{"uin":"NHIHLIP27047V022627","name":"Arya Health Insurance","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627","insurer":{"slug":"narayana-health-insurance","name":"Narayana Health Insurance Ltd.","url":"https://indiainsurances.com/insurer/narayana-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Arya Health Insurance is a health indemnity policy with Plan 1 (Arya) and Plan 2 (Arya Plus), offered with base sum insured options of INR 25 Lacs, INR 50 Lacs, INR 1 Crore or Unlimited. It covers hospitalization mainly through Preferred and Verified Provider Networks, with Arya Plus adding Other Provider Network access, and has 60 days pre-hospitalization and up to 180 days post-hospitalization cover subject to plan and provider conditions.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:54:40.12737+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan 1 (Arya)","Plan 2 (Arya Plus)"],"display":"Plan 1 (Arya) and Plan 2 (Arya Plus)","note":null,"quote":"PRODUCT BENEFITS | Plan 1 (Arya) - Arya (Access to Preferred + Verified Provider Network) | Plan 2 (Arya Plus) - Arya Plus","sources":[{"clause":"Annexure 1","heading":"Schedule of Benefits","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-annexure-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 year / 2 years / 3 years, basis option selection.","display":"1 year / 2 years / 3 years","note":null,"quote":"Policy Tenure | 1 year / 2 years / 3 years (basis option selection) | 1 year / 2 years / 3 years (basis option selection)","sources":[{"clause":null,"heading":"Other Provider Network","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-other-provider-network"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, emergency hospitalization must be notified within 24 hours from the date of emergency hospitalization required or before discharge, whichever is earlier. Planned hospitalization must be notified at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge; planned: at least 48 hours before admission","note":"At Preferred and Verified Provider Network, no intimation is required for pre-authorization of cashless admission, but intimation is recommended for planned treatment.","quote":"i) Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"10.5","heading":"Procedure for reimbursement of claim","page":34,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-5"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Completed claim form","Photo Identity proof of the patient","Medical practitioner’s prescription advising admission","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient along with other details.","Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon’s certificate giving details of the operation performed (for surgery/surgical procedure cases)","Sticker/Invoice of the Implants, wherever applicable","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim"],"display":"Claim form, ID proof, admission prescription, itemised original bills, receipts, discharge summary, investigation reports, surgery notes where applicable, implant invoice, MLR/FIR where applicable, NEFT/cancelled cheque, KYC above Rs 1 Lakh, legal heir certificate where applicable, and any other relevant document","note":null,"quote":"i) Duly Completed claim form\nii) Photo Identity proof of the patient\niii) Medical practitioner’s prescription advising admission\niv) Original bills with itemized break-up\nv) Payment receipts\nvi) Discharge summary including complete medical history of the patient along with other details.\nvii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon’s certificate giving details of the operation performed (for surgery/surgical procedure cases)\nix) Sticker/Invoice of the Implants, wherever applicable\nx) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines\nxiii) Legal heir/succession certificate, wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim","sources":[{"clause":"10.5","heading":"Procedure for reimbursement of claim","page":34,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company says it will settle or reject a claim within 15 days from the date of receipt of intimation. The reimbursement claim procedure also says the claim will be processed within 15 days from the date of receipt of request from the insured member.","display":"15 days from receipt of intimation; reimbursement processing within 15 days from receipt of request","note":"For cashless claims, the policy also states one hour for initial cashless authorization and three hours for final approval after discharge authorization request.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of intimation. ... The claim will be processed within 15 days from the date of receipt of request from Insured member by Us.","sources":[{"clause":"11.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-11-1"},{"clause":"10.5","heading":"Procedure for reimbursement of claim","page":34,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing Disease (Code-Excl01)","Specified Disease/Procedure waiting period (Code-Excl02)","30-day waiting period (Code-Excl03)","Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Change-of-Gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports (Code-Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences there-of","Sterility and Infertility (Code-Excl17)","Maternity (Code-Excl18)","Any expenses incurred on Out Patient treatment, except Value Added Services (Section 8)","Non-Medical expenses as listed in List-1 of Annexure 5"],"display":"PED waiting period, specified disease/procedure waiting period, 30-day waiting period, investigation and evaluation, rest cure/rehabilitation/respite care, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, sterility/infertility, maternity, OPD except Value Added Services, and non-medical expenses unless covered","note":null,"quote":"7.1.1 Pre-existing Disease (Code-Excl01) ... 7.1.2 Specified Disease/Procedure waiting period (Code-Excl02) ... 7.1.3 30-day waiting period (Code-Excl03) ... 7.1.4 Investigation & Evaluation (Code-Excl04) ... 7.1.5 Rest Cure, rehabilitation and respite care (Code-Excl05) ... 7.1.7 Change-of-Gender treatments (Code-Excl07) ... 7.1.8 Cosmetic or plastic Surgery (Code-Excl08) ... 7.1.9 Hazardous or Adventure sports (Code-Excl09) ... 7.1.10 Breach of law (Code-Excl10) ... 7.1.11 Excluded Providers (Code-Excl11) ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences there-of (Code- ... 7.1.17 Sterility and Infertility (Code-Excl17) ... 7.1.18 Maternity (Code-Excl18) ... Any expenses incurred on Out Patient treatment, except Value Added Services (Section 8). ... Non-Medical expenses as listed in List-1 of Annexure 5.","sources":[{"clause":"7.1.1","heading":"Pre-existing Disease (Code-Excl01)","page":27,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-1"},{"clause":"7.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":27,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-2"},{"clause":"7.1.3","heading":"30-day waiting period (Code-Excl03)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-3"},{"clause":"7.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-4"},{"clause":"7.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-5"},{"clause":"7.1.7","heading":"Change-of-Gender treatments (Code-Excl07)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-7"},{"clause":"7.1.8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-8"},{"clause":"7.1.9","heading":"Hazardous or Adventure sports (Code-Excl09)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-9"},{"clause":"7.1.10","heading":"Breach of law (Code-Excl10)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-10"},{"clause":"7.1.11","heading":"Excluded Providers (Code-Excl11)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-11"},{"clause":"7.1.12","heading":null,"page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-12"},{"clause":"7.1.17","heading":"Sterility and Infertility (Code-Excl17)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-17"},{"clause":"7.1.18","heading":"Maternity (Code-Excl18)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-18"},{"clause":"7.2.19","heading":null,"page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-19"},{"clause":"7.2.20","heading":null,"page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-20"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call Customer Support at +91 9821 034071 or email support@narayanahealth.insurance. If unresolved, email grievance@narayanahealth.insurance and then write to the Grievance Redressal Officer at gro@narayanahealth.insurance before using Bima Bharosa or the Insurance Ombudsman.","display":"Customer Support → grievance@narayanahealth.insurance → Grievance Redressal Officer → Bima Bharosa / Insurance Ombudsman","note":null,"quote":"Step 1:\nCall the Customer Support at +91 9821 034071 or email us at support@narayanahealth.insurance ... Step 2:\nIf the issue is not resolved in Step 1 and the customer wants to make a further suggestion or a complaint, they can email us at grievance@narayanahealth.insurance\nStep 3:\nIf the customer for some reason feels that we have not been able to resolve the issue even in Step 2 and customer wishes to raise a concern, please write to Grievance Redressal Officer at gro@narayanahealth.insurance. ... Step 4:\nIn case a complainant is not satisfied with the resolution from the above escalation authority, they may choose to log in their grievance at BIMA BHAROSA GRIEVANCE REDRESSAL PORTAL - bimabharosa.irdai.gov.in or they can approach the Insurance Ombudsman.","sources":[{"clause":"13.24","heading":"Redressal of Grievance","page":40,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-24"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Base Sum Insured options for hospitalization indemnity coverage are INR 25 Lacs, INR 50 Lacs, INR 1 Crore and Unlimited.","display":"INR 25 Lacs / INR 50 Lacs / INR 1 Crore / Unlimited","note":null,"quote":"Base Sum Insured (in INR) for hospitalization indemnity coverage | INR 25 Lacs / INR 50 Lacs / INR 1 Crore / Unlimited (Basis option selection) | INR 25 Lacs / INR 50 Lacs / INR 1 Crore / Unlimited (Basis option selection)","sources":[{"clause":null,"heading":"Other Provider Network","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-other-provider-network"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"May be Zero or 30 days based on underwriting policy and selection of the Deferred Initial Health checkup / examination option.","quote":"Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... 13 | 30-Day Waiting Period (days) | Zero / 30 days (basis Underwriting Policy and selection of Optional Cover \"Deferred Initial Health checkup / examination\"","sources":[{"clause":"7.1.3","heading":"30-day waiting period (Code-Excl03)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-3"},{"clause":"Row 13","heading":"30-Day Waiting Period (days)","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-13"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"May be Zero / 1 Year / 2 Years / 3 Years based on underwriting policy and Deferred Initial Health checkup / examination.","quote":"Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... 14 | Pre-existing Disease Waiting Period (years) | Zero / 1 Year / 2 Years / 3 Years (basis Underwriting Policy and selection of Optional Cover \"Deferred Initial Health checkup / examination\"","sources":[{"clause":"7.1.1","heading":"Pre-existing Disease (Code-Excl01)","page":27,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-1"},{"clause":"Row 14","heading":"Pre-existing Disease Waiting Period (years)","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-14"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"May be Zero / 1 Year / 2 Years based on underwriting policy and Deferred Initial Health checkup / examination.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. ... 15 | Specific Disease / Procedure Waiting Period (years) | Zero / 1 Year / 2 Years (basis Underwriting Policy and selection of Optional Cover \"Deferred Initial Health checkup / examination\"","sources":[{"clause":"7.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":27,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-2"},{"clause":"Row 15","heading":"Specific Disease / Procedure Waiting Period (years)","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Pancreatitis","Diseases of gall bladder including cholecystitis","All forms of Cirrhosis","Cataract and other disorders of lens and Retina","Perineal Abscesses","Osteoarthritis and osteoporosis","Fibroids (fibromyoma)","Non infective Arthritis","Calculus diseases of Urogenital system e.g. Kidney stone, Urinary Bladder Stone","Ulcer and erosion of stomach and duodenum","Gastro Oesophageal Reflux Disorder (GERD)","Perianal Abscesses","Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism","Benign Hyperplasia of Prostate","Pilonidal sinus","Benign tumours, cysts, nodules, polyps including breast lumps","Polycystic ovarian diseases","Sinusitis, Rhinitis","Skin tumours","Tonsillitis","Adenoidectomy, tonsillectomy","Tympanoplasty, Mastoidectomy","Hernia","Dilatation and curettage (D&C)","Nasal concha resection","Surgery for prolapsed inter vertebral disc","Myomectomy for fibroids","Surgery of Genito urinary system unless necessitated by Malignancy","Surgery for varicose veins and varicose ulcers","Surgery on prostate"],"display":"Listed illnesses and surgeries include pancreatitis, gall bladder disease, cirrhosis, cataract/lens/retina disorders, abscesses, osteoarthritis/osteoporosis, fibroids, non-infective arthritis, stones, ulcers, GERD, haemorrhoids/fissure/fistula, benign prostate hyperplasia, benign tumours/cysts/nodules/polyps, PCOD, sinusitis/rhinitis, skin tumours, tonsillitis, hernia and listed ENT, gynaecology, urogenital, disc, varicose vein and prostate surgeries","note":null,"quote":"Illnesses\ni) Pancreatitis\nii) Diseases of gall bladder including cholecystitis\niii) All forms of Cirrhosis\niv) Cataract and other disorders of lens and Retina\nv) Perineal Abscesses\nvi) Osteoarthritis and osteoporosis\nvii) Fibroids (fibromyoma)\nviii) Non infective Arthritis\nix) Calculus diseases of Urogenital system e.g. Kidney stone, Urinary Bladder Stone\nx) Ulcer and erosion of stomach and duodenum\nxi) Gastro Oesophageal Reflux Disorder (GERD)\nxii) Perianal Abscesses\nxiii) Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism\nxiv) Benign Hyperplasia of Prostate\nxv) Pilonidal sinus\nxvi) Benign tumours, cysts, nodules, polyps including breast lumps\nxvii) Polycystic ovarian diseases\nxviii. | Sinusitis, Rhinitis\nxix. Skin tumours\nxx. Tonsillitis\nSurgical Procedures\ni. Adenoidectomy, tonsillectomy\nii. Tympanoplasty, Mastoidectomy\niii. Hernia\niv. Dilatation and curettage (D&C)\nv. Nasal concha resection\nvi. Surgery for prolapsed inter vertebral disc\nvii. Myomectomy for fibroids\nviii. Surgery of Genito urinary system unless necessitated by Malignancy\nix. Surgery for varicose veins and varicose ulcers\nx. Surgery on prostate","sources":[{"clause":"7.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":27,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"Five continuous years","note":"After expiry, no claim is contestable except proven fraud and permanent exclusions, subject to policy limits, sub-limits and co-payments.","quote":"After completion of Five continuous years under this policy no look back would be applied. This shall be applicable to ported policies as well subject to the condition that the coverage has been continuous. This period of Five years is called the moratorium period.","sources":[{"clause":"9","heading":"Moratorium Period","page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers under portability guidelines by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Waiting periods for PED and specific disease/procedure exclusions are reduced by continuous preceding years of coverage.","display":"Can port to other insurers with continuity credit for waiting periods","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers as per extant Guidelines related to portability. ... at least 30 days before, but not earlier than 60 days from the policy renewal date ... The waiting periods specified in Pre-existing Diseases Excl01 (Section 7.1.1), Specific Disease Procedure Waiting Period\nExcl02 (Section 7.1.2) shall be reduced by the number of continuous preceding years of coverage","sources":[{"clause":"13.14","heading":"Portability","page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-14"},{"clause":"13.14(a)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-14-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/ Weight Control (Code-Excl06)","Change-of-Gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports (Code-Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences there-of (Code-Excl12)","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code-Excl15)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity (Code-Excl18)","External Congenital Anomaly","Dental/oral treatment","Hormone Replacement Therapy","Sleep disorders","Acupressure, acupuncture, magnetic and other therapies","Any expenses incurred on Out Patient treatment, except Value Added Services (Section 8)"],"display":"Permanent exclusions include Excl04 to Excl18 and product-specific exclusions such as external congenital anomaly, dental/oral treatment except accident, hormone replacement therapy, sleep disorders, acupressure/acupuncture/magnetic therapies, and OPD except Value Added Services","note":"Excl01 to Excl03 are waiting-period exclusions and are not listed here.","quote":"7.1.4 Investigation & Evaluation (Code-Excl04) ... 7.1.5 Rest Cure, rehabilitation and respite care (Code-Excl05) ... 7.1.6 Obesity/ Weight Control (Code-Excl06) ... 7.1.7 Change-of-Gender treatments (Code-Excl07) ... 7.1.8 Cosmetic or plastic Surgery (Code-Excl08) ... 7.1.9 Hazardous or Adventure sports (Code-Excl09) ... 7.1.10 Breach of law (Code-Excl10) ... 7.1.11 Excluded Providers (Code-Excl11) ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences there-of (Code- ... Excl12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13) ... Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure (Code-Excl14) ... 7.1.15 Refractive Error (Code-Excl15) ... 7.1.16 Unproven Treatments (Code-Excl16) ... 7.1.17 Sterility and Infertility (Code-Excl17) ... 7.1.18 Maternity (Code-Excl18) ... 7.2.5 External Congenital Anomaly ... 7.2.6 Dental/oral treatment ... 7.2.7 Hormone Replacement Therapy ... 7.2.11 Sleep disorders ... Acupressure, acupuncture, magnetic and other therapies. ... Any expenses incurred on Out Patient treatment, except Value Added Services (Section 8).","sources":[{"clause":"7.1.4","heading":"Investigation & Evaluation (Code-Excl04)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-4"},{"clause":"7.1.5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-5"},{"clause":"7.1.6","heading":"Obesity/ Weight Control (Code-Excl06)","page":28,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-6"},{"clause":"7.1.7","heading":"Change-of-Gender treatments (Code-Excl07)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-7"},{"clause":"7.1.8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-8"},{"clause":"7.1.9","heading":"Hazardous or Adventure sports (Code-Excl09)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-9"},{"clause":"7.1.10","heading":"Breach of law (Code-Excl10)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-10"},{"clause":"7.1.11","heading":"Excluded Providers (Code-Excl11)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-11"},{"clause":"7.1.12","heading":null,"page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-12"},{"clause":"Excl12","heading":null,"page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-excl12"},{"clause":"7.1.13","heading":null,"page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-13"},{"clause":"7.1.14","heading":null,"page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-14"},{"clause":"7.1.15","heading":"Refractive Error (Code-Excl15)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-15"},{"clause":"7.1.16","heading":"Unproven Treatments (Code-Excl16)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-16"},{"clause":"7.1.17","heading":"Sterility and Infertility (Code-Excl17)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-17"},{"clause":"7.1.18","heading":"Maternity (Code-Excl18)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-1-18"},{"clause":"7.2.5","heading":"External Congenital Anomaly","page":31,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-5"},{"clause":"7.2.6","heading":"Dental/oral treatment","page":31,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-6"},{"clause":"7.2.7","heading":"Hormone Replacement Therapy","page":31,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-7"},{"clause":"7.2.11","heading":"Sleep disorders","page":31,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-11"},{"clause":"7.2.18","heading":null,"page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-18"},{"clause":"7.2.19","heading":null,"page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-19"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 7 days’ written notice. Except where a claim has been admitted or lodged or a benefit availed, the company refunds pro-rata premium for the unexpired policy period; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days’ written notice; pro-rata refund for unexpired period if no claim/benefit","note":null,"quote":"Except in case any claim has been admitted or has been lodged or any benefit has been availed under the Policy, the Insured may cancel this Policy by giving 7 days’ written notice and in such an event, the Company shall refund to the Insured a prorata premium for the unexpired Policy Period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured Person under the Policy.","sources":[{"clause":"13.11(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-11-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment for this insurance must be taken in India only. An optional Global Health Cover can extend specified benefits for emergency medical expenses diagnosed and incurred outside India.","display":"India only; optional Global Health Cover for emergency treatment outside India","note":"Global Health Cover is optional and subject to its own terms, exclusions and 10% co-payment.","quote":"All medical treatment for the purpose of this insurance will have to be taken in India only. ... On availing this cover, In-patient Care (Section 3.1), Day Care Treatment (Section 3.4), Living Organ Donor Transplant (Section 3.5), Technological Advancements and Treatment (Section 3.11) shall be extended for Emergency Medical Expenses which are diagnosed and incurred outside India.","sources":[{"clause":"13.8","heading":"Territorial Limit","page":36,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-8"},{"clause":"4.2","heading":"Global Health Cover (Emergency Treatment Only)","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-4-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable at inception of the policy and not on renewals or at the time of porting.","quote":"The insured shall be allowed a period of thirty days from the date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"13.18","heading":"Free Look Period","page":39,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-18"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"Monthly instalment premium option has a 15-day grace period; multi-year/yearly, half-yearly and quarterly have 30 days.","quote":"Options | Instalment Premium Option | Grace period applicable\nOption 1 | Multi-Year / Yearly | 30 days\nOption 2 | Half-yearly | 30 days\nOption 3 | Quarterly | 30 days\nOption 4 | Monthly | 15 days","sources":[{"clause":"13.23","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-23"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The principal beneficiary entry age starts from 18 years. Dependent children can enter from 3 months to 25 years; no maximum adult entry age is stated in the cited eligibility clause.","display":"Principal beneficiary: from 18 years; dependent children: 3 months to 25 years","note":"From the prospectus; the policy wording did not state the entry-age range.","quote":"The entry ages for the principal beneficiary of Certificate of Insurance is from 18 years (last birthday). The range of entry ages for dependent children are from 3 months to 25 years.","sources":[{"clause":"2","heading":"WHO CAN AVAIL BENEFITS OF THIS POLICY","page":1,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12804#c-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Multi-Year / Yearly","Half-yearly","Quarterly","Monthly"],"display":"Multi-Year / Yearly, Half-yearly, Quarterly, Monthly","note":null,"quote":"Options | Instalment Premium Option | Grace period applicable\nOption 1 | Multi-Year / Yearly | 30 days\nOption 2 | Half-yearly | 30 days\nOption 3 | Quarterly | 30 days\nOption 4 | Monthly | 15 days","sources":[{"clause":"13.23","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-23"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Deferred Initial Health Check-up / Examination","Global Health Cover (Emergency Treatment Only)","AccumulatePlus","Revive","Access to Other Provider Network","Enhance Post- Hospitalization Expenses","Non-Medical Expenses Cover","Personal Accident"],"display":"Deferred Initial Health Check-up / Examination, Global Health Cover, AccumulatePlus, Revive, Access to Other Provider Network, Enhance Post-Hospitalization Expenses, Non-Medical Expenses Cover and Personal Accident","note":"Some benefits are in-built or not covered depending on the plan, as shown in Annexure 1.","quote":"1 | Deferred Initial Health Check-up / Examination | Optional Must select Yes / No ... 2 | Global Health Cover (Emergency Treatment Only) | Optional covered under Base Sum Insured or INR 1 Crore, whichever is lesser (Basis option selected) ... 3 | AccumulatePlus | Optional If yes, 50% of Base Sum Insured, maximum upto 100% / 50% of Base Sum Insured, maximum upto 200% / 50% of Base Sum Insured, maximum upto 400% (Basis option selected) ... 4 | Revive | Optional Yes / No If yes, Once / Twice / Unlimited (Basis option selected) ... 5 | Access to Other Provider Network | Not Covered | Covered ... 6 | Enhance Post- Hospitalization Expenses | Preferred Provider Network – Covered Verified Provider Network – Covered Other Provider Network and Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – Covered ... 7 | Non-Medical Expenses Cover | Preferred Provider Network – Covered Verified Provider Network – Covered Other Provider Network and Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – Covered ... 1 | Personal Accident | Optional If Yes, covered upto Base Sum Insured or INR 1 Crore whichever is lesser","sources":[{"clause":"Row 1","heading":"Deferred Initial Health Check-up / Examination","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-1-7"},{"clause":"Row 2","heading":"Global Health Cover (Emergency Treatment Only)","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-2-7"},{"clause":"Row 3","heading":"AccumulatePlus","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-3-4"},{"clause":"Row 4","heading":"Revive","page":55,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-4-4"},{"clause":"Row 5","heading":"Access to Other Provider Network","page":55,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-5-3"},{"clause":"Row 6","heading":"Enhance Post- Hospitalization Expenses","page":55,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-6-2"},{"clause":"Row 7","heading":"Non-Medical Expenses Cover","page":55,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-7-2"},{"clause":"Row 1","heading":"Personal Accident","page":55,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-1-8"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is available during the grace period if premium is paid in instalments. The renewal clause also says coverage shall be available during the Grace Period.","display":"Coverage available during the grace period","note":null,"quote":"2 If Premium is paid in instalments, then coverage will be available during the grace period. ... Coverage shall be available during the Grace Period.","sources":[{"clause":"13.23","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-23"},{"clause":"13.15","heading":"Renewal of Policy","page":39,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-13-15"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"At Preferred Provider Network and Verified Provider Network, room rent is at actuals for any room category. At Other Provider Network and eligible Non-Network Provider cases, cover is restricted to base private room.","display":"Preferred/Verified Provider Network: at actuals; Other/eligible Non-Network: base private room","note":"Plan 1 has no planned access to Other Provider Network unless emergency/other eligible cases apply; Plan 2 includes Other Provider Network.","quote":"3 | Room Rent Type and Limit | Preferred Provider Network – at actuals Verified Provider Network – at actuals Beyond Preferred and Verified Provider Network including Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – base private room | Preferred Provider Network – at actuals Verified Provider Network – at actuals Other Provider Network – base private room Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – base private room","sources":[{"clause":"Row 3","heading":"Room Rent Type and Limit","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-3-3"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Any room category is allowed at Preferred Provider Network and Verified Provider Network subject to availability at actuals. At Other Provider Network and eligible Non-Network Provider cases, the allowed category is Private Room or base private room.","display":"Any room category at Preferred/Verified; Private Room/base private room at Other/eligible Non-Network","note":null,"quote":"a) any Room Category subject to availability at actuals at Preferred Provider Network and Verified Provider Network listed in Annexure 2A and 2B respectively ... b) Private Room (as defined in Section 2.2.23) at Other Provider Network listed in Annexure 2C, if the optional cover “Access to Other Provider Network” is opted or in-built with any Plan ... c) Private Room (as defined in Section 2.2.23) at Non-Network Provider, for eligible and admissible cases","sources":[{"clause":"3.1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-a-2"},{"clause":"3.1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-b-2"},{"clause":"3.1(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-c"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Intensive / Critical Care Unit Charges are covered as part of inpatient medical expenses; no separate ICU per-day sub-limit is stated.","display":"Covered under inpatient care; no separate ICU limit stated","note":null,"quote":"The Medical Expenses incurred are Reasonable and Customary Charges for one or more of the following: ... ix. Intensive / Critical Care Unit Charges;","sources":[{"clause":"3.1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-b"},{"clause":"3.1(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-c"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured uses a higher category room than the Private Room at Other Provider Network or eligible Non-network Provider cases, the insurer pays only a pro-rated portion of associated medical expenses in proportion to the difference between Private Room rent and the availed room. Proportionate deduction does not apply where the hospital does not follow differential billing or to expenses not differentially billed by room category.","display":"Yes, for higher-than-Private Room at Other/eligible Non-Network providers; not where differential billing is not used","note":null,"quote":"If the Insured Person chooses to get admitted in higher category room other than the Private Room at Other Provider Network ... We shall be liable to pay only a pro-rated portion of the total Associated Medical Expenses (including surcharges or taxes thereon) in the proportion of the difference between the Room Rent for Private Room (Section 2.2.23) and the availed category of room. ... Proportionate deductions shall not be applicable for hospitals which do not follow differential billing or for those expenses in respect of which differential billing is not adopted based on the room category.","sources":[{"clause":"3.1(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-c"},{"clause":"3.1(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-d"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"There is no co-payment for all types of benefits except specified non-intimation scenarios. Non-intimation co-pay is 30% for certain planned Other Provider/Non-Network cases without 48-hour intimation, 15% for certain emergency Other Provider/Non-Network cases without 24-hour intimation, and for the Access to Other Provider Network optional cover/in-built plan, 20% for planned and 10% for emergency Other Provider Network non-intimation.","display":"No co-pay except non-intimation co-pay of 30%, 15%, 20% or 10% in specified provider/intimation cases","note":null,"quote":"For all types of benefits and its coverage under this policy, there is no Co-Payment applicable to the Insured Person, except for the below mentioned scenario: ... A Co-payment of 30% shall be applicable ... does not intimate Us 48 hours prior to the time of admission. ... A Co-payment of 15% shall be applicable ... does not intimate Us within 24 hours from the time of admission. ... a co-payment of 20% shall be applicable ... does not intimate Us 48 hours prior to the time of planned admission and co-payment of 10% shall be applicable the if the Insured Person seeking coverage at Other Provider Network as listed in Annexure 2 and does not intimate Us 24 hours from the time of admission for emergency cases.","sources":[{"clause":null,"heading":"Co-payment","page":25,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-co-payment"},{"clause":"6(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-6-a"},{"clause":"6(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-6-b"},{"clause":"6(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-6-c"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Aggregate Deductible options are Nil, INR 25,000, INR 50,000, INR 1,00,000, INR 2,00,000, INR 3,00,000, INR 4,00,000 and INR 5,00,000. The insured bears the aggregate deductible once during each policy year before the insurer’s liability starts for that policy year.","display":"Aggregate deductible: Nil / INR 25,000 / INR 50,000 / INR 1,00,000 / INR 2,00,000 / INR 3,00,000 / INR 4,00,000 / INR 5,00,000","note":"Aggregate Deductible is on an annual aggregate basis and can be opted only at inception or renewal.","quote":"The Insured Person shall bear an amount equal to the Aggregate Deductible specified on Policy Schedule for all admissible claims made by the Insured Person and assessed by the Company in a Policy Year. The liability of the Company to pay the admissible claim under that Policy Year will commence only once the specified Aggregate Deductible has been exhausted. ... 2 | Aggregate Deductible (INR) | Nil / INR 25,000 / INR 50,000 / INR 1,00,000 / INR 2,00,000 / INR 3,00,000 / INR 4,00,000 / INR 5,00,000 (Basis option selected)","sources":[{"clause":"3.16","heading":"Aggregate Deductible","page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-16"},{"clause":"Row 2","heading":"Aggregate Deductible (INR)","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-2-6"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["In-patient Hospitalization of Surrogate Mother: maximum of INR 5 Lacs","In-patient Hospitalization of Oocyte Donor: maximum of INR 5 Lacs"],"display":"Surrogate Mother hospitalization: INR 5 Lacs; Oocyte Donor hospitalization: INR 5 Lacs","note":null,"quote":"18 | In-patient Hospitalization of Surrogate Mother | Upto 36 months post successful surrogacy procedure, only available with 3-year policy for maximum of INR 5 Lacs | Upto 36 months post successful surrogacy procedure, only available with 3-year policy for maximum of INR 5 Lacs ... 19 | In-patient Hospitalization of Oocyte Donor | Upto 12 months post successful oocyte retrieval procedure for maximum of INR 5 Lacs | Upto 12 months post successful oocyte retrieval procedure for maximum of INR 5 Lacs","sources":[{"clause":"Row 18","heading":"In-patient Hospitalization of Surrogate Mother","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-18"},{"clause":"Row 19","heading":"In-patient Hospitalization of Oocyte Donor","page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-19"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Pre-hospitalization expenses are on reimbursement basis only and must relate to an accepted claim.","quote":"We will not be liable to pay Pre-hospitalization Medical Expenses for more than 60 days immediately preceding the Insured Person's admission for Inpatient Care/ Day Care Treatment/ Alternative Treatments/ Technological Advancement and Treatments/ Living Organ Donor Transplant","sources":[{"clause":"3.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-2-b"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":180},"display":"180 days","note":"Plan 2 shows Other Provider Network at 90 days. Section 3.3 wording says 90 days generally, while Annexure 1 shows 180 days for most plan/provider combinations.","quote":"5 | Post-hospitalization Expenses | Preferred Provider Network – 180 days Verified Provider Network – 180 days Beyond Preferred and Verified Provider Network including Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – 180 days | Preferred Provider Network – 180 days Verified Provider Network – 180 days Other Provider Network – 90 days Non-Network Provider for eligible and admissible cases basis Section 5 (a), (b), (c) and (d) – 180 days","sources":[{"clause":"Row 5","heading":"Post-hospitalization Expenses","page":53,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-row-5-2"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatment is covered for any procedure undertaken as day care treatment; all day care treatments listed in Annexure 3 are covered, but not limited to that list. OPD treatment and diagnostic services are not covered under this benefit.","display":"Covered; all listed in Annexure 3, but not limited to the list","note":null,"quote":"The Medical Expenses incurred are Reasonable and Customary Charges for any procedure where such procedure is undertaken by an Insured Person as Day Care Treatment. ... We will not cover any OPD Treatment and Diagnostic Services under this Benefit. ... All Day Care Treatment as listed out in, but not limited to, Annexure 3 are covered under this benefit.","sources":[{"clause":"3.3(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-3-b-2"},{"clause":"3.3(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-3-c-2"},{"clause":"3.3(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-3-d-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalization is covered for medical expenses during the policy year when prescribed in writing by the treating medical practitioner at Preferred Provider Network only, if the insured cannot be removed/admitted to a hospital or treatment is taken at home due to non-availability of room in a hospital.","display":"Covered at Preferred Provider Network only when the patient cannot be moved/admitted or no hospital room is available","note":"The policy lists excluded conditions for domiciliary hospitalization, including asthma/bronchitis/tonsillitis/URTI, arthritis/gout/rheumatism, spine/disc ailments, chronic nephritis, liver disease, peptic ulcer, diarrhoea/dysentery/gastroenteritis, diabetes, epilepsy, hypertension and pyrexia.","quote":"The Company shall indemnify the Medical Expenses incurred during the Policy Year on Domiciliary Hospitalization of the Insured Person prescribed in writing by treating Medical Practitioner at Preferred Provider Network only as listed in Annexure 2A, provided that:\na) the condition of the Insured Person is such that he/she could not be removed/admitted to a Hospital. or,\nb) the Medically Necessary Treatment is taken at Home on account of non-availability of room in a Hospital.","sources":[{"clause":"3.8","heading":"Domiciliary Hospitalization","page":12,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-8"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Hospitalization for inpatient treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy is covered if taken in a recognized AYUSH Hospital.","display":"Covered up to Sum Insured in a recognized AYUSH Hospital","note":null,"quote":"We will indemnify the Medical Expenses incurred on the Insured Person's Hospitalization for Inpatient Care during the Policy Period on treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy. Conditions:\na) The treatment should be taken in a recognized AYUSH Hospital.","sources":[{"clause":"3.10","heading":"Alternative Treatments","page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-10"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"The policy covers listed technological advancements either as inpatient care or day care treatment, including Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation, Oral chemotherapy, Immunotherapy monoclonal antibody injection, intra vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporisation, IONM and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions.","display":"Covered as inpatient or day care, including robotic surgeries, oral chemotherapy, immunotherapy and listed modern treatments","note":null,"quote":"The following procedures / treatments will be covered either as Inpatient Care or as part of Day Care Treatment as per Section 3.1 or Section 3.4 respectively:\ni) Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\nii) Balloon Sinuplasty\niii) Deep Brain stimulation\niv) Oral chemotherapy\nv) Immunotherapy- Monoclonal Antibody to be given as injection\nvi) Intra vitreal injections\nvii) Robotic surgeries\nviii) Stereotactic radio surgeries\nix) Bronchial Thermoplasty\nx) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\nxi) IONM - (Intra Operative Neuro Monitoring)\nxii) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered","sources":[{"clause":"3.11","heading":"Technological Advancements and Treatment","page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"The policy covers medical expenses for a living organ donor’s inpatient treatment for harvesting the organ, if the donation conforms to law, the organ is for the insured person, the recipient is medically advised for transplant, and the recipient’s inpatient claim is accepted.","display":"Covered for living organ donor inpatient harvesting expenses","note":"Donor pre- and post-hospitalization, screening not during the insured's transplant hospitalization, organ transport/preservation and donor complications after harvesting are excluded.","quote":"We will indemnify the Medical Expenses incurred for a living organ donor's Inpatient treatment for the harvesting of the organ donated provided that:\na) The donation conforms to The Transplantation of Human Organs Act 1994 and amendments thereafter from time to time, and the organ is for the use of the Insured Person.\nb) The recipient Insured Person has been Medically Advised to undergo an organ transplant.\nc) We have accepted the recipient Insured Person's claim under Section 3.1 (Inpatient Care).","sources":[{"clause":"3.5","heading":"Living Organ Donor Transplant","page":11,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-5"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Domestic road ambulance charges are covered up to the amount specified in the policy schedule when required for immediate transfer by surface transport. Emergency air ambulance is covered up to the sum insured specified in the policy schedule for emergency care in India when ground transportation cannot provide immediate rapid transport and other conditions are met.","display":"Road ambulance covered up to policy schedule; emergency air ambulance covered up to Sum Insured, subject to conditions","note":null,"quote":"We will indemnify the Reasonable and Customary Charges for ambulance expenses incurred to transfer the Insured Person by surface transport provided that: ... We will cover expenses up to the amount specified in the Policy Schedule. ... The Company shall indemnify expenses incurred by the Insured Person during the Policy Year towards Ambulance transportation in an airplane or helicopter for Emergency Care which requires immediate and rapid Ambulance transportation that ground transportation cannot provide ... The claim is subject to a maximum of Sum Insured as specified in the Policy Schedule against this Cover","sources":[{"clause":"3.6","heading":"Domestic Road Ambulance Charges","page":11,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-6"},{"clause":"3.6(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-6-e"},{"clause":"3.7","heading":"Emergency Air Ambulance Charges","page":12,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-7"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Revive is an optional benefit. On complete or partial utilization of the Base Sum Insured by an admitted claim, the company restores up to the Base Sum Insured for subsequent admissible base-benefit claims; it can be triggered unlimited times each policy year, and unused restored amount is not carried forward.","display":"Optional Revive: restores up to Base Sum Insured for subsequent claims, unlimited times per policy year","note":"Annexure 1 shows Revive as Optional Yes / No, and if yes Once / Twice / Unlimited basis option selected.","quote":"In the event of complete or partial utilization of the Base Sum Insured due to any claim admitted during the Policy Year irrespective of the utilization of the AccumulatePlus, the Company shall restore the Sum Insured up to the Base Sum Insured (as applicable under the current Policy Year) for any subsequent claims, admissible under Section 3 (Base Benefits) ... This Revive can be triggered unlimited times during each Policy Year and any unutilized amount, in whole or in part, will not be carried forward to the subsequent Policy Year.","sources":[{"clause":"4.4","heading":"Revive","page":18,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-4-4"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"AccumulatePlus is optional and gives an added sum equal to 50% of the Base Sum Insured on renewal without break, up to 100%, 200% or 400% of the Base Sum Insured, irrespective of any claims.","display":"Optional AccumulatePlus: 50% of Base Sum Insured each renewal, up to 100% / 200% / 400%, irrespective of claims","note":"Available only if specified in the policy schedule and renewed/paid within the grace period.","quote":"On Renewal of this Policy with the Company without a break, a sum equal to 50% of the Base Sum Insured, till 100% / 200% / 400% of the Base Sum Insured, of the expiring Policy shall be provided as AccumulatePlus irrespective of any claims","sources":[{"clause":"4.3","heading":"AccumulatePlus","page":18,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-4-3"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Consumables are listed under inpatient medical expenses, but List-I non-medical expenses are not covered unless the Non-Medical Expenses Cover optional cover is opted or in-built with the plan at the specified network provider.","display":"Consumables covered under inpatient expenses; List-I non-medical expenses covered only if Non-Medical Expenses Cover is opted or in-built","note":null,"quote":"vi. Intravenous fluids, blood transfusion, injection administration charges, consumables and/or enteral feedings; ... List of expenses that are to be subsumed into room charges, or procedure charges or costs of treatment are placed under List-II, List-III and List-IV of Annexure 5, while coverage for List-I shall only be provided if the Optional Cover “Non-medical Expenses Cover”, as described in Section 4.8, is opted at select Provider Network or is in-built with any Plan. ... If this benefit is opted or in-built with any Plan, we will provide the Insured Person with coverage of expenses pertaining to List-I of Annexure 5 in case of admissible claims, which is otherwise not covered.","sources":[{"clause":"3.1(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-1-c"},{"clause":"3.12","heading":null,"page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-12"},{"clause":"4.8","heading":"Non-Medical Expenses Cover","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-4-8"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Expenses incurred on delivery of the newborn, whether normal delivery or caesarean section, are excluded under the surrogate mother and oocyte donor benefits. No newborn baby cover is stated.","display":"No newborn delivery cover stated; newborn delivery expenses are excluded","note":null,"quote":"Any expenses incurred on delivery of the newborn (either via normal delivery or caesarean section) are excluded from the scope of this cover ... Any expenses incurred on delivery of the new born (either via normal delivery or caesarean section) are excluded from the scope of this cover","sources":[{"clause":"3.14","heading":"In-patient Hospitalisation for Surrogate Mother","page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-14"},{"clause":"3.15","heading":"In-patient Hospitalisation for Oocyte Donor","page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-15"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Insured persons aged 18 years or above are eligible for one annual defined health checkup package in that policy year at network hospitals and network clinics at no additional cost. Unused health checkup cannot be carried forward.","display":"One annual Base Package for insured persons aged 18 years or above","note":"Any unutilized Health checkup cannot be carried forward to the next Policy Year.","quote":"The Insured Person is eligible for an annual health checkup – defined package as detailed in Annexure 6, at any of our Network Hospital and Network clinics as listed out in Annexure 4 at no additional cost provided that: ... The Insured Person is aged 18 years or above on the commencement of that Policy Year. ... Insured Person is only eligible for one health checkup – “Base Package” - within that Policy Year.","sources":[{"clause":"3.9","heading":"Health Checkup","page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-9"},{"clause":"3.9(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-9-a"},{"clause":"3.9(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-3-9-c"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD expenses are excluded except for Value Added Services. Value Added Services provide discretionary discounts on OPD consultation, pharmacy, lab tests and diagnostics, health checkups and other healthcare services at listed network clinics and network hospitals.","display":"OPD not reimbursed except Value Added Services discounts","note":null,"quote":"Any expenses incurred on Out Patient treatment, except Value Added Services (Section 8). ... We will provide the Insured Person with discretionary discounts on below Out-patient services at Network Clinics and Network Hospitals listed out in Annexure 4 upon discretion of the service provider ... a) Out-patient consultation with General Physician and Specialist Doctor\nb) Pharmacy\nc) Lab tests and diagnostics\nd) Health checkups\ne) Other healthcare services like dermatology procedure, physiotherapy, etc.","sources":[{"clause":"7.2.19","heading":null,"page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-7-2-19"},{"clause":"8","heading":"Value Added Services","page":32,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-8"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless admission facility is available at listed Preferred and Verified Provider Networks. It is also available at Other Provider Network only if Access to Other Provider Network is opted or in-built with a plan, and may be extended for eligible non-network cases subject to stated procedures and the provider agreeing in emergency cases.","display":"Cashless at Preferred/Verified networks; Other Provider Network if opted/in-built; eligible Non-Network cases subject to conditions","note":null,"quote":"Cashless admission facility shall be extended to the Insured Person in case of admission at the listed Preferred and Verified Provider Network in Annexure 2 for the coverage as defined under the Benefits in this document. ... Cashless admission facility shall be extended to the Insured Person in case of admission at the listed Other Provider Network (only applicable if “Access to Other Provider Network” optional cover is opted or in-built with any Plan) in Annexure 2 ... Cashless admission facility shall be extended to the Insured Person in case of planned admissions in such cases. ... We shall extend the cashless facility in such cases subject to the concerned healthcare provider agreeing to such arrangements.","sources":[{"clause":"10.1","heading":"For treatment at Network Provider – Preferred and Verified Provider Network","page":33,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-1"},{"clause":"10.2","heading":"For treatment at Network Provider","page":33,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-2"},{"clause":"Section 5","heading":"(b) & 5(d)","page":33,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-section-5"},{"clause":"10.4","heading":null,"page":34,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-4"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claim notice is to be sent to the Company/TPA, if applicable.","display":"Company/TPA (if applicable)","note":null,"quote":"Notice with full particulars shall be sent to the Company/TPA (if applicable) as under:","sources":[{"clause":"10.5","heading":"Procedure for reimbursement of claim","page":34,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-10-5"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater Policy available","note":null,"quote":"Family Floater Policy means a Policy described as such in the Policy Schedule where the family members (two or more) named in the Policy Schedule are insured under this Policy. ... In case of Family Floater Policy, Sum Insured means the Sum Insured is shared amongst the primary insured and his/her family members who are covered under the policy.","sources":[{"clause":"2.2.8","heading":"Family Floater Policy","page":6,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-2-2-8"},{"clause":"2.2.28","heading":"Sum Insured: In case of Individual Policy, Sum Insured","page":7,"url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806#c-2-2-28"}],"law":[]}],"documents":[{"kind":"wording","label":"Arya Health Insurance Policy Wording","pages":78,"fetched_at":"2026-10-17 19:47:09+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_v2_Policy_wording_a92192151c.pdf?sv=2025-05-05&spr=https&st=2026-09-10T09%3A08%3A31Z&se=2036-09-07T09%3A08%3A31Z&sr=b&sp=r&sig=PbEFhhy0T%2Feiz9ric9QBNYjKqeSGKaDPmt4RWRBFAeE%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12806"},{"kind":"prospectus","label":"Arya Health Insurance Prospectus","pages":71,"fetched_at":"2026-10-17 19:47:06+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_v2_Prospectus_f25b5a2cec.pdf?sv=2025-05-05&spr=https&st=2026-09-10T09%3A08%3A32Z&se=2036-09-07T09%3A08%3A32Z&sr=b&sp=r&sig=yZkgidrQOurM0UfCMjst%2FyLR88FrcINj6gWvHFLC8Ns%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12804"},{"kind":"cis","label":"Arya Health Insurance Customer Information Sheet","pages":12,"fetched_at":"2026-10-17 19:47:10+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_v2_CIS_02d20600f4.pdf?sv=2025-05-05&spr=https&st=2026-09-10T09%3A08%3A26Z&se=2036-09-07T09%3A08%3A26Z&sr=b&sp=r&sig=GtJUQ2A3PgKHGtFz2iA%2FbhjoNS1tWApxhfgd%2FYaBVqU%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12803"},{"kind":"brochure","label":"Arya brochure A5 web","pages":8,"fetched_at":"2026-10-17 19:47:15+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_brochure_A5_web_55e6baedb7.pdf?sv=2025-05-05&spr=https&st=2026-02-25T19%3A13%3A42Z&se=2036-02-23T19%3A13%3A42Z&sr=b&sp=r&sig=ZLcM%2Ffli6UKuSx1zPadld2%2FAZ2SI6dI%2Bd%2Fx6zxjl2WY%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/12807"},{"kind":"premium","label":"Arya Health Insurance Premium Illustration","pages":null,"fetched_at":"2026-10-17 19:47:05+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_Premium_Illustration_2c02f48a32.pdf?sv=2025-05-05&spr=https&st=2026-09-10T09%3A08%3A27Z&se=2036-09-07T09%3A08%3A27Z&sr=b&sp=r&sig=DCe3idyXFuP33hDP7YFKcUfGx%2BzqEY85A6dtUW%2BOjYE%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/30354"},{"kind":"proposal","label":"Arya Health Insurance Proposal Form","pages":null,"fetched_at":"2026-10-17 19:47:08+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_proposal_form_f58d7518f8.pdf?sv=2025-05-05&spr=https&st=2026-09-10T11%3A02%3A32Z&se=2036-09-07T11%3A02%3A32Z&sr=b&sp=r&sig=bzBk%2FvzaqKLGFLJQwFW%2FkkJZV4E4MNasH3gTi2J%2BKYI%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627/document/30355"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Narayana Health Insurance official website","url":"https://www.narayanahealth.insurance/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Cashless claim","url":"https://www.narayanahealth.insurance/cashless-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Reimbursement claim","url":"https://www.narayanahealth.insurance/reimbursement-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.narayanahealth.insurance/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Arya Health Insurance (UIN NHIHLIP27047V022627), IndiaInsurances, https://indiainsurances.com/policy/narayana-health-insurance/arya-health-insurance-nhihlip27047v022627"}