Navi General Insurance Limited
Navi Health
Navi General
UIN NAVHLIP22133V012122We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
95%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
10,000+
Free look
15 days
What this plan does well
- Digital-first claims processing via Navi app
- Dependent Child up to 30 years (DISTINCTIVE extended age)
- AYUSH coverage
- Modern Treatments — 11 listed up to SI
- Domiciliary Hospitalization up to SI
- Day care all procedures
- Lifelong renewability
- Portability supported
Watch out for
- PED waiting 48 MONTHS — LONGER than industry 36-month standard. DEALBREAKER.
- Pre/Post 30/60 (lower than Premia 60/180)
- Navi General relatively new insurer (started 2016) — limited claims history
- OPD only via addon
- Maternity coverage variant-dependent
- Free Look 15 days
- Network ~10K (verify — smaller than top-tier 22K)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.