Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Feb 17, 2025 3 min read
Narayana Aditi Health Insurance
The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage without any waiting period. This plan will pay the bill in case of hospitalisation, 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 do not need to wait for the benefits. Yes, you will get the coverage from day 1.
Buy this plan to cover yourself and your family of 6 members or less.
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Narayana Aditi Health Insurance Specifications
To understand Narayana Aditi Health Insurance Insurance in detail, take a look at the below table:
Entry Age
18 years
Policy Type
Individual and Family Health Insurance
Sum Insured
5 L | 1 Cr
Initial Waiting Period*
Nil Days
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.
Read more specifications in the brochure.
Choose Your Narayana Aditi Health Insurance
With wide coverage options available, Narayana Aditi Health Insurance Insurance Plan
allows you to
choose your ideal coverage as per your family’s health requirements. Take a look at the
coverage under every SI option available and choose your ideal coverage:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage
Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative
Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency
Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness
Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Available
Sub-limits
Not Available
What
is Room Rent?
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
What
is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
What
is Automatic Restoration?
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
What
is Daily Hospital Cash?
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
What
is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
What
is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
What
is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
What
is Compassionate Travel?
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
What
is E-Consultation?
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
What
is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
What
is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
What
is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Why Should You Buy Narayana Aditi Health Insurance Plans?
There are multiple benefits of buying the Narayana Aditi Health Insurance plan. Here are some of the benefits give below-
Wide range for coverage
This plan offers Rs 1 Crore of coverage for surgery or surgical procedures. Also, for non-surgical procedures, the coverage is Rs 5 Lakh.
Room rent
With this plan, you will get the option to modify your hospital room to a semi-private room.
Annual health checkup
With the base plan and above, you will get the benefit of of annual health check-up.
No waiting period
This plan goves you coverage from day 1. Meaning you do not have to serve any waiting period with this plan.
Coverage at non-network
In any case of emergency, or if treatment is not available at the Narayana Hospital, then you can take medical care at any non-network hospital.
Aditi Health Insurance Plan Exclusions
Permanent Exclusions
Permanent diseases or health conditions that are not included under the Aditi Health Insurance plan are:
Hospitalization out of 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
Conclusion
Narayana Aditi Health Insurance is your go-to plan if you want instant coverage. This plan does not let you wait for a few days to get benefits, a revolutionary feature which is very rare to find in health insurance in India. It offers several other benefits to the policyholders which we mentioned already. However, this plan does not cover pre-existing diseases and OPD coverage. So, if you are planning to buy this plan, consider these points also.
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, they believe in No Spam, No Gimmicks, Only Expert Insurance Advice.
Explore other Narayana Health Insurance
To cater to the different medical needs of an individual & their family,
Narayana Health Insurance offers
several Health Plans ranging from senior citizen plans to specialized plans for
autistic
children, to health insurance for cardiac patients, and many more.Take a look below
to Narayana Health Insurance plans
explore more:
The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage without any waiting period. This plan...
Unique Features
No waiting period
Annual health checkups
Coverage available at non-network
Narayana Aditi Health Insurance (Pros)
1 Cr sum insured
Room category modification
Living organ donor
Narayana Aditi Health Insurance (Cons)
Domiciliary hospitalisation not covered
OPD treatment
Maternity not covered
Narayana Aditi Health Insurance (Other
Benefits)
Annual health checkup
Road ambulance charges
Coverage from day 1
Narayana Aditi Health Insurance (Eligibility
Criteria)
Entry age - 18 years
Max entry age - No age limit
SI - INR 5L to 1 Cr
Waiting Period - No waiting period
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
1. Who is eligible for the Narayana Aditi Health Insurance plan?
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.
2. What is the policy period for the Narayana Aditi Health Insurance plan?
It’s one year and renewable
3. How can I purchase the Narayana Aditi Health Insurance plan?
You can purchase the Narayana Aditi Health Insurance plan online, through an insurance agent, or by visiting a Narayana Health Insurance branch.
4. Is there a waiting period for Narayana Aditi Health Insurance?
No, there is no waiting period for this plan.
5. Does Narayana Aditi Health Insurance cover pre-existing diseases?
No, the Aditi Health Insurance plan does not cover pre-existing diseases.
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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