Health Insurance 115 views June 3, 2021

Navi COCOCure Super Top-up Plan

If you don’t want to upset your finances in case of a medical emergency, Navi COCOCure Super Top-up Plan can be suitable for you. Not everyone can afford to have comprehensive health insurance coverage. To ensure the same, this policy from Navi General Insurance allows policyholders to increase their sum insured according to their needs.

It is an aggregate deductible policy that you can choose at an affordable cost to enjoy a wide range of features and benefits mentioned below. Please check!

  1. Flexible sum insured and deductible options
  2. Available on an individual and family floater basis
  3. In-patient hospitalization
  4. Organ Donor expenses
  5. ReCover and EmPower facility
  6. Daily cash allowance facility
  7. Room rent sub-limit
  8. Discounts on premiums
  9. Multiple premium payment frequencies
  10. A 15-day free look period
  11. Tax benefits on premiums paid under Section 80D of the Income Tax Act, 1961

To know these features and benefits in detail, you can go through this page where we will do the same while also telling the eligibility criteria of Navi COCOCure Super Top-up Plan. Read on!

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Let’s Check the Features and Benefits of Navi COCOCure Super Top-up Plan in Detail

COCOCure Super Top-up Plan from Navi General Insurance could be the perfect plan if you want to increase your existing individual sum insured. We are mentioning them below. Please check!

Flexible Sum Insured and Deductible Options

Policyholders can choose from multiple sum insured options ranging from INR 3-100 lakh. The deductible will depend on the sum insured option. To know more, check the below table.

Deductible (In INR)Sum Insured Options (In INR)
2,00,0003/ 5/ 8/ 10 lakh
3,00,0003/ 5/ 7/ 10/ 12 lakh
4,00,0003/ 5/ 6/ 11 lakh
5,00,0005/7 /10 15/ 20 lakh
10,00,0005/ 10/ 15/ 20/ 50 lakh
20,00,0005/10/ 20/ 30/ 50/ 100 lakh

Flexible Policy Period

Policyholders can choose from multiple policy term options according to their needs – 1, 2 or 3 years. You can get discounts of 8% and 15% on plans with 2 and 3-year policy terms.

Also, if you are an existing customer of Navi General Insurance Limited, you will get a 5% discount on the purchase of the new policy.

In-patient Hospitalization Coverage

The policy will cover the following medical expenses up to the sum insured if a policyholder is admitted as an in-patient in a hospital (for more than 24 hours).

  1. Room Rent, Nursing and Intensive Care Unit (ICU) charges
  2. Operation Theatre charges
  3. Fees of Medical Practitioner/Surgeon /Anaesthetist /Specialists
  4. Physiotherapy, Investigation & Diagnostic procedures
  5. Medicines, Drugs, and Consumables
  6. Blood, Oxygen, Surgical appliances
  7. The cost of prosthetic and other devices or equipment recommended by the attending Medical Practitioner (if implanted internally during a Surgical Procedure)

Pre and Post-Hospitalization Expenses

With the Super Top-up Plan from Navi Insurance, policyholders will also get coverage against medical expenses incurred immediately before and after a specified number of days of hospitalization.

Day Care Treatment

Due to medical advancements, treatment of some medical conditions does not require a minimum 24-hour hospitalization and is known as day care treatment. This policy will provide coverage against such treatments taken in hospitals or daycare centers.

Organ Donor Expenses

If an insured person needs to undergo a major organ transplant, the policy will cover the expenses incurred towards surgeries. The organ denoted should be for the use of the insured person and he/she should be medically advised to undergo an organ transplant.

You will also get coverage against the expenses incurred on transportation (including preservation) of the organ up to INR 20,000 per such event.

ReCover Facility

If you exhaust your sum insured during the policy year, the ReCover facility under the COCOCure Super Top-up Plan will renew the amount. It will be equal to the deductible amount or sum insured (whichever is less) in that policy year. This facility will only be available once during the policy year.

EmPower Facility

If a policyholder loses his or her job (due to a chronic illness or injury or disability suffered during the policy year), the policy will cover medically necessary treatment for in-patient hospitalization during the unemployment period.

The loss of a job should occur only after six months of the policy inception date and during the policy period. Also, policyholders can get this benefit only for a maximum period of three consecutive months from the date of loss of job.

Daily Cash Allowance

You will also get a daily cash allowance during the policy term if an insured person has been hospitalized for continuous 24 hours. In case of ICU hospitalization, the benefit amount will be twice the daily amount for each day. The maximum allowance will be provided for five days for each hospitalization up to 30 days in a policy year.

Navi COCOCure Super Top-up Plan Eligibility Criteria

Please check the below-mentioned conditions related to the Navi COCOCure Super Top-up Plan.

  1. The minimum age at entry stands at 91 days and above. However, there is no maximum age limit.
  2. For individuals more than 70 years, the sum insured will be restricted to INR 10 lakh with INR 2 lakh deductible.
  3. For dependent children, the age at entry ranges from 91 days to 5 years if either parent is covered under the same policy. However, there is no maximum cover ceasing age on renewal.

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