Navi General Health Insurance vs Care (Religare) Health Insurance

With the increase in the number of infectious diseases and lifestyle-related health ailments; health insurance coverage has become a necessity rather than a luxury. A good health insurance policy provides all-round protection for a variety of health ailments. It is also value-for-money. To find an insurance policy that gives you coverage at an economical cost, you can compare the policies offered by leading and trusted health insurance providers. Navi General Insurance and Care Health Insurance have a range of insurance policies that cover diverse health needs. 

Navi General Insurance versus Care Health Insurance – Overview 

ParameterNavi General InsuranceCare Health Insurance
Number of health insurance policies713
E-servicesPolicy sale, Policy renewal, Claim settlement, Online consultation, Branch locator, 24×7 customer servicePolicy sale, Policy renewal, Claim settlement, Online consultation, Branch locator, 24×7 customer service
Branches17140+
Claim settlement ratio84.31%93%
Network Hospitals 5,000+7,800+

*Source: IRDAI Annual Report 2018-19

Health Insurance Policies: Navi General Insurance versus Care Health Insurance

Navi General Insurance, also known as COCOCure Health Insurance offers 7 health insurance policies for individuals, families, senior citizens and corporate groups. These policies provide coverage for critical illnesses, accidents, COVID-19, vector-borne diseases and other health issues. 

Care Health Insurance offers 13 health insurance policies to cover individual, family, senior citizen, and maternity and newborn baby needs. These policies provide coverage for critical illnesses, accidents, pre-existing heart ailments, cancer, diabetes, and COVID-19, among several other health problems. 

This Navi General Insurance and Care Health Insurance comparison guide will guide you towards a provider offering you the best benefits. 

Family Floater Policy: 

Navi General Insurance offers COCOCure, a family floater policy that provides: 

  • A sum insured (SI) amount up to Rs.1,00,00,000 (1 crore)
  • Coverage for pre, post and in-patient hospitalization expenses
  • Coverage for 5 mental ailments (up to Rs.3,00,000 only)
  • Coverage for HIV and AIDS, bariatric surgery, maternity and newborn baby expenses  
  • Extra cover of Rs.20,000 for 6 vector-borne diseases like dengue, malaria, swine flu, etc. 
  • Coverage for day-care procedures, domiciliary hospitalization and emergency road and air ambulance expenses 
  • Reimbursement of organ donor transplant expenses 
  • Coverage for non-allopathic (AYUSH)# treatment 

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

Care Health Insurance offers 3 family floater policies – Care, Care Advantage and Care Super Top-up. These policies provide: 

  • A sum insured (SI) amount of up to Rs.6,00,00,000 (6 crore)
  • Reimbursement of pre, post and in-patient hospitalization charges
  • Reimbursement of expenses incurred for daycare treatments, organ donor transplant, and advanced surgical procedures 
  • Reimbursement of domiciliary hospitalization and AYUSH treatment expenses
  • Reimbursement of ambulance charges 
  • Second medical opinion and annual health checkup 
  • A maternity and newborn baby cover
  • Worldwide coverage 

Arogya Sanjeevani Policy:  

Navi General Insurance Arogya Sanjeevani Policy offers:  

  • A sum insured (SI) amount up to Rs.5,00,000
  • Coverage for pre, post and in-patient hospitalization charges
  • Coverage for daycare treatments and advanced technology treatment  
  • Coverage for cataract treatment and AYUSH treatment 
  • Waiver of pre-policy medical test for individuals aged up to 50 years and with no adverse medical history

Care Health Insurance’s Arogya Sanjeevani Policy offers:  

  • A sum insured (SI) amount up to Rs.5,00,000
  • Coverage for pre, post and in-patient hospitalization charges
  • Full coverage for AYUSH treatment
  • 25% of SI for cataract treatment 
  • 50% of SI for modern technology treatment 
  • Coverage for ambulance expenses (Rs.2000 per hospitalization)

Corona Kavach Policy: 

Navi General Insurance Corona Kavach Policy offers: 

  • A sum insured (SI) amount ranging between Rs.50,000 – Rs.5,00,000
  • Reimbursement of pre, post and in-patient hospitalization charges
  • Coverage for AYUSH treatment and home care treatment
  • Waiver of pre-policy medical test
  • The policy on an individual and family floater basis 
  • A policy term of 3.5, 6.5 and 9.5 months

Care Health Insurance’s Corona Kavach Policy offers:

  • A sum insured (SI) amount up to Rs.5,00,000
  • Reimbursement of pre, post and in-patient hospitalization charges
  • Coverage for AYUSH treatment and homecare treatment
  • Waiver of pre-policy medical test
  • Option to buy the policy online
  • The policy on an individual and family floater basis 
  • A policy term of 3.5, 6.5 and 9.5 months

Moreover, all of Care Health Insurance’s health policies offer COVID-19 coverage too. With access to the comparative features of the policies offered by Navi General Insurance and Care Health Insurance, you can make an informed choice.