Narayana Health Insurance Aditi: Overview
Narayana Health Insurance Aditi is a network-centric health plan that covers surgeries up to ₹1 crore and non-surgical care between ₹5 lakh and ₹20 lakh.
Cashless treatment is mostly limited to Narayana hospitals through three plan variants. Under Plan 1 and Plan 2, you’re admitted in a general ward by default and pay a ₹2,000 daily deductible. Only the Plus variant allows private-room admission and has no daily deductible, while still following the rule for standard waiting periods and medical checks.
Introduction
For families living in cities with a Narayana hospital, the Aditi health plan looks like a good option. You get ₹1 crore cover for surgeries, ₹5 lakh+ for general treatment, and cashless care across Narayana’s network. The brochure also mentions that standard waiting periods (30 days, specific-disease and pre-existing disease) can be reduced or even waived for some buyers after a mandatory health check-up at empanelled centres.
However, it comes with trade-offs like fixed deductibles, general ward hospitalisation by default, and limited non-network coverage.
This article explains how Narayana Health Insurance Aditi works, its key benefits, eligibility criteria, the stand on non-network care, inclusions, exclusions, and who this plan suits best.
Wondering if Narayana Health Insurance Aditi is worth buying ? Book a FREE call with Ditto’s advisors to compare it with better health plans and pick the right cover.
Key Benefits of Narayana Health Insurance Aditi
High Cover Split
Narayana Health Insurance Aditi offers a high cover of ₹1 crore for surgeries and ₹5 lakh for non-surgical medical treatment under Plan 1 and Plan 2, while the Plus Plan keeps the same ₹1 crore surgery cover and lets you choose a higher non-surgery cover cap of ₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh.
No Waiting Periods
Narayana Health Insurance Aditi links waiting periods to your medicals instead of using a blanket rule. By default, it follows standard health insurance waiting periods, but if you complete the required health check-up at an empanelled provider, the insurer can shorten these, based on underwriting.
Useful Inclusions
Narayana Health Insurance Aditi includes annual health check-up (within base package), consumables (excluding robotic surgeries), listed day-care, modern and alternative treatments, organ donation, and ambulance services. For Plus Plan buyers, domiciliary (home) hospitalisation is also included, with its own list of excluded illnesses like asthma, diabetes, hypertension and simple fevers.
Narayana Health Insurance Aditi : Conditions to Keep in Mind
- Narayana Health Insurance Aditi allows outside the network treatment only in special cases (like emergencies, non-availability of a specific treatment, patient relocation, and when a NH facility is not present in your city), but still follows the general-ward rule (only plan 1 and 2 and can be upgraded using add-on).
- For any permitted non-network admission, you must pre-intimate within the timeline (24–48 hours, depending on the situation) to avoid 10% co-payment.
- Plan 1 of Narayana Health Insurance Aditi has a daily deductible of ₹2,000/day on every admissible hospitalisation (surgery and other treatments).
- Plan 2 has a daily deductible of ₹2,000/day only on non-surgical medical stays.
- The Plus Plan has no daily deductible on any admissible claim.
- Across all three variants, no daily deductible is applied for day-care treatment without surgery or surgical procedure, and the deductible does not apply to ambulance charges or the annual health check-up benefit.
- Optional covers like “Room Category Modification” (upgrading from general ward to semi-private or private), Aggregate Deductible, AccumulatePlus (which increases the non-surgery sub-limit by 25–50% each year up to 100%) and Revive (restores the non-surgery sub-limit after it is used in a policy year) are available under specific plan/channel combinations.
Understanding about deductibles and co-pay can save you from high out-of-pocket expenses at the hospital. Read our exclusive guide to know more.
Narayana Health Insurance Aditi: Eligibility Criteria
Age
Family Structure
Mandatory Medical Check-up
Nationality
Note: Narayana Health Insurance Aditi is currently only available in Mysuru, Chamarajanagar, Kodagu (Coorg), Mandya, Hassan, Kolkata, Howrah, and Raipur (principal insured must have current address proof from one of these districts).
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Should You Buy Narayana Health Insurance Aditi: Ditto’s Take
Narayana Health Insurance itself is fairly new and was launched in 2024, so there isn’t much long-term data available on its operational efficiency. For FY 2024–25, the claim settlement ratio (CSR) stands at 100%, but this is based on a very short track record.
You can consider Narayana Health Insurance Aditi for quite a few reasons. But the way it's designed, people who only use Narayana facilities for their treatment are most benefited. So, let’s keep it simple.
Say yes to Narayana Health Insurance Aditi, if :
- There’s an NH hospital in your city and you want in-network, cashless care.
- You can handle a ₹2,000/day deductible.
- You are okay with general-ward admission.
- You are ready to pay extra for the Aditi Plus variant with private room eligibility, higher non-surgery cover and no daily deductible using mainly NH hospitals.
Skip Narayana Health Insurance Aditi, if:
- You need cover for home care/OPD across hospitals (OPD is not covered at all and domiciliary hospitalisation is available only under the Plus Plan with several excluded illnesses).
- You prefer to be treated in private/semi-private hospital rooms.
- There’s no NH facility in the city you live in.
These can be a deal breaker for many, especially when there are better retail health plans.
FAQs
What are the daily deductibles in Narayana Health Insurance Aditi?
The daily deductibles for Plan 1 of Narayana Health Insurance Aditi is ₹2,000/day on all admissible claims. For Plan 2, it’s still ₹2,000/day but only applicable for non-surgical admissions. The Aditi Plus Plan doesn’t have any daily deductible on admissible claims. Across all three variants, there’s no daily deductible on day-care treatment without surgery, and the deductible doesn’t apply to ambulance charges or the annual health check-up.
Is there a waiting period in Narayana Health Insurance Aditi?
Yes, by design, Aditi follows standard health insurance waiting periods (30 days for most illnesses, 24 months for listed specific diseases and 36 months for pre-existing diseases) unless your policy schedule says otherwise.
If you undergo the required health check-up at an empanelled provider within the specified window, the insurer can modify the waiting period for pre-existing disease (0–3 years), specific-disease, and 30-day waiting periods, depending on your risk profile and underwriting decision. When your medicals are clear and the insurer accepts the risk, your schedule may show “no waiting period” for certain conditions.
Can I use Narayan Health Insurance Aditi in any hospital?
Narayana Health Insurance Aditi is primarily network-dependent. Outside-network coverage (through reimbursement, not cashless) is allowed only for certain scenarios like emergencies, unavailability of treatment for a specific condition at a NH facility, and patient relocation. If you use a non-network provider in these scenarios and don’t intimate the insurer within the required 24–48 hours, a 10% co-pay applies on the admissible claim.
Does Narayana Health Insurance Aditi cover OPD or home care?
No, OPD is not covered under Narayana Health Insurance Aditi. Domiciliary (home) hospitalisation is available only with the Aditi Plus Plan and only under prescribed conditions, with several common illnesses (like asthma, diabetes, hypertension, simple fevers and a few others) excluded from this benefit.
However, the insurer may, separately, offer discretionary discounts on OPD services (consultations, medicines, tests) at listed providers as a value-added service, but these are not reimbursements under the insurance cover.
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