
Navi
Navi Health
The Navi Health Plan is designed to provide financial protection against hospitalization expenses to individuals and families. Its key features include coverage for inpatient care, pre- and post-hospitalization costs, ambulance charges, and AYUSH treatments. The plan also includes benefits like online doctor consultations and a cumulative bonus to increase the sum insured for each claim-free year, along with automatic restoration of the base sum insured.
What's good here?

Personal Accident Cover
In-built Personal Accident cover, the insurance company will payout a lumpsum up to 100% of base cover in case the insured person passes away in an accident.
In-built Personal Accident cover, the insurance company will payout a lumpsum up to 100% of base cover in case the insured person passes away in an accident.

You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations. But this benefit is available only in case you are porting to this plan.

Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

Consumables are covered in this policy
Consumables are covered in this policy.
What's okay here?

Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
What's lacking here?

No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

Maternity benefits not offered
The insurer does not cover expenses related to maternity

Doctor consultations are not covered
Doctor consultations are not covered.
Add-on
Maternity
With this add-on, you get added coverage for maternity expenses i.e. childbirth and newborn expenses. However the coverage is limited to ₹30,000 for delivery and ₹10,000 for newborn.
Frequently Asked Questions

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