Navi Health Insurance

Formerly known as DHFL General Insurance, Navi General Insurance is a wholly-owned subsidiary of Navi Technologies. The company commenced its operation in November 2017 and caters to different insurance requirements of customers by offering a range of insurance products such as health, motor, property, gadget, and commercial insurance solutions at affordable premiums. It is promoted by Sachin Bansal, the Co-Founder of Flipkart, and aims at offering simpler insurance solutions for all while making them more accessible and affordable.

Navi General Insurance offers health cover of up to Rs 1 Crore through a completely paperless process. In addition, it offers more than 20 benefits through its health insurance plans which includes cashless hospitalization, pre-hospitalization, and post-hospitalization, hospitalization at home cover, daycare treatment, in-patient hospitalization, COVID-19 cover, vector-borne disease cover, no co-payment, no room rent capping, optional critical illness cover, optional maternity cover, etc. The company also works with a vision to use technology to design and offer its insurance solutions to meet the requirements of the new-age customers. 

Incurred Claim Ratio (F.Y. 2019-20)34.69%Network Hospitals10,000+RenewabilityLifelong

Navi General Insurance offers a range of health insurance plans to fulfill varied necessities of individuals and families. Below is the list:

• Navi Cure Policy
• Navi Coco Seasonal Byte Policy
• Navi Arogya Sanjeevani Policy
• Navi Corona Kavach Policy
• Navi Corona Rakshak Policy

• Navi General Insurance features an impressive Claim Settlement Ratio of 86.98% for FY 2019-20, which shows that the company is a reliable insurance partner and handles the claims of the insured individuals well.
• Navi General insurance boasts of a vast network of over 10,000 hospitals across India where the policyholders can easily avail of cashless treatments.
• Navi General Insurance has a diligent customer support team to assist customers with all kinds of queries or grievances so that they can understand, and enjoy insurance in a better way.
• Navi General Insurance provides a smooth and hassle-free experience in terms of claim settlement process to the policyholders while ensuring cashless claim approval in 20 minutes and reimbursement claim approval within 4 hours.
• With the NaviHealth App, the customers can buy health insurance in 90 seconds, ensuring instance policy generation and hassle-free paperless process. Also, no medical check-up is required to purchase health insurance plans from Navi General Insurance.

Navi General Insurance ensures a seamless and transparent claim settlement process. Under the Navi health insurance plans, there are two types of claims that can be made – cashless claims and reimbursement claims. To make cashless claims, the insured needs to undergo treatment only at a network hospital, whereas in case of reimbursement claims, the insured can seek treatment at a non-network hospital.

Follow the simple steps below to make a cashless claim under Navi General Insurance plans:

• Step 1: Get admitted to a network hospital and inform the TPA or Third Party Administrator regarding the hospitalisation.
• Step 2: Submit the cashless claim form to the TPA -Third Party Administrator.
• Step 3: The Third-Party Administrator will verify the documents submitted to process the claim further.
• Step 4: If the claim request is approved, the insurance company will issue a pre-authorization letter. The insured can avail of the required treatment under their policy coverages, without paying for any medical expenses at the hospital. The insurance company will directly settle the bills with the hospital network.

Below are the steps to raise a reimbursement claim request with Navi General Insurance company:

• Step 1: Get admitted to a non-network hospital, avail the treatment and inform the TPA – Third Party Administrator about the same.
• Step 2: Pay for the treatment availed at the hospital and settle the bills.
• Step 3: Make sure to collect all the relevant documents from the hospital such as original bills and diagnostic reports to submit the same at the time of claim settlement to the insurance company.
• Step 4: If the insurance company finds the claim requests and the documents as per the terms and conditions under the policy, then the insurer will pay for the expenses incurred on the treatment availed.

The documents required for Navi Health Insurance reimbursement claim settlement process are:

• Navi General Insurance Health card along with the policy 
• Valid photo identification proof – voter ID card/ PAN card/aadhar card/ driving license/passport.
• Original hospital bills
• Original discharge reports
• Other reports as required by the insurance company

It is essential to renew Navi General Health Insurance plans to continue availing benefits under them such as No Claim Bonus, waiting for period benefits, etc. Below are the steps to renew Navi health insurance plans:

• Step 1: Visit the official website of Navi General Insurance, click on the Quick Help tab and then click on the Quick Renewal tab.
• Step 2: The insured needs to enter his or her personal details including policy number, customer ID, and then click Proceed.
• Step 3: Several health insurance quotes will be displayed on the screen. The insured needs to select the most suitable one of them.
• Step 4: Pay the health insurance renewal premium through any of the flexible modes offered.