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Narayana Arya Health Insurance
The Narayana Arya Health Insurance plan is a comprehensive health insurance plan. It is offered by Narayana Arya Health Insurance and Naray…
- Upto 1 crore sum insured
- Zero waiting period
- Pre and post-hospitalisation
Narayana Health Insurance
Narayana Health Insurance
Narayana Health Insurance Ltd. is a stand-alone health insurer promoted by Narayana Health and is a wholly-owned ...Read More
21+
Cashless hospitals
1%
Claim settlement
1 Crore
Max sum insured
2
Active plans
🛡️ IRDAI Approved
⭐ 5.0/5 · 60 reviews
🏥 21+ hospitals
📊 1.61x solvency ratio
✅ 1% claim settlement
What you get with Narayana Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
21+ cashless hospitals
Direct billing at network hospitals across 2400 presence — no out-of-pocket payment at admission.
1% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.61x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
2 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Narayana Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Narayana Health Insurance Overview
Narayana Health Insurance Ltd. is a new venture by Bengaluru-based hospital chain Narayana Health. It is a wholly-owned subsidiary of Narayana Hrudayalaya and was approved to operate as a stand-alone health insurer. The chairman of Narayana Health Insurance, Dr. Devi Shetty, aims to simplify universal healthcare with its innovative health insurance products. The company is expected to commence business with an initial focus on the Karnataka market. Dr. Devi Shetty, the chairman of Narayana Health Insurance, is set to contribute significantly to the vision of 'Insurance for all by 2047' with their products. Narayana Health Insurance has launched its initial health insurance products offering comprehensive coverage to the masses.
Key Highlights:
- 21+ Network Hospitals
- Major Organ Transplant Covered
- 25,111.86 Cr Market Capitalization
- Up To 1 Cr Sum Insured
- 24x7 Customer Support
What are some of the Features that set them apart?
- Healthcare for the masses in India
- A comprehensive wellness system to promote a healthy lifestyle
- High-sum insured health plans
- Affordable premiums at only INR 10,000
- Unlimited teleconsultations
Choose Narayana Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
All 2 Narayana Health Insurance plans
Every plan currently being sold by Narayana Health Insurance, shown side-by-side so you can shortlist quickly.
Narayana Aditi Health Insurance
The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage without any waiting period…
- 1 Cr sum insured
- Room category modification
- Living organ donor
Quick comparison
Side-by-side across the 2 most-bought Narayana Health Insurance plans on PolicyX.
| Feature | Narayana Arya Health Insurance | Narayana Aditi Health Insurance |
|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 25 L, 50 L, 75 L, 1 Cr | 5 L, 1 Cr |
| Entry age | 3 months to 65 years | 18 years |
| Top benefits | Upto 1 crore sum insured · Zero waiting period | 1 Cr sum insured · Room category modification |
What's covered — and what's not
The standard inclusions and exclusions across Narayana Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Narayana Health Insurance understands the impact of rising medical expenses, which is why their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Narayana Health Insurance plans offer coverage for major organ transplants or surgeries.
- Narayana Health Insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Narayana Health Insurance plans offer free medicine delivery under some of its health plans.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Narayana Health Insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Narayana Health policies will not cover injuries or hospitalization caused by self-harm.
- Narayana Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Narayana Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- Narayana Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Narayana Health Insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original)
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription (original)
- Original bills, receipts, and discharge summary from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports, radiology reports, and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Narayana Health Insurance Plans?
Initial Waiting Period
Begins from the date of policy purchase and typically lasts for up to 30 days for most Narayana Health Insurance plans.
Pre-existing Disease Waiting Period
Narayana Health Insurance plans require a specific waiting period if you are diagnosed with pre-existing diseases (PEDs) such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Narayana Health Insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must survive for a specified duration to be eligible for coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Narayana Health insurance online, follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare Narayana Health Insurance Plans as per your needs.
Select and pay premiums online for the purchased Narayana Health Insurance plan of your choice.
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Narayana Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Narayana Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Narayana Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to view the form.
- Step 2
Now select "health claim" and enter the required information, such as policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on 'Authorize' and you will receive an OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number for future reference.
Follow these steps for Narayana Health Insurance policy renewal:
- Step 1
Visit the official website of Narayana Health Insurance Company.
- Step 2
Click on the 'Renew' tab.
- Step 3
Mention your 'Policy Number' and 'Date of Birth'.
Connect with our insurance experts for Narayana Health Insurance policy renewal at 1800 - 4200 - 269.
Frequently asked questions
The 5 most-asked questions about Narayana Health Insurance, answered.
Narayana Health Insurance launched its first health insurance plan in July 2024 and its second in January 2025.
Currently, Narayana Health Insurance offers health insurance plans only in the Mysuru, Chamraj Nagar, Coorg, Mandya, and Hassan districts of Karnataka. However, the Company plans to expand its reach over time.
Narayana Health Insurance has launched ‘Aditi’, its first health insurance product, followed by ‘Arya’.
Aditi Health Plan offers a sum insured of INR 1 crore. It is a family floater health plan offering coverage at a premium of INR 10,000 annually. This product is being seen as the private sector equivalent to the government’s Ayushman Bharat health plan.
Arya Health Plan launched by Narayana Health Insurance offers sum insured options between INR 25 lakhs to 1 Crore. In addition, the plan offers coverage for OPD consultations, consumables, donor expenses, and more. Furthermore, the Arya health plan by Narayana Health Insurance offers immediate coverage and no waiting period.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 60 verified PolicyX customers who bought a Narayana Health Insurance plan.
Health Insurance Premium Calculator
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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