Navi Health Insurance

1. Road Ambulance Expenses: In emergency cases, the Navi Health Insurance plans will incur the complete cost of a road ambulance to take the patient to the nearest hospital. The ambulance will be equipped with all sort of facilities to take patient safely in the hospital.
2. In-Patient Hospitalisation Expenses: The plan also provides in-patient hospitalization coverage to the insured including boarding expenses, room rent expenses, blood, nursing, ICU expenses, doctor’s fee, anaesthesia, and others.
3. Homecare Benefit: Navi Health Insurance plans will also cover the complete medical expenses that are spent owing to the treatment received ay home for illness or existing diseases.

Exclusions in Navi Health Insurance Plan

The following are the exclusions in Navi Health Insurance Plan:

1. Alcohol or drug abuse
2. Plastic or cosmetic surgery
3. Breach of law with criminal activity

1. War or nuclear exposure
2. Adventure sports
3. Physical development disorders
4. Non-allopathic treatments
5. Gender change treatments

1. Treatment for obesity
2. External congenital anomaly

How to Buy Navi Health Insurance Plan

Given below are the steps that you need to follow to buy Navi Health Insurance Plan: 

1. Download Navi App on your mobile phone.
2. Go to ‘Health Insurance’ section.
3. Click on ‘Get Insured’ option.
4. Now, include the number of members for whom you want the coverage.
5. Enter, your pincode  and click on ‘Next’.

1. Next, choose the coverage amount and premium amount and click on ‘Next’.
2. Finally, enter your phone number and click on ‘Get Insured Now’.
3. The official representatives will get in touch with you for the further process.

Documents Needed for Claim Settlement

You need to submit the following documents for claim settlement:

1. Permanent Account Number (PAN) card
2. Voter ID

1. Aadhar card
2. Driving license
3. Health card received from Navi Health Insurance
4. Original hospital bills
5. Original discharge reports

Process of Making a Cashless Claim of Navi Health Insurance

Given below are the step-by-step process to make a cashless claim of Navi Health Insurance:

1. Take admission to a network hospital: First, you are required to get admitted to any of its network hospitals and inform the Third-Party Administrator about your admission.
2. Submit the Cashless Claim Form: Fill the cashless claim form and submit the duly filled form to the Third-Party Administrator.
3. Documents Verification: Once you have submitted the duly filled form, the Third Party Administrator will verify all your documents for the claim settlement process.

1. Claim Settlement: You will be receiving the pre authorization letter from the insurance company once your claim request is approved. Post that, you can start receiving the cashless treatment at the hospital.

Process to Make a Navi Health Insurance Claim

The following are the steps to make a Navi Health Insurance Claim:

1. Get admitted in a non-network hospital: First, you need take admission at a network of your choice and get in touch with Third Party Administrator.
2. Pay for getting the treatment: Make settlement of hospital bills on your own.

1. Collect all the relevant documents from the hospital: Finally, collect all the required documents which you should submit at the insurance company for the claim settlement.

Factors Determining Premium for Navi Health Insurance Plan

Given below are the important factors which are considered to calculate the premium for Navi Health Insurance Plan:

Age

Age is the primary factor which determine the premium amount of Navi Health Insurance Plan. Like any other health insurance policies, Navi Health Insurance Plan follows the thumb rule of age. For instance, if the age of the policyholder is greater, then the premium amount will be higher. So, if you are purchasing Navi Health Insurance policy later in life, you need to pay higher premium.

Family Medical History

If any of your family members are suffering from certain health ailments like asthma, diabetes, and heart disease, then it will affect your policy amount. This is because you will be often filing claim due to these ailments.

Lifestyle Habits

Bad lifestyle habits like drinking or smoking on a regular basis will affect your health significantly which will increase the chances of making claim. So, if the policyholder is having an unhealthy lifestyle, then they need to pay a higher premium.

Pre-Existing Diseases

Pre-existing diseases are the health ailments which the policyholders were suffering before purchasing the health insurance plan. In such cases, the policyholders are required to pay a greater premium amount.

Add-on Covers

Apart from the abovementioned reasons, if the policyholders purchase add-on covers for getting extra coverage of Navi Health Insurance plan, then they are liable to pay a greater amount of premium. The add-on coverage includes a co-payment option, maternity cover, hospital daily cash health coverage, and a non-sub limit option.

Features of Navi Health Insurance Plan

The following are the features of Navi Health Insurance Plan:

1. Network Hospitals

Navi has collaborated with over 10,000 hospitals. These hospitals help the policyholders to get cashless treatments during a medical emergency.

2. Solvency Ratio

Navi Health Insurance comes with the solvency ratio of 2.35 according to the IRDAI annual report 2020-21. This will help the policyholder in assessing the ability of a company to meet its financial obligations.

3. Presence Across the Country 

With the strong presence of over 400 locations, Navi Health Insurance ensures that the policyholders can directly visit their nearest branch office for any sort of claim related or policy related queries.

4. Claim Support

Claim support facility will help the customers in analyzing its claim setting ability.

5. Customer Support Team

Navi Health Insurance has a 24/7 customer support team that will help in solving any queries and issues. The customers can get in touch with their toll free number, write their queries via mail or visit its nearest branch.

6. Ease of Buying

Navi helps the policyholders in purchasing the health insurance in 90 seconds by using NaviHealth App. The entire process is paperless with an instant policy generation. Not only this, but the policyholders are not required to go for medical check up to purchase its health insurance plans.

Benefits of Buying Navi Health Insurance Plan

Navi Health Insurance plan provides the following benefits to its policyholders:

1. No Copayment for Lifetime: Navi Health Insurance Plan provides a comprehensive coverage of the treatment expenses that are listed in the policy for the ones who are below 61 years of age.
2. Free Refill of Cover Amount: If the original amount of coverage is over within a policy year, the company will provide instant refill of 100% of the original cover amount that can be used by the policyholder for hospitalization.

1. No Limit on Room Rent: The policyholders can opt for hospitalization in a shared or single room without any limit on room rent.
2. Lifetime Renewability Guaranteed: Navi Health Insurance plans come up with lifetime renewability benefits to its policyholders which means that there is no maximum age limit for renewing the policy.
3. Cumulative Bonus: The plans provide cumulative bonus or No Claim Bonus (NCB) every year when the claim is made.

Navi Health Insurance Policy Terms

The following are the policy terms of Navi Health Insurance plan:

1. Minimum Age Limit: Child: 91 days and Adult: 18 years
2. Maximum Entry Age: There is no age limit for sum insured of Rs.2 lakh. However, for all other sum insured, the maximum age limit is 70 years.
3. Policy Renewal: The policy is renewable for a lifetime. In case of a dependent child, it is 30 years.
4. General Waiting Period: The general waiting period of Navi Health Insurance is 30 days. The policyholders cannot claim any amount during this period of time.