Narayana Arya Health Plan - Benefits, Premium & Coverage | PolicyX
Narayana Health Insurance Narayana Health Insurance ★ 5.0

Narayana Arya Policy

The Narayana Arya Health Plan is a comprehensive health insurance opti ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
21+
Pan India presence
100%
Claim settlement ratio
🛡️ IRDAI Approved
5.0/5 · 71 reviews
🏥 2,400+ hospitals
📊 1.61 solvency ratio
100% claim settlement
Written by Anshika Ojha
Reviewed by Raj Kumar
Published: 21 May 2025
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

The Narayana Arya Health Insurance plan is a comprehensive health insurance plan offered by Narayana Arya Health Insurance and Narayana One Health. It is designed for individuals and families to get quality healthcare services at affordable prices. The plan offers a wide range of benefits, including coverage for hospital expenses, pre- and post-hospitalisation, 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.

Key Inclusions

  • Comprehensive Coverage: This plan offers comprehensive coverage for a wide range of medical expenses, including hospitalisation, ambulance charges, day-care procedures, and pre- and post-hospitalisation.
  • Affordable Premium: The plan is available at an affordable premium, making it accessible to secure yourself against rising medical bills.
  • Value-Added Services: The plan offers a number of value-added services, such as discounts on specialist consultations, diagnostics, and medicines.
  • Cashless Hospitalisation: The plan offers cashless hospitalisation at a network of hospitals across India.
  • Easy Claim Process: The claim process is simple and hassle-free.

Exclusions

  • Any non-recommended critical illness or claims made earlier than the waiting period.
  • STDs, LAV-caused diseases, AIDS, etc.
  • Postpartum or childbirth complications (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.
  • Natural perils such as earthquakes, avalanches, hurricanes, volcanic eruptions, natural calamities, etc.
  • Nuclear or radioactive contamination.
  • Intentional self-injury or suicide attempts.
  • Drug abuse, alcoholism, intoxicating substance consumption, etc.
  • Adventure or hazardous sports/activities.
  • Refractive error.
  • Excluded providers.
  • Sterility or infertility treatments.
  • Maternity expenses.
  • Breach of law.
  • Unproven treatments.

Other Features

Narayana Health Insurance offers a comprehensive and personalised approach to healthcare coverage. It provides a range of plans designed to suit diverse needs and budgets, ensuring access to quality care and peace of mind. Explore plan options and get a quote with PolicyX.com.

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

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 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18 years (Maximum 65 years
  • with: no upper age limit for renewal) Sum Insured (SI): INR 25 Lakh to 1 Crore Waiting Period: 30 days

Frequently Asked Questions

The 4 most-asked questions about Narayana Arya Policy, 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.

Conclusion

Arya Health Plans offer integrated healthcare and insurance benefits with high coverage, OPD support

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