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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
Narayana Health Insurance
Narayana Arya Health Insurance
The Narayana Arya Health Insurance plan is a comprehensive health insu ...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 Arya Health Insurance
A quick read on what this Narayana Health Insurance plan covers and why it might be a fit for you.
The Narayana Arya Health Insurance plan is a comprehensive health insurance plan. It is offered by Narayana Arya Health Insurance and Narayana One Health. It is designed for individuals and families to access quality healthcare services at affordable prices. The plan offers a wide range of benefits, including coverage for hospital expenses, pre-and post-hospitalization, day-care procedures, and much more.
With this plan, you will get flexible coverage ranging from Rs 25 Lakh to Rs 1 Crore. Narayana Healthcare is one of the leading medicare brands in India.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
3 months to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹25 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
00 days
Renewability
Lifelong
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
- Upto 1 crore sum insured
- Zero waiting period
- Pre and post-hospitalisation
Cons
- Daycare treatment not covered
- Domiciliary treatments not covered
- OPD charges 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 Not 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
- Organ donor expenses Not covered
Modern & preventive care
- Road ambulance Not covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment 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
- Comprehensive coverageThis plan offers comprehensive coverage for a wide range of medical expenses, including hospitalization, ambulance charges, day-care procedures, pre, and post-hospitalization, and much more.
- Affordable premiumYou do not have to pay too much to secure yourself against rising medical bills. The plan is available at an affordable premium, making it accessible to you.
- Value-added servicesThe plan offers a number of value-added services, such as discounts on specialist consultations, diagnostics, and medicines.
- Cashless hospitalizationThe plan offers cashless hospitalization at a network of hospitals across India.
- Easy claim processThe claim process is simple and hassle-free.
Exclusions
- Permanent diseases or health conditions not included under the Narayana Arya Health Insurance Policy are:
- Any non-recommended critical illness or claimed earlier than the waiting period
- STDs, LAV-caused diseases, AIDS, etc.
- Postpartum or childbirth complications, etc. (not applicable to the congenital disability benefit of the policy)
- Occupational diseases
- War, civil wars, riots, confiscation or destruction by the authority, and so on
- Military operations, terrorism, etc.
- Nature’s perils such as earthquakes, avalanches, hurricanes, volcanic eruptions, natural calamities, etc.
- Nuclear or radioactive contamination
- Intentional self-injury, an attempt to suicide, or suicide
- Drug abuse, alcoholism, intoxicating substance consumption, etc.
- Adventure or hazardous sports/activities
- Refractive error
- Excluded providers
- Sterility or infertility treatments
- Maternity expenses
- An attempt to suicide/suicide
- Breach of law
- Unproven treatments
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: - 18 years
- Max: 65 years - No age limit
- SI: - INR 25L to 1 Cr
- Waiting Period: - 30 days
Other features & benefits
Bottom Line
Securing your health and well-being is a priority, and Narayana Health Insurance offers a comprehensive and personalized approach to healthcare coverage. With a range of plans designed to suit diverse needs and budgets, you can find the perfect fit for yourself and your family. Don't leave your health to chance. Protect your future and experience the peace of mind that comes with knowing you have access to quality care. Visit the Narayana Health website today to explore plan options, calculate your premium, or speak with a representative to find the Narayana Health Insurance plan that's right for you. Take the first step towards a healthier tomorrow – get a quote now with PolicyX.com.
Narayana Arya Health Insurance: FAQs
The 4 most-asked questions about Narayana Arya Health Insurance, answered.
You can find more information about Narayana Arya Health Insurance on the Narayana Health website or by contacting their customer support team.
The claim process is typically straightforward and involves informing the insurance company about the hospitalization, submitting the required documents, and getting the claim approved. Narayana Health aims to provide a hassle-free claim experience to its members.
You can purchase Narayana Arya Health Insurance by visiting the Narayana Health website or by contacting their customer support team. You can also visit any of the Narayana Health facilities to inquire about the insurance plans.
Individuals between the ages of 18 and 65 years are eligible to apply for this insurance. Children between 3 months and 25 years can also be covered under a family floater plan.
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