Terms Of Use

This explains our Terms Of Use and how they may pertain to you as a user of our website

Public Disclosures


Navi General Insurance Limited

Registered Office: AMR Tech Park,

Ground Floor, No. 23 & 24,

Hosur Road, Bommanahalli,

Bengaluru-560 068’, Karnataka

Toll-free number: 1800 123 0004 | Fax: 022-4001 8251 |
Website: www.naviinsurance.com | Email: insurance.help@navi.com

CIN: U66000KA2016PLC148551 | IRDAI Registration Number: 155 Non-Life Insurance

These terms of use (Terms of Use/Agreement) are an agreement between the NAVI General Insurance Company Limited (Navi GI/we/us/our) and you, the visitor (User/Visitor/ you/your). This Agreement sets forth the general Terms of Use of your use of the [Navi Health] App and any of its products or services (App/Services).

The App is designed, developed, hosted by and is a property of Navi GI, IRDA Registration No. [155] (Category: Non-Life Insurance), CIN: U66000KA2016PLC148551 company incorporated and registered under the Companies Act, 2013 having its registered office at AMR Tech Park, Ground Floor, No. 23 & 24, Hosur Road, Bommanahalli, Bengaluru-560 068’, Karnataka


By accessing this App and using its contents/services, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by them. The User to the App represents that the User is legally competent to enter into a binding legal contract and agrees to be bound by these Terms of Use. These Terms of Use may be revised at any time by updating this posting. You are bound by any such revisions and therefore we recommend that you to review these Terms of Use every time you use this App. Do not make transactions/download information on or through this App, or use our services through this App in any manner, if you do not agree with these Terms of Use.

The User hereby authorizes Navi GI to carry out his instructions, effecting such transactions as may be permitted by Navi GI from time to time, in accordance with these Terms of Use and such other terms as may be specified by Navi GI.

All insurance transactions that are carried out by and on behalf of the User on this App shall be subject to applicable laws, government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority (IRDAI), the Reserve Bank of India, and other regulatory bodies defining rules/regulations governing the offer of any service on the App.

Navi GI reserves the right to store information on a User’s computer in the form of cookies or similar file for purposes of modifying the App to reflect the User’s preference. This App is deemed to be in use when it is loaded in a temporary or permanent memory of your computer.

Navi GI has provided the relevant information in relation to the policies/products on the App. In the event the User requires any further information or assistance, he/she may contact us at:

[Toll-free number: 1800 123 0004 | Email: insurance.help@navi.com]

Any decisions to purchase any policy/product of Navi GI will be based solely on the User’s independent evaluation of the policies/products of Navi GI, and his/her need for the same. The User shall be responsible to assess and determine whether the policies/products offered by Navi GI satisfy the requirements of the User. Additionally, the User will be responsible for assessing the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the App and the User should consult his/its own legal counsel, business advisor and tax advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.


If you create an account on the App, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false information of any kind may result in the termination of your account. We may suspend or delete your account (or any part thereof) if we determine that you have violated any provision of these Terms of Use or that your conduct or content would tend to damage our reputation and goodwill or lead to a violation of the provisions of applicable law.

You shall notify us immediately of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.


For any transaction on the App which is permitted by Navi GI from time to time, Navi GI’s own computer (or other) records of such transactions, shall be accepted as binding for all purposes.

The record of the transaction as produced from the systems of Navi GI shall be conclusive proof of the genuineness, authenticity and accuracy of such transaction.


The premium estimate given for insurance products on this app is given on the assumption that all previous policies have been renewed continuously without any gap in insurance and no claim has been made in previous policies. The estimate given for other products is approximate and is not final and binding.

The final premium quotation for all products may be viewed by clicking on the “Continue to Buy” button. In the event you do not agree with the final premium quoted by us, you may, at your sole and absolute discretion decide not to proceed with the purchase the policy/product.


The content of this App is available for informational purposes only. All advertisements contain only an indication of cover offered by the products. For more information, please read the policy wordings before concluding the sale.


Although this App may be linked to other Apps, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked App, unless specifically stated herein. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their Apps. We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties. You should carefully review the legal statements and other conditions of use of any App which you access through a link from this App. Your linking to any other off-site Apps is at your own risk.


Navi GI owns and holds all the rights for the information, contents, audio, video, logos and trademarks contained in this App. Any modification, reproduction, creation of derivate works, distribution, transmission, copying, selling, displaying, publishing or using any of the information, contents, audio, video, logos and trademarks contained in this App for any purpose whatsoever, whether electronically or otherwise, without the prior written permission of Navi GI is strictly prohibited. Any violation of this provision would be strictly dealt with. You may download material displayed on this App for your personal use only, provided that you also retain the clauses pertaining to all copyright and other proprietary notices contained in the materials.

By agreeing to be bound by these Terms of Use, you acknowledge and affirm that you not:

  1. Engage in fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.
  2. Use the App to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity.

Although Navi GI may, from time to time, monitor or review any facilities, if established or otherwise offered at the App for discussions, chats, postings, transmissions, bulletin boards, and the like on the App, you are prohibited from posting or transmitting any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law. Navi GI is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the App. Navi GI will fully cooperate with any law enforcement authorities or court order requesting or directing Navi GI to disclose the identity of anyone posting any such information or materials.


We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time, subject to IRDAI regulations as amended time to time & Company policy.


In the process of using this App, the Privacy Policy as set forth in the App shall be applicable.


Under no circumstances, including but not limited to negligence, shall Navi GI, its employees and directors, its suppliers and its third party advisors be liable to you for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this App, with the delay or inability to use this App or any links or items on the App, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through this App, or otherwise arising out of the use of this App, whether based on contract, tort, strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this App or obtained or messages received or transactions entered into through or from the App or resulting from unauthorized access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.

You agree that we shall not be liable for any damages arising from interruption, suspension or termination of the App, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the App.

Policy/ies are marketed and/or distributed solely by Navi GI and are not in any way associated to or being sold, marketed or offered for sale by the Payment Gateway Service provider and the Payment Gateway Service provider shall not be liable for the same.

All transactions that are carried out by and on behalf of the User shall be subject to Government notifications, the rules, regulations and guidelines issued by IRDAI, the Securities and Exchange Board of India, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service on the App.

Navi GI does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and Delivery Mechanism.

Navi GI shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of Navi GI to perform any of its obligations under these Terms of Use or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.


You authorize Navi GI to call, send SMS and email on the contact number and email ID (made available by you on our App) and offer you information and services for the product you have opted for. You authorize us to call, SMS or email you for the mentioned purpose, irrespective of whether you register with the NDNC registry.


Notices under these Terms of Use may be given by Navi GI to the User in writing by delivering them to the last address given by the User. User may give notice to Navi GI by delivering them to the address mentioned on the App. In the case of hand delivery, cable, facsimile notices or electronic communication notices or instructions will be deemed served 5days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, maybe in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the App.

Navi GI shall be deemed to have fulfilled any legal obligation to deliver to the User if any such document is sent using electronic delivery


No person shall take out or renew any policy of insurance in respect of any property in India or any ship or other vessel or aircraft registered in India with an insurer whose principal place of business is outside India without permission of the IRDAI.

Unless otherwise expressly stated, Navi GI makes no representation that materials on this App are appropriate or available for use in any location. Those who choose to access this App are responsible for compliance with local laws. The services/products which are part of the App do not constitute an offer to sell or a solicitation of an offer to buy any policies/products to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

Except as specifically set forth herein the information contained on this App is not an offer to sell any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

All disputes shall be subject to the exclusive jurisdiction of courts at Mumbai.


Navi GI reserves the right to add, amend, revise suspend or cancel in whole or in part any of the Services which are, or may become, part of the App, without any prior notice to the Visitors or Users. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Users.

Navi GI shall make all efforts to try and ensure that all information that is provided on the App with respect to policies/products are accurate in all respects and are kept up to date. However, Navi GI does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same and the User is required to check the accuracy of the same with the office of Navi GI.

Navi GI’s performance to this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of Navi GI’s right to comply with governmental, court and law enforcement directions relating to the use of this App or information provided to/gathered by Navi GI vis-à-vis such use.

Failure on the part of Navi GI to enforce any of the provisions hereof will not be construed to be a waiver of the rights vested in Navi GI to thereafter enforce such provisions. If any provision of these Terms of Use is held to be invalid, illegal or unenforceable, it will be enforced to the maximum extent possible, and the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired thereby.


In accordance with Information Technology Act 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below

Navi General Insurance Limited

GRO Name - Aruna Pogula

GRO Contact number - +91 99458 5765

Registered Office: AMR Tech Park, Ground Floor, No. 23 & 24, Hosur Road, Bommanahalli, Bengaluru-560 068’, Karnataka
[Contact: 022-40018229 | Email: gro@navi.com]

If after approaching the Grievance Officer, your issue remains unresolved within 30 days of lodging a complaint with us and you wish to pursue other avenues for redressal of grievances, you may approach the IRDAI. The relevant contact details are provided below:

General Manager
Consumer Affairs Department- Grievance Redressal Cell, Insurance Regulatory and Development Authority of India Sy.No.115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032.

Toll-Free Number: 155255 or 1800 4254 732 Email ID: complaints@irdai.gov.in

Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000KA2016PLC148551