Secure Your Loved Ones With Our Best Health Insurance Plans

Buy Health Insurance Online:-Best Medical insurance policy in India that has a pre & post-hospitalization cover for family, individuals and senior citizens. Secure your family financially against health issues now. Get an instant quote at your fingertips!

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Navi Cure

An affordable, comprehensive health insurance plan that you can tailor to your and your family’s need and pocket.

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Arogya Sanjeevani

A standard Health Insurance Policy designed and mandated by the IRDAI

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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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Mosquito.png

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
Accident.png

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 More
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Navi Cure

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Arogya Sanjeevani

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COCO Seasonal Byte

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COCOProtect

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Group Health Products

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Corona Kavach Policy, Navi General Insurance Limited

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Corona Rakshak Policy, Navi General Insurance Limited

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Corona Kavach Policy, Navi General Insurance Limited

IRDAI mandated Indemnity based Health Policy against COVID.

HIGHLIGHTS OF THE PRODUCT

Cover 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.


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.

  1. Policy Wording
  2. CIS
  3. Prospectus
  4. Proposal Form
  5. Rate Chart

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

Navi Cure

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.

  1. CIS
  2. Prospectus
  3. Policy Wordings


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 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!

  • 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.

  • Am I eligible to buy a Health Insurance Plan?

    In order to be eligible for a health insurance plan, the most important eligibility criterion is related to age. In order to buy a health insurance plan, the minimum entry age for a child is 91 days while for an adult is 18 years. Typically, individual health insurance policies allow coverage to a person up to 65 years of age. Some policies may allow coverage beyond 65 years of age with some conditions such as co-payment or restriction on Sum insured limit etc. Some health insurance policies may allow coverage for children of specific age only if at least one parent is covered along with them.
    In terms of renewal policies, adults can renew the policies for the entire lifetime while for dependent children, most policies allow coverage up to 25 years of age.

  • Can a person have more than one health policy?

    Yes, there are a lot of health insurance companies with different policies and benefits, and you are allowed to procure more than one health insurance plan at the same time. The only condition is that you cannot claim a reimbursement for the same expense from different insurers. If the hospitalization expenses are too steep and exhaust the limit of the sum insured provided under one health insurance plan, you can claim the remaining un-covered expenses from your other health insurance policy. You can opt for a cashless claim or a reimbursement claim from any health insurance policy if you are covered under more than one policy.

  • Do health insurance plans cover diagnostic charges like X-Ray, MRI or ultrasound?

    Yes, one of the many benefits of a health insurance policy is that the health insurance plans cover the investigation and diagnostic charges including X-Ray, MRI, and ultrasound, etc for in-patient hospitalization. Generally, the diagnostic tests that are prescribed in the OPD are not covered under health insurance policy except when your health insurance plan also offers benefit under pre and post-hospitalization expenses, provided that such OPD expenditure is related to the covered illness/disease for which inpatient hospitalization was covered by the insurance company. There is a lot of confusion amongst individuals about health insurance coverage, so it is advisable to understand all the advantages and benefits of a policy before applying. The rest of it varies depending upon the plan. You can claim the amount if it’s mentioned and covered under your health plan.

  • Do I really need a Health insurance plan?

    The health insurance premiums can seem quite expensive in the beginning, but it is always better to be safe than sorry. Life is uncertain, and there will be times when you will need a health insurance policy. The following aspects will make you re-think your decision.

    • Medical emergencies can knock on your door at any time. You can be surrounded by medical debts if you don’t opt for comprehensive health insurance.
    • You can reduce your tax burden significantly if you choose the right health insurance plan for you and your family.
    • You can easily find affordable premium plans that not only provide you with proper coverage but are also quite easy on the pocket.

  • Does health insurance provide tax benefits?

    Nowadays, you can easily buy health insurance plans online and choose from a variety of options. Most of these health insurance policies entitle you to claim tax deduction against your income tax. Under section 80D of the Income Tax Act, every taxpayer can avail tax deductions on the premium paid for the medical insurance of their spouse, parents, self, and dependent children. Deductions available are as follows:-

    Scenario Premium paid (Rs) Deduction under 80D (Rs)
    Self, family, children Parents
    Individual and parents below 60 years Rs. 25,000 Rs. 25,000 Rs. 50,000
    Parents above 60 years and all other members below 60 years Rs. 25,000 Rs. 50,000 Rs. 75,000
    All members above 60 years Rs. 50,000 Rs. 50,000 Rs. 100,000

  • How do I estimate the cost of health insurance?

    The total cost estimate for health coverage is usually calculated before you can actually have the coverage and the reimbursements of the expenses. Generally, your total cost can be calculated as,
    Premium + Deductible + Out of pocket costs + any co-payments/ co-insurance – any discounts

    The actual cost may vary slightly from the estimated amount. You can sit and discuss the formalities provided by the insurance company. Opt for the best health insurance policy that is crystal clear, and in case of any confusion, sit by the insurer and get it all sorted.

  • How much does health insurance cost for an individual?

    You can choose and buy health insurance plans online and find annual premium plans that suit your pocket from a variety of options as the coverage available varies between Rs. 2 lacs to Rs. 100 lacs. Factors that affect the health insurance cost for an individual are age, , plan features, sum insured, cover type (Floater or individual), city of residence, policy tenure, health status of the individual and optional covers. For instance, office premium for a policy cover of Rs. 10 lacs for an individual between 18-25 years will be around Rs. 5,550/- but for an individual between the age of 46-50 years, it will be Rs. 14,628/-.

  • How much is health insurance a month for a single person?

    You can find some of the best health insurance policies that are available at affordable premiums. health insurance cost for a month for a single person will depend on age, gender, plan, sum insured, cover type, zone of cover, policy tenure, health status of the individual and optional covers. For instance, office premium for a policy cover of Rs. 5 lacs for an individual between 18-25 years will be around Rs. 3,927/- per annum or Rs. 327.25/- per month but for an individual between the age of 36-40 years, it will be Rs. 5,977/- or Rs. 498/- per month.

  • How to choose the right health insurance plan?

    Choosing the right insurance plan online might seem quite confusing initially. Some of these easy steps that will help you in making an informed choice are listed down below.
    - Choose the right amount to be insured – Choose a plan that at least covers all your hospitalization expenses. If you are residing in a metropolitan state, an appropriate amount might range from Rs. 6 lakhs to Rs. 12 lakhs. A rural or a suburban resident might need less coverage amount. If you wish to include your family members, then approximately a health insurance of 15 lakhs would be sufficient.
    - Affordability – If you are on a tight budget, you can find a health insurance policy with low premium plans.
    - Wide hospital reach – Before finalizing a medical insurance online check-in with their network of hospitals. Look for good medical facilities that are available nearer to your residence. Remember, you will get the facility of cashless hospitalization only in the hospital that is on the panel of insurance company.

  • Is a medical test mandatory to purchase a health insurance policy?

    The applicability of medical tests for subscribing to a health insurance policy is generally depend on the total sum insured and age of the insured person (s). Medical tests may be conducted if you are beyond the age of 45 years or opted for high sum insured plans as per the underwriting policy of the insurance companies. So, you must check with the respective insurance company to see if any medical tests are required to purchase a health insurance policy.

  • What are health insurance plans?

    A health insurance plan is an insurance agreement that caters to the medical emergencies of the policyholder. You can choose from a variety of health insurance plans online that provide you with the best coverage of your expenses as per your financial background. You can opt for plans that cover your surgical expenses, hospitalization expenses, ambulance fee, and or critical illness. To avail quality healthcare services and medical aid at the right time, it is advisable that you should invest in a health insurance plan that caters to your rising or unexpected medical needs.

  • What are the three types of Health Insurance?

    Indemnity Health Insurance Plan – The most basic health insurance plan that can cater to your medical expenses on both a cashless and reimbursement basis according to the sum insured. Herein you will be reimbursed for the actual hospitalization expenses incurred during the treatment up to the total policy sum insured amount. Indemnity type health insurance policy features health insurance plans for family, individuals, as well as COVID-19 plans.
    Top-up Health Insurance plan – This insurance plan is an addition, an enhancement to your existing plan cover limit. If you wish to get wider coverage and enhance your existing sum insured for better financial security, then you can opt for a top-up health insurance plan. It will provide you with an additional sum insured that might cater to an unexpected medical emergency. You can contact insurance company directly and choose from a variety of options.
    Fixed benefit health insurance plan – This is the ideal plan if you wish to combat a serious medical injury or illness, as it pays you in one go, a lump-sum amount. The indemnity and top up plans have benefits for paying the actual bills on a regular basis. The fixed benefit health plan will ensure wide coverage and can help you with medical expenses for serious ailments such as cancer, heart stroke, or paralysis that are generally not covered under Basic health insurance or Top up health insurance plan.

  • What are the documents required for buying a health insurance plan?

    The best time to buy health insurance is now. With the ongoing pandemic (COVID-19) and increasing sedentary lifestyle, opting for a comprehensive health care plan is extremely vital. Some of the important documents that the company may ask for are duly filled and signed proposal form, the Aadhar Card, Pan Card, Passport size photo and medical test reports (if required.)

  • What are the key benefits of having health insurance policy?

    The coronavirus has really led us to unprecedented times, and availing of a health insurance plan has never been more important. Some of its key benefits are:
    - Coverage of medical expenses incurred during hospitalization
    - Patient’s transportation expenses (Ambulance fees)
    - Cashless claim benefits and reimbursement
    - Critical illness coverage
    - Tax benefits
    - Safe and secure future
    - Financial security

  • What are the kinds of health insurance plans available?

    There are different kinds of health insurance plans, and you can easily choose the best health insurance policy that caters to your specific needs and requirements. Some of the different kinds of plans that may suit you are:
    - Individual Health Insurance plan
    - Family floater Health Insurance plan
    - Group Health Insurance cover (corporates)
    - Senior citizen Health Insurance
    - Critical illness Health cover
    - Super top-up policy.

  • What are the things to look for while choosing a health insurance plan?

    Selecting the right health insurance plan could be a daunting task, and some of the things that you must consider before buying one are:
    - Select the right insurance amount
    - Easy and simpler claim processes
    - Maternity benefits
    - Wider Cashless network of hospitals
    - Pre/post-hospitalization
    - Lifetime renewal
    - Customer support service
    - Minimum pre-existing disease waiting period
    -No co-payment or any other co-sharing arrangement

  • What is the need for health insurance?

    Financial backup – We live in a fast-paced world that witnesses inflation now and then. In such challenging times, it is important to have a financial backup to cater to medical emergencies.
    Unhealthy lifestyle and rising medical costs – If there is something that covid-19 has taught us, it’s the decreased level of hygiene and sanitization that our environment has. These tough times have led to an unhealthy lifestyle and deteriorating living standards. You need an insurance plan that covers your medical expenses the most right now to secure your future.
    Tax benefits – Under Section 80D of Indian Income Tax Act, you can avail up to Rs. 25,000 as a deduction cost for yourself and your spouse and children.
    The right age – The early you start, the easier it will be to stock up on a financial corpus. Include the premium in your daily expenditure.

  • What is the right age to get health insurance?

    A lot of experts have recommended that the perfect age and the best time to buy health insurance policy is when you turn 18. You are an adult, and because if you start early, you will be able to get the benefits of lower premiums, higher coverage, and opportunity to complete the waiting period before any illness strikes. However, the parents can also get cover for their new-born babies/dependent children starting from the age of 91 days to 30 years.

  • Which health insurance policy is the best?

    There is no standard policy that fits in with every situation. The right health insurance policy is the one that caters to your specific medical needs and requirements. It depends on your pocket and medical needs. From women-specific health insurance plans to critical illness insurance plans, senior citizen insurance plans, anything that fulfils your requirement is the best insurance policy for you. The key is to analyse your situation, family needs, and financial background and then choose a policy that checks all the criteria.

  • Which is the cheapest health insurance in India?

    There are a lot of health insurance companies in India that you can choose from. You can choose a plan that has an affordable additional annual premium from NAVI Insurance. With easy plans and EMI premium options, NAVI offers convenience and affordability to its customers.

Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000KA2016PLC148551