Narayana Health Insurance

Narayana Health Insurance Overview

Narayana Health Insurance Ltd. is a new venture by the 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. Dr. Devi Shetty, the chairman of Narayana Health Insurance, 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 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

Features That Set Narayana Health Insurance 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

Why Choose Narayana Health Insurance?

• Versatile and affordable health insurance plans for every need
• 24X7 customer support for easy claim settlement
• Network hospitals all over India
• Offers comprehensive coverage at affordable premiums
• Tax benefits under Section 80D of the Income Tax Act

What Is Covered By Narayana Health Insurance?

Pre and Post-Hospitalization Expenses

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.

Major Organ Surgeries

Most Narayana Health Insurance plans offer coverage for major organ transplants or surgeries.

Hospitalization Expenses

Narayana Health Insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Medicine Delivery

Narayana Health Insurance plans offer free medicine delivery under some of its health plans.

Domiciliary Hospitalization

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.

What Is Not Covered By Narayana Health Insurance?

Self-Inflicted Injuries

Narayana Health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Narayana Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Narayana Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Narayana Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Narayana Health Insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Narayana Health Insurance Plans?

The various waiting periods associated with Narayana Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Narayana Health Insurance plans.

Pre-Existing Disease Waiting Period

Narayana Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with 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 outlive the survival period to enjoy coverage benefits.

Narayana Health Insurance Plans: Buying Process

If you are looking forward to purchasing Narayana Health Insurance online, follow the simple steps below:

1. Step 1

   Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

2. Step 2

   Click on 'Get free quotes' and compare Narayana Health Insurance Plans as per your needs.

3. Step 3

   Select and pay premiums online for the purchased Narayana Health Insurance plan of your choice.

4. Step 4

   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.

Documents Required For Narayana Health Policy Claim Settlement

Submit the following documents when filing for Narayana Health claims:

• Duly completed and signed claim form, in original
• Valid photo-ID proof
• Medical practitioner's referral letter and prescription
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic tests reports/radiology reports and payment receipts
• Indoor case papers
• First Information Report, final police report, if applicable
• Post-mortem report, if conducted
• Any other document as required by the company to assess the claim

How To Claim 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:

1. Step 1

   Visit the website of Narayana Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to view the form.

2. Step 2

   Now select "health claim" and provide the required information, which includes the policy number, date of birth, and other details they ask for.

3. 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.

4. Step 4

   Verify 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.

5. Step 5

   Upload the requested documents and click on the "review" button.

6. 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 which you need to note down for future purposes.

Narayana Health Insurance Renewal Process

Follow these steps for Narayana Health Insurance policy renewal:

1. Step 1

   Visit the official website of Narayana Health Insurance Company.

2. Step 2

   Click on the ‘Renew’ tab.

3. 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.