OneAssure

Health Insurance

Navi

Navi Health Insurance

Pay monthly premium at no extra charges. Get access to 12,000+ cashless hospitals across India and 24/7 claims relationship manager support.

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80.39%

Claim Settlement Ratio

12,000+

Network Hospitals

5.06

Insurer Rating

Navi Health Insurance

Navi Health Insurance Review: Benefits, Network and What to Consider

Navi Health Insurance offers a digital-first insurance experience with online policy access, cashless hospitalisation and claims support. Its published features include eligible hospitalisation expenses, pre- and post-hospitalisation benefits and no hospital room rent limit on the relevant product. Customers should review the policy wording, claim disclosures and exclusions before choosing a plan.

What We Like

Monthly premium payment option: Navi advertises a monthly payment option for its health insurance product.

Pre- and post-hospitalisation cover: The advertised product includes eligible expenses before and after hospitalisation, subject to the specified limits and conditions.

Hospitalisation benefits: The product includes eligible hospitalisation and related medical expenses, subject to policy terms.

24/7 claims support: The insurer advertises round-the-clock claims relationship manager support.

Large advertised hospital network: Navi's official website lists more than 12,000 cashless hospitals.

Digital-first experience: Customers can access policy information and use digital channels for policy-related services.

Areas of Improvement

Geographic network figures are not verified: The reviewed official page provides a hospital count but does not establish a verified total number of cities and states or union territories covered.

Optional benefits may vary: Customers should confirm whether maternity, newborn or other additional benefits apply to their chosen policy.

Network availability should be checked: Customers should confirm the current cashless status of their preferred hospital.

Policy wording requires attention: Coverage limits, waiting periods and exclusions should be checked before purchase.

ICR data is dated: The reviewed ICR figure is for FY 2023–24, so it should not be presented as a current-year result.

Claim metrics need context: Buyers should review the reporting period and definition behind each claim settlement figure.

Final Verdict

Navi Health Insurance offers a digital-first approach to buying and managing health insurance. Its official website advertises 12,000+ cashless hospitals, 24/7 claims relationship manager support, no co-payment for eligible customers under the advertised conditions, and no hospital room rent limit on the relevant product. The policy also advertises hospitalisation-related benefits,...

Navi Health Insurance offers a digital-first approach to buying and managing health insurance. Its official website advertises 12,000+ cashless hospitals, 24/7 claims relationship manager support, no co-payment for eligible customers under the advertised conditions, and...

Navi Health Insurance

About Navi

Navi Health Insurance

Navi Rating

Insurer Rating

5.06

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

71.44%

Network Hospitals

12000

Solvency Ratio

4.56

Complaints

2.85%

Layer 2 - Customer Features (30%)

Claims Support

3.5/5

Digital App Experience

4.5/5

Navi Health Insurance

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Mumbai

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Thane, Maharashtra

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

West Bengal

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Mumbai, Maharashtra

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Navi Health Insurance

Pros and Cons

Pros

Navi provides digital channels for policy access and policy-related services
Navi's official health insurance page advertises more than 12,000 cashless hospitals across India
The insurer advertises 24/7 claims relationship manager support.
The advertised product includes eligible hospitalisation expenses and pre- and post-hospitalisation benefits, subject to the policy terms.

Cons

Claim settlement and incurred claim ratio figures relate to specific reporting periods and should be compared using consistent definitions.
Benefits, exclusions, waiting periods and limits depend on the policy version and selected coverage.
Customers should confirm whether their preferred hospital is currently in the cashless network before planned admission.
The reviewed official sources do not establish a verified total for cities and states or union territories covered.

Navi Health Insurance

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Navi Types

Explore Navi Health Insurance

Explore Navi Health Insurance for eligible hospitalisation expenses and related medical benefits. Review the available coverage, waiting periods, exclusions, limits and policy conditions before choosing a plan.

Explore Navi Health Insurance

Explore Navi Health Insurance for eligible hospitalisation expenses and related medical benefits. Review the available coverage, waiting periods, exclusions, limits and policy conditions before choosing a plan.

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Navi Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Navi Network Hospitals

12,000+

Network hospitals across the country for cashless treatment

400+

Cities covered nationwide for easy access to quality healthcare

25-30

States and union territories ensuring comprehensive coverage

12,000+

Network hospitals across the country for cashless treatment

400+

Cities covered nationwide for easy access to quality healthcare

25-30

States and union territories ensuring comprehensive coverage

Navi Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Navi Health Insurance

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FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.