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Narayana Health Insurance Narayana Health Insurance ★ 5.0

Narayana Aditi Health Insurance

The Aditi Health Insurance by Narayana Health Insurance is a comprehen ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
2400+
Pan India presence
100%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 5.0/5 · 60 reviews
🏥 21+ hospitals
📊 1.61 solvency ratio
✅ 100% claim settlement

The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage without any waiting period. This plan covers hospitalization, surgery, and other medical treatments.

Why Do We Recommend This?
  • 1 Cr sum insured for surgeries
  • 5 Lakh sum insured for non-surgery
  • Coverage available for non-network hospitals

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹1 L
Waiting period
Nil
Renewability
Every year
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 1 Cr sum insured
  • Room category modification
  • Living organ donor

Cons

  • Domiciliary hospitalization not covered
  • OPD treatment
  • Maternity not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: - 18 years
  • Max entry age: - No age limit
  • SI: - INR 5L to 1 Cr
  • Waiting Period: - No waiting period

Frequently Asked Questions

The 5 most-asked questions about Narayana Aditi Health Insurance, answered.

Individuals between a certain age range (e.g., 18-65 years) are eligible. Family floater options might also be available. Check with Narayana Health for specifics.
It’s one year and renewable
You can purchase the Narayana Aditi Health Insurance plan online, through an insurance agent, or by visiting a Narayana Health Insurance branch.
No, there is no waiting period for this plan.
No, the Aditi Health Insurance plan does not cover pre-existing diseases.

Health Insurance Articles

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 17 Feb 2025

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