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Navi Health Insurance

15 reviews Rate This
Navi Health Insurance
Claim SettlementDedicated Team
Claim Settlement Ratio86.98%
COVID-19 CoverYes
Network Hospitals10,000+
Policies Sold48,035

With policies valued at over 200 crores, Navi Health Insurance founded in 2016 has emerged as one of the leading health insurance companies. They have established a reputation for paying out claims worth 100 crores and processing cashless claims swiftly, typically in less than 20 minutes. They offer medical coverage of up to Rs. 1 crore and have a 97% claim settlement ratio.

There are more than 11,000 network hospitals that are part of the wide network that Navi is recognized for. It is a digital platform that offers its users easy-to-use, reasonably priced, and straightforward medical finance services in times of medical emergency.[1]

About Navi Health Insurance

Navi Health Insurance offers a wide range of health plans to fulfil the health care needs of their customers. These plans consist of individual, family floater, top-up, etc. Navi Health provides its customers with a digital platform that offers them fast policy approval, claim settlement within 20 minutes, minimal documentation, unlimited online consultation, 100% hospital bill payment, 24*7 claim support, free health check-ups, etc. These benefits make the company unique.

The main aim of Navi Health Insurance is to make health insurance easy to buy and a hassle-free process for their customers.[1]

Key Features

The key features of Navi Health Insurance that set it apart are as follows:[1]

1. Digital Platform: The digital platform, Navi simplifies and streamlines the health insurance application procedure. Customers can access all of their insurance-related information quickly and easily with the use of an app.

2. Fast Policy Approval: With Navi health insurance, customers get their policy approved quicker without much delay. Getting the health policy approved without any issues anywhere in India makes the process easier for the customers.

3. Faster Claim Settlement: Using the Navi App, they are reported to settle claims within 20 minutes. The only significant condition to submit a claim application is to upload the necessary documents using the app. The Navi App allows you to monitor the status of your claim as well.

4. Minimal Documentation: Navi being a digital app requires minimal documentation from a customer which makes the process straightforward. Customers do not have to go through vast amounts of documentation.

5. Unlimited Online Consultation: Navi provides customers with unlimited doctor consultations online through their Navi App. The doctors under the network of Navi are available for medical consultations online.

6. 100% Hospital Bills Payment: In cashless claim benefit Navi covers 100% of the hospital bills without any co-payments. This benefit relieves the customers of any financial burden during emergency times.

7. Free Health Check-Ups: Navi offers their policyholders free health check-ups annually which helps them keep track of their health. These check-ups help people avoid any medical emergencies in the future because you can get an update on your health beforehand.

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Key Metrics

The following table displays the key performance metrics related to Navi Health Insurance:

Key Metrics


Claim Settlement Ratio


Solvency Ratio


Lives Covered


Launch Year


Eligibility To Purchase Navi Health Insurance Plan

Policyholder eligibility standards are specified by Navi Health Insurance, and they vary depending on the policyholder's age, waiting period, and duration of policy:

1. Age

  • Adults who are between the ages of 18 and 70 can apply.

  • Children between the ages of 91 days and 30 years are eligible for the coverage.

2. Waiting Period

30 days from the start of the insurance is the initial waiting period for Navi Health Insurance.

Top Plans Offered by Navi Health Insurance

The top plans by Navi Health Insurance Company are given below:


Plan Type

Sum Insured

Ideally Suited For

Navi Health

Individual/ Family Floater

2lakh- 1 crore

Everyone under the eligibility criteria

Navi Smart Health

Individual/ Family Floater

2lakh- 1 crore

Everyone under the eligibility criteria

Riders Offered By Navi Health Insurance

The riders offered by the Navi health insurance plan are given below:

Maternity: Navi offers customers with maternity rider as an additional benefit on their base policy. This benefit helps customers get medical coverage for their maternity-related issues and deliveries.

How To Purchase Navi Health Insurance Policy?

Navi medical insurance plans can be purchased online or during a home visit. The following options are available:

Purchase Navi Health Insurance Policy Via InsuranceDekho

Using InsuranceDekho to purchase a Navi Health insurance plan is a simple and quick process. When purchasing the policy through InsuranceDekho, you have two choices:

Steps for Purchasing Navi Health Insurance Policy with InsuranceDekho Online:

Step 1: Visit the InsuranceDekho website.

Step 2: Enter the details on the InsuranceDekho’s page.

Step 3: Decide the best plan for you.

Step 4: Pay the premium of the plan chosen.

Step 5: InsuranceDekho will assist after the payment is completed.

Purchase Navi Health Insurance Policy with InsuranceDekho with complete assistance

Step 1: Go to the InsuranceDekho official website.

Step 2: Fill out your information on the InsuranceDekho website

Step 3: Evaluate the Navi Health Plans That Are Available

Step 4: Ask for a callback.[2]

Purchase Navi Health Insurance Policy From Insurer’s Website

The following is a detailed how-to for buying a Navi Health Plan from the insurer's website:

Step 1: Go to the Navi Health Insurance website.

Step 2: Click on “Download App” in the top right corner.

Step 3: Download the Navi app to buy a health insurance plan.[1]

Step 4: Follow the process in the App as stated there.

Benefits of purchasing your Policy from InsuranceDekho

  • To ensure a hassle-free approach to settling claims, InsuranceDekho provides dual claim support.

  • When you work with us, you receive support in obtaining first insurance approvals.

  • We also assist you in changing your name, address, and other policy information as well as renewing your policy.

  • Based on a thorough industry scan, we present you unbiased recommendations for an insurance plan.

Documents Required for Purchasing Your Policy

The following paperwork must be submitted with your application for purchasing Navi Health Insurance:

  • A copy of the Proposal Form or OTP Verification

  • Voter ID, PAN card, Aadhaar Card, Driver's License or Passport for age verification

  • Proof of address such as a Ration card, Driver's Licence, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or Utility Bills

  • Passport-size Photographs

  • Medical Reports

How to Claim Your Health Insurance?

Navi Health offers customers the benefit of cashless claims. They cover 100% of the hospital bills under this benefit making the policyholders completely stress-free during uncertain times. Navi has a network of over 11,000 healthcare providers, which gives their customers a wide range of hospitals to choose from.

However, for a planned treatment in a non-network hospital, the policyholder has to inform the insurer 48 hours before hospitalisation. In an emergency, however, the policyholder has to inform the insurer within 48 hours of admission. The approval of the claim will be according to the terms and conditions of the policy.

Navi Health Insurance - Customer Service & Support

Throughout the purchasing process, the customer service team at Navi Health Insurance is available to help you if you need it or have questions. The various methods listed below are for you to get in contact with them:

  • For any queries or information, feel free to drop them an email at

  • You can write and send your letters to:

Navi General Insurance Limited, Vaishnavi Tech Square, 7th Floor, Iballur Village Taluk, Begur Hobli, Bengaluru, Karnataka- 560 102

  • Call them on their toll-free number: 1800 123 0004[3]

Additionally, you can contact the InsuranceDekho Customer Support Team by calling at +91-755 1196 989 or by emailing[4]

Complaints & Grievance Redressal

You can get in touch with Navi Health via the following channels if you need them to respond to your questions or concerns straight away:

  • Email:

  • Contact Number: 8147544555

  • Mail Address: Navi Finserv Limited, 2nd Floor, Vaishnavi Tech Square, Iballur Village, Taluk, Bagalur, Begur, Bengaluru, Karnataka 560102

  • If your issue persists, you can contact the Insurance Ombudsman[5]

If you have a complaint, InsuranceDekho can also assist you. Contact information for Mr. Rohit Khurana, the Grievance Redressal Officer, is You can contact the Principal Officer at to report the issue if it persists. For further information, visit our Grievance Redressal page.[6]








Health Insurance News


  • What is the address of Navi General Insurance?

    The address of Navi General Insurance is-Salarpuria Business Centre, 4th B Cross Road, 5th Block, Koramangala Industrial Layout, Bengaluru, Karnataka - 560095.

  • Is there any waiting period for specific illnesses under health insurance plans provided by Navi General Insurance?

    Yes, for pre-existing illnesses, there is a waiting period of 3 years for a sum insured amount of Rs. 10 Lakh and above and a waiting period of 4 years for a sum insured below Rs. 10 Lakh. 

  • How can I buy and apply for a Navi General Health Insurance plan?

    You can apply for or purchase a health insurance policy from Navi General Insurance Company from their official website, i.e. by downloading the Navi Health App. 

  • What is the maximum number of claims allowed in a year?

    There is no limit on the number of claims allowed in a policy period. The only limit is the maximum sum insured under the plan selected. 

  • What are some common benefits provided by health insurance plans by Navi General Insurance?

    The following benefits are provided by health insurance plans by Navi General Insurance:

    • In-patient hospitalisation
    • Vaccination for post-bite treatment
    • Pre hospitalisation expenses
    • Post hospitalisation expenses
    • Emergency ambulance
    • Organ donor expenses
    • Day care procedures 

User Reviews

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What users are saying
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  • Easy And Simple Process

    Using InsuranceDekho, I was able to locate Navi Insurance with ease, and the whole process went well. The insurance plan I selected is quite affordable and provides clear, comprehensive coverage. It was easy to evaluate choices and choose the greatest fit for my needs thanks to the platform. Anyone searching for hassle-free insurance should definitely check it out.

    By Sunny Malhotra
    On: Jun 12, 2024
  • Great Experience

    My purchase of the Navi Health Insurance Plan from the official website of InsuranceDekho was awesome. The services offered by the InsuranceDekho company were nice and highly customer-focused. I bought a Navi health insurance plan smoothly and conveniently through their online platform. Hats off to the customer support team for dedicatedly working hard day and night.

    By Abhishek Sharma
    On: Mar 12, 2024
  • No paperwork involved

    There was no paperwork involved when I decided to buy the Navi Health Insurance Plan through the online platform of InsuranceDekho company. So, when I was buying the Navi Health Insurance Plan, without much paperwork required, everything was done digitally. I was easily able to get the policy issued. Thanks

    By Bhupender Rao
    On: Mar 01, 2024
  • Affordable plan

    Navi Arogya Sanjeevani Policy is an affordable health insurance policy that I bought last week at InsuranceDekho. It covers me and my family for all basic health care expenses. I liked it. 

    By Niyati Khanna
    On: Jul 29, 2021
  • Paperless procedure

    I recently bought Navi General’s Arogya Sanjeevani Policy online at InsuranceDekho. The process was very smooth and did not involve any paperwork. I read about the policy benefits online and decided I found it most suitable for myself and my family so bought it.

    By Dev Bhatia
    On: Jul 27, 2021