that covers your risks in times of medical emergencies. Depending on the type of coverage you choose, your health insurance pays for hospitalization, medicines, diagnostic tests, doctor visits and so on. Your health insurance provider will either refund you the amount you have spent towards medical treatment, termed as reimbursement, or settle your bills directly with your healthcare provider, known as cashless.
To completely take advantage of your health insurance plan, you must understand its features. The right time to do it is now. If you try to understand what your health insurance policy entails right at the time of making a health insurance claim, the chances of making a mistake could be much higher, which may result in your claim getting rejected. Therefore, here are some things you should know about health insurance policies in India.
Important Features Of Health Insurance In India
Online Renewal Of Health Insurance Policy
You have to renew your health insurance policy on or before your policy due date to ensure your health insurance policy does not lapse. Renewing your health insurance policy is now a simple and seamless task as the process can be done online from end to end.
Cashless Facility
At the time of buying your medical insurance policy, you should check the network of hospitals your health insurance provider has a tie-up with. You will be able to take advantage of the cashless facility only at these network hospitals, therefore it is best to take a note of the network hospitals in your vicinity.
Coverage Of Pre- And Post-Hospitalization Expenses
Your health insurance provider is aware that when you are hospitalized, there are several other expenses involved other than your hospital fees. Therefore, your health insurance provider covers certain days of pre- and post-hospitalization expenses.
Pre-existing Illness
A pre-existing illness is an ailment that you already have at the time of buying the health insurance policy. Most often, you will not receive immediate coverage for your pre-existing disease, and you will have to wait a few years till you are covered for the condition.
Waiting Period
Often, you have to wait for some time till you start receiving coverage by your health insurance provider for a particular condition. This is known as the waiting period. The duration of the waiting period varies from policy to policy.
Grace Period
If you forget to renew your health insurance policy by the due date, you can do so in the 30 days following the health insurance policy expiry date. This period is known as the grace period.
When it comes to health insurance, it is only natural to have questions. But buying a policy without getting these questions answered, that’s problematic.
Few Frequently Asked Questions about health insurance:
Is my corporate health insurance enough?
Today, quite a few companies provide their employees with health insurance benefits. Still you do need an independent health insurance policy even if you have a corporate policy. There are several reasons for this. To begin with, the plan might not provide the coverage you need. Also, corporate protection ends the moments you quit the job. Last, buying an independent policy will become expensive and difficult after retirement.
Is my insurance policy valid across India?
Yes, most health insurance plans do provide coverage across the country. However, it makes sense to confirm this aspect before you buy the plan. Some leading health insurance providers also offer emergency worldwide hospitalization as an added benefit.
Does health insurance cover only hospitalization costs?
No, health insurance plans are designed to give you comprehensive protection from medical expenses. Besides hospitalization costs, a good plan will also cover pre- and post-hospitalization expenses (doctor’s consultations, tests, medicines) outpatient expenses, ambulance charges and much more!