Is Narayana Health costly?

Compared to many premium private hospitals, Narayana Health is considered more affordable, its business model emphasizes efficiency and subsidized care.

Who is the owner of Narayana Health Insurance?

Narayana Health Insurance is part of Narayana Health, the hospital chain founded by Dr. Devi Shetty, who is also its chairman.

Which health insurance is No. 1 in India?

In terms of market share, New India Assurance is a leading player in health insurance. For standalone health insurers, Star Health & Allied Insurance is a top-player.

What is the cost of Dr Devi Shetty?

It depends on the hospital and location; in his hospitals it can be significantly lower than very high-end private hospitals, but varies.

What is Narayana Health’s success rate?

While specific “success rate” metrics like survival % aren’t publicly broken out, Narayana Health is widely recognized for its efficient, high-quality care model and has become a benchmark for low-cost tertiary care.

Is Dr. Devi Shetty a billionaire?

Yes — Dr. Devi Shetty is a very wealthy entrepreneur, given his large hospital network and business ventures (including insurance), and his company’s valuation has crossed the $1 billion mark.

How does Narayana Health compare to others?

It stands out for combining quality tertiary care with lower costs, leveraging scale, cross-subsidy, and efficiency — unlike many private hospitals that charge much more.

Disclaimer: Jaagruk Bharat is a private organization offering support for documentation and government scheme access. We are not affiliated with any government body. Official services are available on respective government portals. Our goal is to make processes easier and more accessible for citizens.

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Narayana Health Insurance: Narayana Aditi Health Insurance ₹1 Crore Coverage Plan Review

Q: What is Narayana health insurance?

It’s a health-insurance company launched by the Narayana Health hospital chain, offering its flagship plan Aditi, which provides up to ₹1 crore surgical cover for a relatively low premium.

Pragya Pathak

Author

Updated: 19-11-2025 at 3:30 PM

Health insurance is one of the most essential types of insurance as it is a shield protecting the life of an individual. Every person, irrespective of their background, should have health insurance for themselves and their loved ones, as emergencies can come at any time and anywhere.

One of the health insurance policies is the Narayana Health Insurance, a joint venture of the Bengaluru-based hospital chain Narayana Health. It announced its first product, a family-floater policy called Aditi, providing comprehensive coverage of ₹1 crore for a premium of ₹ 10,000 per annum. This new offer is considered the private sector’s complement to Ayushman Bharat by the government.

However, will this be an “affordable tag” on the product? Industry trackers remain sceptical that there is no plan. As stated at the launch on July 1st, this attractive ₹1 crore cover is confined to surgeries, while medical management is limited to ₹5 lakh, the same as Ayushman Bharat.

Read the article to learn more about the Narayana Health Insurance Arya, including information on checking the Narayana Health Insurance hospital list.

Overview

The table below summarises some key details about the Narayana Health Insurance Aditi that one should know.

Name of the insurance	Narayana Health Insurance Aditi
Objective	Provides a comprehensive coverage of ₹1 crore for a premium of ₹ 10,000 per annum
Mode of application	Online
How to view the Narayana Health Insurance Price List or Narayana Health Insurance Premium Chart?	Through the Narayana Health insurance website

What is Narayana Health Insurance?

The Narayana Health insurance reviews revealed that though there is significant coverage within the Narayana network, outside network coverage is limited. This policy imposes a daily deductible of ₹2000 per day on all admissible claims for non-surgery or non-surgical procedures.

According to industry expert Mr Nikhil Jha, “The cover is too narrow, both in terms of hospitals as well as medical processes. You need insurance without any restrictions and such a plan would be for people who are poor and want an alternative to Ayushman Bharat. Until Narayana Health comes with a better comprehensive cover, this will not move the industry at all.”

Drawbacks of the Narayana Health Insurance Aditi Policy

Along with benefits, the health insurance policy has several drawbacks as well, some of which are laid down below in brief points:

Disadvantages of the Aditi policy by Narayana Health Insurance include limiting it only within the Narayana Health network, which may discourage many potential buyers from purchasing it.
There are no co-payments for treatments within the network but if treatment is sought at a non-network hospital without informing within the time specified by Narayana then a 10% co-payment applies.
Also, it only covers certain daycare treatments but not all procedures.
Another significant limitation is that the coverage for this policy is restricted to the general ward. In case of admission being taken in special rooms, a pro-rata basis applicable to the general ward will be paid by the insurance company.

Benefits of Narayana Health Insurance Family Floater

Although with drawbacks, the benefits of Narayana Health Insurance family floater are quite attractive:

High insurance cover, low premium: A ₹1 crore cover for a ₹10,000 premium p.a.
Immediate coverage: No waiting period for most treatments.
Free annual comprehensive health checkup: Ensuring policyholder's ongoing health monitoring.
Consumables covered: Except for robotic surgeries,
Pre-hospitalisation expenses of 60 days are covered.
Post-hospitalisation expenses of 90 days are covered.
Living organ donor expenses are covered.
Wide coverage for family: Covers two adults and up to four children including self, spouse and dependent children (aged 3 months to 25 years).

Comparing Narayana Health Insurance and Ayushman Bharat

A comparison between Narayana Health Insurance and Ayushman Bharat shows that while Ayushman Bharat has a wider network of hospitals and a sum insured of ₹5 lakh, it does not cover many critical illnesses. Narayana Health Insurance has a ₹1 crore cover for surgeries aimed at bridging this gap but for now, its narrow network and various restrictions limit it.

Is Narayana Health Insurance Aditi Affordable?

It is difficult to answer the Is Narayana Health Insurance Aditi affordable? Even though the premiums are relatively cheap, there are many restrictions and limitations to coverage which make it less attractive.

This was pointed out by financial expert BasuNivesh, “From the outer look it seems very attractive but loaded with ifs and buts. The biggest deterrent to many is treatment only in the Narayana Health network.”

How To Apply For The Narayana Health Insurance Aditi?

One can apply for the Narayana health insurance scheme by following the steps mentioned below in a stepwise manner:

Step 1: Please visit the Narayana Health insurance website and register.

Step 2: Post registering, using your credentials, complete the Narayana Health insurance website login.

Step 3: After logging in, click on the insurance policy’s name and start filling out the application form.

Step 4: Upload the required documents, pay the fee, and finish applying for the health insurance scheme.

Please note that you may have to go through a medical health checkup after which your insurance will get approved.

What Are The Documents Required To Apply For The Narayana Health Insurance?

There are some documents that the applicants are required to upload or attach while filling out the application form. The list of those documents is:

Aadhaar card
Medical report
Bank details

Pros and Cons of Narayana Aditi Policy

Below are some of the Narayana Aditi policy pros and cons:

Pros	Cons
They offer high surgery coverage.	Confined to use within the Narayana Health network.
Affordable yearly premiums.	A daily deductible amount is charged for non-surgical treatments.
No waiting time for most treatments	Coverage is limited to the general ward only.
Full medical examination as well as transplant expenses coverage for living organ donors.	The customer must pay part of the fee before using a service outside the network.

Conclusion

The ‘Aditi’ policy from Narayana Health Insurance Company with its ₹1 crore cover could be an interesting option in the health insurance market. Protecting one’s health is extremely important for every individual, and such health insurance policies are a step towards ensuring the safety and protection of one’s life against all odds. Therefore, we urge you to invest in a health insurance policy and protect your life as nothing is more expensive or important than a person’s life.

Nevertheless, it might not yet be ready for inclusion as an ideal safety net for those who cannot afford much because there are several limitations in this policy. As this product evolves and potentially expands its coverage and networks, it may provide more comprehensive health insurance solutions that are also accessible to more people.

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