Navi Health insurance review: what the policy wording says
Navi Health (UIN NAVHLIP27036V032627) pays up to a single private AC room with no co-payment, and ICU without a limit. Road ambulance is paid at actuals. Many numbers are set in your policy schedule rather than the wording: the pre and post-hospital days, the guaranteed bonus rate, and how many times the sum insured is restored. Pre-existing diseases wait 36 months.
What the wording fixes
- Room up to a single private AC room. A higher room means the related bill is paid in proportion. An Any Room upgrade is offered on ₹1, 2 and 3 crore covers.
- ICU with no limit. No co-payment.
- Road ambulance at actuals. Air ambulance up to ₹5 lakh is an add-on.
- Modern treatments up to the sum insured.
What your schedule decides
Read these lines in your policy schedule. The wording only says they are set there.
- Days covered before and after a hospital stay.
- The Guaranteed Bonus rate.
- How many times the base sum insured is restored in a year.
Add-ons
- Maternity and newborn: up to ₹30,000 for delivery, after 36 months.
- AYUSH, treatment at home, organ donor, items a bill normally leaves out, OPD.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 36 months. |
|---|
| Listed illnesses and surgeries | 24 months. |
|---|
Frequently asked questions
Does Navi Health have a room-rent limit?
Yes, up to a single private AC room. An Any Room upgrade is available on ₹1 crore and higher covers.
Is AYUSH covered in Navi Health?
Only as an add-on. The same goes for organ donor costs and treatment at home.
How many days before and after hospital does Navi Health cover?
The number of days is set in your policy schedule, not in the wording.
Compare these plans clause by clause
Where this comes from
- Navi Health policy wording, UIN NAVHLIP27036V032627. Clauses 3.1, 3.4, 3.10 Guaranteed Bonus, 3.12 restoration, 3.16, optional covers, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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