Navi General Insurance

Key Features

Claim Settlement Ratio 76.20%

Claim Settlement Facility 100%

Network Hospitals 10,000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 26.78%

About Navi General Insurance

Navi general insurance is a wholly owned subsidiary of Navi technologies. The company was incorporated on July 5, 2016 and started its operations in November, 2017. Navi general insurance received the general insurance license from the Insurance regulatory and development authority of India in the year 2016-17 and commenced its operations in 2017 in Bengaluru, Karnataka. As on Dec 31, 2020 the company has served about 1.2 Million customers with its wide range of general insurance products such as Car insurance, bike insurance, Commercial vehicle insurance, Health insurance, property insurance, gadget insurance etc.


Navi Health Insurance Plans

Health Companion

The plan is available in different sum insured options with a minimum sum insured of ₹3 lakhs and a maximum sum insured of ₹1 Crore in three variants. Hospital cash can be availed up to ₹4000 per day in case of hospitalization. No claim bonus of up to 20% extra sum insured can be availed for every claim free year subject to a maximum of 100%.

Benefits of Navi health insurance

The expenses incurred towards living donor’s hospitalization for harvesting the organ donated, where the insured person is the recipient. The organ donor expenses would be covered up to the basic sum insured mentioned under the policy.

Key Features of Navi General Insurance

Non payable expenses : The non payable items under the health insurance policy would be paid by the company up to the basic sum uninsured limit mentioned under the policy. These items should be prescribed by the treating doctor and billed for during the insured person’s hospitalization.

Claim Settlement Process

Navi health insurance claim form can be downloaded from the website of the company and the same can be downloaded from here.


Navi health insurance is the best health insurance in India which provides cashless claim settlement approval within 20 minutes and the reimbursement claim settlement would be done within 4 hours of submission of the documents. The company is backed by Sachin Bansal who is the founder of Flipkart and Navi technologies, the parent company of Navi general insurance company.