It’s never an easy task to choose a Health Insurance Policy, especially when policy documents are filled with too much jargon and confusing terms and conditions.
It’s our objective at Navi Health Insurance to eliminate this confusion so that you can choose the right health insurance policy for yourself and your family.
In this Post, I will tell you about:-
Navi Health Insurance Policy’s benefits,exclusions and waiting periods.
So, let’s start.
NAVI HEALTH – What Benefits Do You Get?
100% Hospital Bill Covered Navi Health covers your entire hospitalisation bill.
This is applicable in both cases – planned and unplanned hospitalisation – but it’s necessary that hospitalisation should be more than 24 hours.
And yes,
this also covers covid-19 hospitalisation cases.
This also includes,
Room rent charges for a single room without any restrictions, ICU charges, Medical practitioner fees, Medicines and diagnostic test expenses.
Navi Health also covers expenses for consumables like surgical masks, PPE kit, etc. that other policies normally don’t cover.
Lastly, there are several medical procedures for which you might need to get admitted to the hospital but treatment takes less than 24 hours such as dialysis, angiography and more.
Navi Health covers such eligible day care procedures as well.
Pre and post-hospitalisation Navi Health Insurance not only covers expenses during hospitalisation, but also covers pre- and post-hospitalisation expenses.
Let’s understand this with an example:
Let’s say Rohit gets admitted to the hospital on January 1, 2022 and is discharged on January 10, 2022.
In this case, Navi Health Insurance will cover 90 days’ pre-hospitalisation expenses from October 3 to October 31, 2021,
as well as 180 days’ post-hospitalisation expenses from January 10, 2022 to July 10, 2022.
Hospitalisation at home: If hospital admission is impossible due to patient’s condition or unavailability of hospital bed, then Navi Health Insurance will coverbat-home treatment expenses for 3 or more days.
Unlimited Online Doctor Consultation Navi Health offers unlimited online consultations with India’s top doctors at no additional cost.
Complimentary Health Checkupsb Navi Health offers insured members above 17 years of age one complimentary preventive health check in every policy year.
In addition to these, Navi Health also covers: Organ donor expenses Additional 100% Sum Insured for Road Accidental Injury Air Ambulance cover up to Rs.5 lakh Navi Health Insurance also offers some benefits on an add-on basis.
This means, you can take advantage of these benefits by opting for them at the time of purchasing the policy.
Maternity Benefits Under maternity benefits, you can get an additional coverage of up to Rs 30,000 for up to 2 deliveries and/or for lawful termination of pregnancy.
But please note that this comes with a waiting period of 3 years.Newborn Baby benefits Under this add-on, hospitalisation expenses of up to Rs 10,000 are covered for a newborn baby within 90 days of birth.
WHAT IS NOT INCLUDED?
There will always be some exclusions under any insurance policy. When talking of Navi Health Insurance, we don’t cover the following things:
OPD Treatment – unless mentioned in the policy schedule.
Dental Procedures – unless this is due to an accident that required hospitalisation Correction of Eyesight Treatment for Alcoholism, Drug or Substance Abuse, Cosmetic or Plastic Surgery, Covid Vaccine Costs, Apart from this, there are a few other exclusions as well that are clearly mentioned in the policy document.
That’s why, you must read your policy document so that you’re duly informed about all the exclusions in your policy.
WHAT ABOUT WAITING PERIOD?
Just like any other insurance company, Navi Health Insurance also enforces waiting periods in certain cases.
Let’s understand this with an example:
Let’s say Rohit’s Navi Health Policy
gets activated on January 1, 2022 .
So, from January 1, 2022 onwards his policy will cover all accident-related hospitalisation treatment, like fire accident, road accident, etc.
After 30 days, that is from January 31, 2022, his policy will start covering hospitalisation treatment related to all illnesses.
But, there are certain specified illnesses like cataract and retinopathy, ulcer and hernia, arthritis, etc.
for which hospitalization treatment will be covered only after one year,
that is January 1, 2023.
I hope this Post has helped you
clearly understand the benefits of Navi Health Insurance policy.
You’ll also be glad to know that Navi Health Insurance offers cashless claims within 20 minutes across 10,000+ network hospitals in India without involving any paperwork or agents.
For more information about Navi Health Insurance, download the Navi app today.
