Narayana Arya Health Insurance

Happy Customers Comprehensive health policy

Buy Policy in just 2 mins Cashless hospitalisation

Free Comparison Easy claim process

Network hospital

21+

Network hospitals

Claim settlement ratio

NA%

Claim settlement ratio

Sum Insured

Up to 1 Crore

Sum insured

No of Plans

1

No. of Plans

Solvency Ratio

NA

Solvency Ratio

Pan India Presence

NA+

Pan India Presence

PolicyX is one of India's leading digital insurance platform

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select members you want to insure

PolicyX Exclusive Benefits

Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

Real-time reviews on Google

Free Comparison

Free Comparison

Find the best policy for you

Narayana Arya Policy
Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 4 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.

 |
Reviewed By:
Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

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 Jul 07, 2025 3 min read

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 Narayana One Health. It is designed for individuals and families so they can get quality healthcare services at affordable prices. The plan offers a wide range of benefits, like 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. 

 

Why Do We Exist?

Compare

Health Insurance Plans

Choose 1st Plan

Choose 2nd Plan

Compare

Health Insurance Plan

Narayana Arya Health Insurance Specifications

To understand Narayana Arya Health Insurance Insurance in detail, take a look at the below table:

Entry Age

3 months to 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

25 L | 50 L | 75 L | 1 Cr

Initial 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.

Read more specifications in the brochure.

Choose Right Insurance Banner Choose Right Insurance Banner

Choose Your Narayana Arya Health Insurance

With wide coverage options available, Narayana Arya 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

Not 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

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

IVF Treatment

Modern Treatment

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

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.

Benefits of Narayana Arya Health Insurance Plan

  • Comprehensive coverage

    This plan offers comprehensive coverage for a wide range of medical expenses. These include hospitalisation, ambulance charges, day-care procedures, pre, post hospitalisation, and much more.

  • Affordable premium

    You 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 services

    The plan offers a number of value-added services, such as discounts on specialist consultations, diagnostics, and medicines.

  • Cashless hospitalization

    The plan offers cashless hospitalization at a network of hospitals across India.

  • Easy claim process

    The claim process is simple and hassle-free.

 

Exclusions of Narayana Arya Health Insurance Policy

Permanent Exclusions

Permanent diseases or health conditions that are 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, etcn

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

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.

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:

Individual and Family Health Insurance

Narayana Arya Health Insurance

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 Narayana One Hea...

Unique Features

  • Comprehensive health policy
  • Cashless hospitalisation
  • Easy claim process

Narayana Arya Health Insurance (Pros)

Narayana Arya Health Insurance
  • Upto 1 crore sum insured
  • Zero waiting period
  • Pre and post-hospitalisation

Narayana Arya Health Insurance (Cons)

Narayana Arya Health Insurance
  • Daycare treatment not covered
  • Domiciliary treatments not covered
  • OPD charges not covered

Narayana Arya Health Insurance (Other Benefits)

Narayana Arya Health Insurance
  • Any room type avaialable
  • Top-up options available
  • Quick claim process

Narayana Arya Health Insurance (Eligibility Criteria)

Narayana Arya Health Insurance
  • Entry age - 18 years
  • Max 65 years - No age limit
  • SI - INR 25L to 1 Cr
  • Waiting Period - 30 days

Individual and Family Health Insurance

Narayana Aditi Health Insurance

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...

Unique Features

  • No waiting period
  • Annual health checkups
  • Coverage available at non-network

Narayana Aditi Health Insurance (Pros)

Narayana Aditi Health Insurance
  • 1 Cr sum insured
  • Room category modification
  • Living organ donor

Narayana Aditi Health Insurance (Cons)

Narayana Aditi Health Insurance
  • Domiciliary hospitalisation not covered
  • OPD treatment
  • Maternity not covered

Narayana Aditi Health Insurance (Other Benefits)

Narayana Aditi Health Insurance
  • Annual health checkup
  • Road ambulance charges
  • Coverage from day 1

Narayana Aditi Health Insurance (Eligibility Criteria)

Narayana Aditi Health Insurance
  • 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.

Star Health Insurance Premium Calculator

Niva Health Insurance Premium Calculator

ICICI Lombard Health Insurance Premium Calculator

Care Health Insurance Premium Calculator

National Health Insurance Premium Calculator

HDFC ERGO Health Insurance Premium Calculator

SBI Health Insurance Premium Calculator

Aditya Birla Health Premium Calculator

Tata AIG Health Premium Calculator

ManipalCigna Health Premium Calculator

New India Health Premium Calculator

Cholamandalam MS Health Premium Calculator

Oriental Health Premium Calculator

ACKO Health Premium Calculator

Narayana Arya Health Insurance: FAQs

1. Where can I find more information about Narayana Arya Health Insurance?

You can find more information about Narayana Arya Health Insurance on the Narayana Health website or by contacting their customer support team.

2. What is the claim process for Narayana Arya Health Insurance?

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.  

3. How can I purchase Narayana Arya Health Insurance?

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.  

4. Who is eligible for Narayana Arya Health Insurance?

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.  

Other Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Galaxy Health Insurance

Narayana Health Insurance

Know More About Health Insurance Companies

Share your Valuable Feedback

Rating Icon

5

Rated by 6 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran saxena

Written By: Simran Saxena

Simran has over 4 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.

You May Also Know About

Health Insurance India Best Health Insurance Companies Best Health Insurance Plans Best Family Health Plans Critical Illness Insurance