DHFL General Insurance

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Formerly called DHFL General Insurance Limited, Navi Insurance aims to make financial services simple and affordable for a billion users. The company makes use of cutting-edge technology to design and offer insurance products and services to meet the insurance needs of today’s customer. The easy-to-understand policies along with a simplified online portal, buying insurance and filing a claim has become very easy and convenient. The main advantages of having an insurance policy from Navi Insurance are:

  • There are no middlemen involved, the procedures are direct
  • Instant quotes and policy issuance make it super quick and efficient
  • You can avail cashless treatment in over 5100 hospitals

Let us take a look at the kind of insurance plans offered by the company:

  1. Navi Car Insurance
  2. Navi Bike Insurance
  3. Navi Health Insurance
  4. Navi Travel Insurance
  5. Navi Home Insurance

Navi Car Insurance Plans

Despite being a careful and cautious rider/driver, there are chances that your vehicle suffers damage. To be prepared to handle such unforeseen incidents confidently,  it is important to have the right kind of insurance policy. 

  • COCODrive Private Car Liability Only Policy
    When you drive your car, there is a possibility that you accidentally injure or damage a third-person or property. In third-party insurance, the loss/damage that your car has caused to the third party will be covered, however, your own-damage will not be covered. This kind of insurance is mandatory for every motorised vehicle in India, as per the Indian Motor Act, 1988, and the premium is fixed by the Insurance Regulatory and Development Authority of India (IRDAI).

              Additional Covers

  • Personal Accident Cover to Owner-Driver for INR 15 lakhs
  • Co-Passengers can also be covered for INR 2 lakhs
  • Additional Legal Liabilities to protect your workers/ members
  • COCODrive Private Car Package Policy
    Comprehensive car insurance is the combination of own damage and third-party liability. While the Insurance Regulatory and Development Authority of India (IRDAI) determines the third party premium, the own damage premium is calculated as per the insured declared value (IDV) of the vehicle. Thus, this policy offers coverage against third-party liabilities as well as own damage.
  • COCODrive Own-Damage Car Insurance
    Own-damage is a standalone car insurance policy that you can be purchased if you already have third-party liability car insurance. With an OD cover, you would be able to claim the cost of repair or other damages for your own car.
  • COCODrive Bundled Private Car Policy
    With a bundled car insurance policy you can opt for a long term third-party liability cover of 3 years and an own-damage cover for 1, or maybe more, years. you also have the option of including add-ons to your policy.
  • Add-ons:
    Add-ons are the optional benefits that can be added to your coverage by paying a little extra premium. The company offers 19 add-on covers to the policyholders, let us take a look at the most popular add-ons:



Zero Dep CoverWith this, depreciation is considered to be nil when you make a claim.
Engine ProtectorCovers the engine damage due to ingress of water or oil leakage
Enhanced Owner Personal AccidentEnhance your cover in multiples of INR 1 lakh that can go up to INR 20 lakhs
New Car for Old CarIn case of theft or total loss of your car, you will get the amount of your car's invoice value
Consumable ExpensesConsumables such as engine oil, gearbox oil, lubricants, nut & bolt, screws etc are covered

Navi Bike Insurance

Let us take a look at the various elements of Navi Bike Insurance

  • Liability Only Two-Wheeler Insurance 5 years
    When riding your bike, it may so happen that you may hurt or cause some damage to a third-person or property. In such a scenario, your third-party insurance will bear the expense of your third-party liability. However, the damage that your car suffers will not be covered. Third-party insurance has been mandated by the Government of India and every motorised vehicle has to have this cover. The IRDA,  Insurance Regulatory and Development Authority of India (IRDAI), fixes the premium and thus it is the same across different countries.
    There is the opt for the following additional covers
    1. Personal Accident Cover to Owner-Driver for INR 15 lakhs
    2. Occupants can also be covered for INR 1 lakh
    3. Additional Legal Liabilities for the protection your workers/ members
  • COCORIDE Two-Wheeler Package Policy
    Compared to the third-party insurance, comprehensive bike insurance offers much wider coverage. It covers the damage that your vehicle suffers in an accident along with the  third-party liabilities.
  • COCORIDE Own-Damage Bike Insurance
    When you have third-party cover for your bike, you can pay a little extra to purchase a standalone own-damage cover, as with this cover you would be covered against the damages and losses caused to your bike in an accident or a calamity.
  • COCORIDE Long Term Two-Wheeler Package Policy
    With this kind of insurance policy, you can cover your bike for a longer period without the worry of annual renewals. With a single policy certificate, you can opt for a 2 or 3-year term. There would be no hike in your premium due to the regulatory changes. With a long term package policy, you get a wider range of add-ons, you can choose from a list of 11 add-ons.
  • COCORIDE Two-Wheeler Insurance - Bundled
    You can protect yourself and the occupants with a bundled policy. You can cover your own damages as well as third-party liabilities. Third-party liabilities, as well as damages and losses caused to your bike in an accident or a natural or man-made calamity, will be covered.
  • COCORIDE Two-Wheeler Own-Damage Policy Add-On Covers
    These are the 5 most popular add-ons that offer extra protection to your bike:
    1. Zero Dep Cover
    2. Consumable Expenses
    3. NCB Protector
    4. New Vehicle for Old vehicle
    5. Roadside Assistance

Navi Health Insurance Plans

Your health insurance plan can greatly help you deal with all kinds of medical emergencies. They give you the confidence to deal with such incidents confidently. The health insurance policies by Navi Insurance are affordable and offer extensive coverage, let us take a look:

Name of the Plan

Highlights of the Plan

COCO Cure Plan
  • Medical expenses for Chronic Diseases, Congenital Anomaly, Infertility, etc
  • Offers both Indemnity and Benefit
COCO Criticare

  • Offers coverage for 41 critical illnesses
  • Option to choose from 10 plans with different benefits
  • Policy period- 1/ 2 or 3 years
  • Available on an Individual/ Family basis
  • The family includes- self, spouse, dependent children, parents, dependent siblings, parents-in-law
COCOCure Super Top-Up 

  • An aggregate deductible policy with which you can enhance your existing health insurance
  • Wide range of sum insured and deductible
  • Policy period- 1/ 2 or 3 years
  • Available on an Individual/ Family basis
  • The premium can be made on a Monthly/ Quarterly/Half-yearly and Yearly basis
  • Income tax benefits under Section 80D of the Income Tax Act
COCO Hospicash Plan

  • Offers a specific sum of amount for each day of hospitalisation
  • The choice to select from 3 plans-
    • Basic
    • Essential
    • My COCOHospiCash
  • Benefit amount ranging from INR 100 to INR 1,000 and from INR 1,000 to INR 5,000
  • Entry Age From 91 days to 65 years
  • Available as individual and family floater basis
  • No pre-policy check-up required
Aarogya Sanjeevani Policy

  • Standard health insurance policy issued as per IRDA
  • Affordable coverage
  • Sum insured up to INR 5 lakhs
  • No medical screenings
COCO Seasonal Byte Plan

  • Disease-specific medical expenses for Dengue/ Malaria/Swine Flu
  • Offers both Indemnity and Benefit
  • An affordable plan that exclusively covers seasonal illnesses
COCO Protect Plan

  • An affordable personal Accident Cover
  • Lump-sum benefit against accident death/ disability
  • 6 varied and customised plans
Corona Kavach Plan

  • COVID specific health insurance policy
  • Offers short-term period coverage
  • Covers all COVID-19 medical expenses
Corona Rakshak Plan 

  • COVID specific health insurance policy
  • A fixed-benefit plan
  • If hospitalised for 72 hours or more, you receive the sum insured in lump-sum
Group Health Products

  • Group Health Insurance Policy
  • Group Personal Accidental Insurance Policy
  • Group Critical Illness Insurance Policy
  • Group Seasonal Byte
  • Group HospiCash Policy

Navi Travel Insurance

If you are a regular traveller, investing in travel insurance is a prudent and practical step. It not only covers you financially during your international and domestic travels, but it also saves you from the constant worry of, “what if something goes wrong”. 

With the upcoming Travel Insurance plans by Navi Insurance, you would be safe, even when you are thousands of miles away from home. 

The company plans to launch travel insurance products such as:

  • International Travel Insurance
  • Domestic Travel Insurance

Navi Insurance Premium Payment Process 

For paying the premium, you can choose any of the following methods:

  • Online Payment Process
    Visit the official website, select the plan and make the payment through any of the electronic mediums available such as - Credit cards/ Debit cards/ Net banking/ UPI Payments.
  • Offline Payment Process
    You can pay the premium by visiting the branch office. Keep in mind that the premiums will be accepted through cheque/ Demand Draft or an electronic medium.

Navi Insurance Renewal Procedure

Renewing your insurance timely is a great way to ensure that you get break-free cover against all kinds of unforeseen accidents and medical emergencies.

Online Renewal

Online renewal of your insurance plans is very easy and convenient, you need to visit the company website or click- https://www.naviinsurance.com/users/login/?next=/renewal/. You would then have to enter your phone number and then your policy details. Once you pay the renewal amount, your policy will be renewed in a few moments. 

Navi Insurance Renewal of Expired Policy

  • Motor Insurance Plans

You will have to get in touch with the company customer care and raise a request so that a surveyor can come to assess your vehicle. Once the inspection is completed, you would be further guided by the company to renew the policy. You may be asked to pay the premium through an electronic medium to renew your policy. 

  • Health Insurance Plans

On the expiry of your health insurance policy, it enters the 15/30-day grace period, during which you have to renew the policy. Depending on the delay, the kind of plan you have and your age, a screening test may or may not be required.

Navi Insurance Claim Procedure

Making a claim with Navi Insurance is a smooth and customer-friendly procedure. There are many simple ways to file a claim:

Thereafter, follow the steps given below:

  • Motor Insurance
    Once you notify the company about the accident, you need to select any of the following claim procedures:
    1. Cashless Claim
      When your vehicle is repaired at a network garage, it is assessed by a company surveyor. Once the claim is approved, the payment for the approved claim amount is made by the company directly to the repair centre.
    2. Reimbursement
      When your vehicle gets repaired at a non-network garage, you have to clear the repair bills on your own and then submit all the bills and receipts for reimbursement.
  • Health Insurance 
    1. Cashless Claim
      When you have to be hospitalised at a network hospital for the treatment of an illness or an injury, you need to present your health card at the helpdesk, and fill in the cashless request form. Thus, your insurance company will directly settle the medical bills with the hospital.
    2. Reimbursement
      After notifying the company about the hospitalisation, you would have to pay all the bills and treatment costs from your pocket. When you file for reimbursement, you would have to submit all the hospital bills and all relevant documents to your insurance company. After the verification of your paperwork , the reimbursement will then be processed.

Navi Insurance Company - Company Profile

Co-founder of Flipkart, Sachin Bansal along with Ankit Agarwal, founded Navi in the year 2018.

Formerly called DHFL General Insurance Limited, Navi Insurance is a wholly-owned subsidiary of Wadhawan Global Capital (WGC). However, it is more commonly known as COCO insurance, due to the acronym on its insurance page-Coco.

Navi Insurance Company Customer Care Details:

Official Websitewww.dhflinsurance.com 
Email ID



Toll-Free Number1800 123 0004 (8 am to 8 pm)
Phone Number022 - 4001 8100/8200
Company Address 402, 403 & 404, A&B Wing, 4th Floor, Fulcrum, Sahar Road, Next to Hyatt Regency, Andheri (E), Mumbai - 400 099

DHFL General Insurance FAQs

  • 1. With the COCO Protect plan can I get treatment at a non-network hospital?

    Yes, you can, however, it should be kept in mind that you would not be able to make a cashless claim there.  You would have to file a claim for reimbursement.

  • 2. In how much time is a claim settled by Navi Insurance Company?

    A claim, including a rejection, is settled within 30-days of completion of all the paperwork from your side.

  • 3. Where can I find the list of Navi Insurance Company network hospitals?

    The list of hospitals is available online, on the official company website. You can simply click: https://www.naviinsurance.com/hospitals/ and search for a network hospital in your vicinity.

  • 4. What documents are required when filing a claim for reimbursement?

    The following documents would be required:
           a.  Valid Photo Identification document
           b.  Duly filled and signed Claim Form
           c.  Copy of policy document
           d,  Doctor’s referral letter that advises hospitalisation
           e.  Doctor’s prescription of all tests, medicines and consultations
           f.  All treatment-related bills and receipts
           g.  Pathological and Diagnostic Test Reports
           h.  Ambulance Receipt, if used
           i.   A Medico-Legal Certificate or copy of FIR in case of an accidental injury