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The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage from day one, without any waiting period. This plan covers hospitalisation, surgery, and other medical treatments. It offers a sum insured of up to Rs 1 Crore for surgeries and Rs 5 Lakh for medical management. A key feature of this plan is that coverage begins from day one, eliminating any waiting period.
This plan can cover yourself and your family of up to 6 members.
| PLAN DETAILS |
Aditi Health Insurance |
Galaxy Twin 360 |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | COVERED |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | COVERED |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | COVERED |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | COVERED |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | COVERED |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | COVERED |
| Hospital_network (Number of Hospital Network in city) |
2400 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | COVERED |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | COVERED |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | COVERED |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | COVERED |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | COVERED |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | COVERED |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | NOT COVERED |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | NOT COVERED |
| Plan Entry Age | 18 years | Adult: 18 years Children: 90 days to 18 years |
| Plan Premium Entry Age and S/A | 3456 | Upto Rs. 35 lakh |
| Plan Waiting Period | Nil | 30 days |
| Plan Coverage | Hospitalisation expenses, ICU charges, daycare procedures, pre and post-hospitalisation, and emergency ambulance cover. | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment |
| Plan Sample Premium | 3456 | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1/2/3/4/5 years |
| ICU Charges | Covered | COVERED |
| Covid-19 Treatment | Covered | NOT COVERED |
| Cataract | Covered | COVERED |
| Automatic Restoration | Not Covered | COVERED |
| Ayush Treatment | Not Covered | COVERED |
| Modern Treatment | Not Covered | COVERED |
| E Consultation | Not Covered | COVERED |
| Air Ambulance | Not Covered | NOT COVERED |
| Global Coverage | Not Covered | NOT COVERED |
| Claim Ratio | 100 | 98.9 |
| Solvency Ratio | 1.61 | 4.70 |
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