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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 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
🛡️ IRDAI Approved
⭐ 5.0/5 · 60 reviews
🏥 21+ hospitals
📊 1.61 solvency ratio
✅ 100% claim settlement
About Narayana Aditi Health Insurance
A quick read on what this Narayana Health Insurance plan covers and why it might be a fit for you.
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. The plan offers a sum insured of up to Rs 1 Crore for surgeries and Rs 5 Lakh for medical management. The most important feature of this plan is that you receive coverage from day 1.
Buy this plan to cover yourself and your family of 6 members or less.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Wide range for coverageThis plan offers Rs 1 Crore of coverage for surgery or surgical procedures. For non-surgical procedures, the coverage is Rs 5 Lakh.
- Room rentWith this plan, you can modify your hospital room to a semi-private room.
- Annual health checkupWith the base plan and above, you get the benefit of an annual health check-up.
- No waiting periodThis plan provides coverage from day 1, meaning no waiting period is required.
- Coverage at non-networkIn emergencies, or if treatment is unavailable at Narayana Hospital, you can receive medical care at any non-network hospital.
Exclusions
- Permanent diseases or health conditions not included under the Aditi Health Insurance plan are:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Pre-existing diseases
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Investigation and evaluation
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
Other features & benefits
Conclusion
Narayana Aditi Health Insurance is your go-to plan if you want instant coverage. This plan does not require a waiting period for benefits, a rare feature in health insurance in India. It offers several other benefits to policyholders. However, this plan does not cover pre-existing diseases and OPD coverage. Consider these points before purchasing.
You can also compare health insurance plans on PolicyX.com to understand the benefits and features offered by different plans in detail. Connect with our advisors today for expert insurance advice.
Narayana Aditi Health Insurance: FAQs
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.
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