Group Insurance 141 views June 5, 2021

Navi COCO Group Criti Surgical Protect Plan

Treatment costs of critical illness can ruin your finances in no time due to rising inflation. Navi COCO Group Criti Surgical Protect Plan could be the best decision for companies wanting to protect employees’ finances from going towards medical expenses on critical illnesses. This plan also provides coverage expenses on surgery during the policy term.

We are showing some of the prominent features of this plan below that you should check.

  1. Critical illness coverage
  2. Surgical cash benefit
  3. Coverage against accidental death or disability
  4. Child tuition benefit
  5. Medical second opinion facility
  6. Loss of income coverage
  7. A 15-day free look period
  8. Tax benefits under Section 80D of Income Tax Act, 1961

On this page, we will discuss the features and benefits of the Navi COCO Group Criti Surgical Protect Plan in detail. It will help you understand this plan better. Let’s start!

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Features and Benefits of Navi COCO Group Criti Surgical Protect Plan in Detail

This plan from Navi General Insurance provides several benefits to the insured members under a group. We are showing them below. Please check!

Critical Illness Coverage

If an insured person is suffering from any of the 45 specified critical illnesses during the policy term (after the waiting period), the policy will pay the sum insured. The list of critical illnesses is divided into six groups. You can check them below.

Group I – Cancer

  1. Cancer of Specified Severity

Group II – Heart Related Illnesses

  1. Myocardial Infarction (First Heart Attack of Specific Severity)
  2. Open Chest CABG
  3. Pulmonary Artery Graft Surgery
  4. Open Heart Replacement or Repair of Heart Valves
  5. Aorta Graft Surgery
  6. Cardiomyopathy
  7. Primary (Idiopathic) Pulmonary Hypertension
  8. Coronary Artery Disease
  9. Refractory Heart Failure

Group III – Nervous System and Related Illnesses

  1. Stroke Resulting in Permanent Symptoms
  2. Permanent Paralysis of Limbs
  3. Motor Neuron Disease with Permanent Symptoms
  4. Coma of SpecifiedSeverity
  5. Bacterial Meningitis
  6. Benign Brain Tumor
  7. Encephalitis
  8. Multiple Sclerosis with Persisting Symptoms
  9. Major Head Trauma
  10. Progressive Supranuclear Palsy
  11. Primary Parkinson’s Disease
  12. Multiple System Atrophy
  13. Alzheimer’s Disease
  14. Apallic Syndrome
  15. Spinal Stroke
  16. Creutzfeldt-Jakob Disease

Group IV – Major Organ Related Illnesses

  1. Kidney Failure Requiring Regular Dialysis
  2. End Stage Liver Failure
  3. End Stage Lung Failure
  4. Major Organ / Bone Marrow Transplant
  5. Systemic Lupus Erythematosus
  6. Aplastic Anaemia
  7. Good Pasture’s Syndrome
  8. Progressive Scleroderma
  9. Medullary Cystic Disease
  10. Myasthenia gravis

Group V – Disability

  1. Loss of Limbs
  2. Blindness
  3. Deafness
  4. Loss of Speech
  5. Loss of Independent Existence

Group VI – Other Major Incidents

  1. Third Degree Burns
  2. Pneumonectomy
  3. Muscular Dystrophy
  4. Poliomyelitis

Surgical Cash Benefit

During the policy term, if an insured person is undergoing a covered surgery in a hospital, the policy will cover the expenses incurred on it up to the sum insured. The covered surgery should be medically necessary and recommended by a specialist medical practitioner to get the benefit.

Personal Accident Coverage

If a policyholder meets with an accident during the policy term and the injuries arising from it result in death or disability, Navi COCO Group Criti Surgical Protect Plan will provide up to 100% sum insured.

In case of an accidental permanent total disability, the payable amount will be according to the below table..

Nature of EventPercentage of the Sum Insured
Actual loss by physical separation of two hands, or100
Actual loss by physical separation of two entire feet, or
Actual loss by physical separation of one entire hand and one entire foot, or
Actual loss by physical separation of one entire hand or one entire foot and loss of sight of one eye
Sight of both eyes, or100
Use of two hands, or
Use of two feet, or
Use of one hand and one foot, or
Use of one hand or one foot and loss of sight of one eye.
Hemiplegia or Paraplegia or Quadriplegia100

Child Tuition Benefit

The policy will pay the sum insured under this benefit if the insured person suffers a specified critical injury, accidental death, or disability during the coverage period. This benefit will be given to the eligible child who is a full-time student in a recognized educational institute at the time of such accident or diagnosis.

Navi Insurance will transfer the benefit amount to the bank account of an eligible child(ren). If the child is a minor, the benefit will be given to the joint account of the legal guardian and minor child. If there is more than one child, the payable amount will be divided equally between them.

Medical Second Opinion

If the insured person is advised to undergo a covered surgical procedure during the policy period after the diagnosis of the critical illness, the policy will cover the expenses incurred on the medical second opinion.

Loss of Income

If an insured person is unable to pursue the job due to any of the specified critical illnesses, the policy will pay the sum insured to compensate for the loss of income.

Navi COCO Group Criti Surgical Protect Plan Eligibility Criteria

An individual between 18 and 65 years can purchase this policy from Navi General Insurance.

What is Not Covered Under the Plan?

You will not get coverage in any of the following situations.

  1. War, invasion, the act of a foreign enemy, civil war, public defense, rebellion, etc.
  2. Chemical and Nuclear Exposure
  3. Breach of Law
  4. Alcoholism, Drug and Substance Abuse
  5. Cosmetic Surgery unless medically necessary
  6. Obesity or Weight Control
  7. Self-inflicted injuries or attempted suicides
  8. Change of Gender treatment
  9. Dangerous acts such as Adventure/Professional Sports/Defence Operation

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