Narayana Aditi Narayana

Health Insurance

Quality healthcare now affordable for all

crore
coverage for
surgery or surgical
procedures

₹5 lakhs coverage for non-surgery or non-surgical procedures

Annual comprehensive
health checkup

Coverage

from day 1

10% off

on OPDs

Quality and Trust of Narayana Health

 Narayana Aditi Narayana
Health Insurance

Why choose

Narayana Aditi

High insurance Immediate coverage,

cover, low premium no waiting period

Consumables are
Annual comprehensive

covered

health checkup (except for robotic surgeries)

Easy cashless

claim settlement

You need to pay ₹2000* of You and your family need

Coverage outside
hospitalisation cost per to undergo a medical
Narayana Health
day for non-surgery or examination to check
network is limited
non-surgical procedures eligibility

^No waiting period or as conveyed before policy issuance

*The daily deductible of ₹2,000 shall only be applied on all admissible claims for non-surgery or non-surgical procedures under Plan 2 of the mentioned product.

Quality and Trust of Narayana Health

Narayana Aditi Narayana
Health Insurance

Eligibility
18 years and above

Family Coverage
Up to 2 adults and 4 children

Includes self, spouse, dependent children (aged 3 months to 25 years),

parents and parents-in-law

Quality and Trust of Narayana Health

Narayana Aditi Narayana
Health Insurance

How does the policy work?

Consider a scenario where the total bill amount for 5 days

of hospitalisation is ₹2,00,000.

Plan 1
Plan 2

₹10,317/year ₹10,524/year

RECOMMENDED

Surgery or surgical Non-surgery or Surgery or surgical Non-surgery or

procedures non-surgical procedures non-surgical

procedures procedures

₹1,90,000

paid by us
₹1,90,000

paid by us
2
₹ ,00,000
paid by us
*
₹1,90,000

paid by us

You pay You pay You pay You pay

₹10,000 ₹10,000 Zero ₹10,000

Mentioned premium is for a family of 4 with the eldest member being aged 40, for the mentioned Sum Insured excluding GST.

Actual premium may vary based on family configuration and underwriting outcome.

Your maximum payout

₹10,000 for 5 days of hospitalisation
regardless of bill amount

Quality and Trust of Narayana Health

Narayana Aditi Narayana
Health Insurance

Know Your Policy

Sum Insured
₹1 crore for surgery or surgical procedures

(Basis) (Along with amount) ₹5 lakhs for non-surgery or non-surgical

procedures

Individual/Multi-Individual/Family floater basis


Sum Insured for family floater is shared amongst all

Policy Coverage
COVERAGE AVAILABLE AT NARAYANA HEALTH

(What am I covered for?) HOSPITALS IN INDIA

Coverage in general war

Room category modification option
Semi-private roo
Private roo
Expenses incurred for:
In-patient car
Listed day care treatment
Alternative treatment
Listed modern treatments (Check T&Cs in the policy
Pre-hospitalisation expenses: 60 day
Post-hospitalisation expenses: 90 day
Living organ donor expense
Annual health checkup – ‘Base Package
Road ambulance charges

COVERAGE AVAILABLE AT NON-NETWORK

PROVIDERS IN INDIA (for below conditions only)

Any case of emergenc

Treatment not available at Narayana Health at the time of
admissio

Insured persons travelling to a location where Narayana

Health Hospital is not availabl
Insured person relocating to a location where Narayana

Health Hospital is not availabl

Coverage in general ward, or as per optional room category
selected

Quality and Trust of Narayana Health

Narayana Aditi Narayana
Health Insurance

Know Your Policy

Standard and specific exclusions (refer policy document
Exclusions

(What the policy Domiciliary hospitalisation and OPD treatment

does not cover?)
Any claims received outside Narayana Health Hospitals

except for scenarios mentioned before

Initial waiting period: Ni

Waiting period
Waiting period for specific illnesses: Ni

Waiting period for pre-existing diseases: Nil, unless specified

before the inception of the policy

Financial limits of Zero co-pay at Narayana Health Hospitals in Indi

Please intimate within the stipulated time when you are
coverage: Co-pay
seeking coverage at a non-network provider for eligible

& deductible scenarios to avoid 10% co-pay

Daily deductible:

Plan 1: Daily deductible of ₹2,000 on all admissible claim

Plan 2: Daily deductible of ₹2,000 on all admissible claims
for non-surgery or non-surgical procedure
No daily deductible shall be applicable on day care
treatments without surgery or surgical procedures

Quality and Trust of Narayana Health

Narayana Aditi Narayana
Health Insurance

Prohibition of Rebates

As per Section 41 of the Insurance Act 1938, as amended, the practice of

rebating is prohibited, as follows: No person shall allow or offer to allow, either

directly or indirectly, as an inducement to any person to take out or renew or

continue an insurance policy in respect of any kind of risk relating to lives or

property in India, any rebate of the whole or part of the commission payable or

any rebate of the premium shown on the policy, nor shall any person taking out or

renewing or continuing a policy accept any rebate, except such rebate as may be

allowed in accordance with the published prospectus or tables of the insurer.

Violations of Section 41 of the Insurance Act 1938, as amended, shall be

punishable with a fine which may extend to ₹10 Lakhs.

Disclaimer

The above is descriptive only: The actual terms and conditions can be found in the policy

document. Insured are advised to read the policy document completely for a full description of

the terms and conditions of coverage and the exclusions related thereto.


Narayana Health Insurance Limited CIN: U65120KA2023PLC174002 | IRDAI Reg. No.: 166

Website: www.narayanahealth.insurance | E-Mail: support@narayanahealth.insurance | Phone:

+91 9821034071 | Registered Office: No. 258/A, Bommasandra Industrial Area, Anekal Taluk,

Bengaluru - 560099, Karnataka, India | Corporate Office: No. 261/A, Bommasandra Industrial

Area, Anekal Taluk, Bengaluru - 560099, Karnataka, India | Product Name: Narayana Aditi |

UIN: NHIHLIP25035V022425 URN: NHIL/ADITI/BRO/ENG/004/V1/Sep24.

The marks, logos, service marks, etc. displayed above, whether registered or unregistered, are

the intellectual property under the proprietary of Narayana Hrudayalaya Limited and used by

Narayana Health Insurance Limited under a valid licence.

Quality and Trust of Narayana Health

 Narayana
Health Insurance

Secure your family today with

Narayana Aditi

To know more, contact us at

Bengaluru and Ramanagara

080 - 4824 9240

Mysore and other districts

+91 98210 33261

namaskara@narayanahealth.insurance

Currently available for sale in these districts only

Mysore | Chamraj Nagar | Kodagu | Mandya | Hassan | Bengaluru | Bengaluru Rural | Ramanagara