{"uin":"NHIHLIP27049V072627","name":"Narayana Aditi","url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627","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":"Narayana Aditi is a health insurance indemnity policy with plan variants Plan 1, Plan 2, Plus, Prime, Aadi and Aadi Plus. It offers base hospitalization sum insured options from INR 5 Lac to INR 1 Crore, policy tenure choices of 1, 2 or 3 years, and medical treatment in India unless a specific benefit says otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:52:41.029549+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","Plan 2","Plus","Prime","Aadi","Aadi Plus"],"display":"Plan 1, Plan 2, Plus, Prime, Aadi and Aadi Plus","note":null,"quote":"Plan 1 | Plan 2 | Plus | Prime | Aadi | Aadi Plus","sources":[{"clause":null,"heading":"PRODUCT","page":56,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-product"}],"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) | 1 year / 2 years / 3 years (basis option selection) | 1 year / 2 years / 3 years (basis option selection) | 1 year / 2 years / 3 years (basis option selection) | 1 year / 2 years / 3 years (basis option selection)","sources":[{"clause":null,"heading":"PRODUCT","page":56,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-product"}],"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 emergency hospitalization 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":"For Other Provider Network and eligible non-network cases, the wording also states 48-hours prior intimation for planned admissions and intimation within 24-hours for emergency admission to avoid non-intimation co-payment.","quote":"Notice with full particulars shall be sent to the Company/TPA (if applicable) as under:\ni) 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":null,"heading":"Prescribed Time limit for submission of necessary","page":37,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-prescribed-time-limit-for-submission-of-necessar"}],"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), wherever available","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","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim"],"display":"Claim form, patient photo ID, admission prescription, original itemized bills, receipts, discharge summary, diagnostic reports, OT notes/surgeon certificate, implant sticker/invoice, MLR/FIR if applicable, NEFT and cancelled cheque, proposer KYC, legal heir/succession certificate if 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), wherever available\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\nxiii) Legal heir/succession certificate, wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim","sources":[{"clause":null,"heading":"Prescribed Time limit for submission of necessary","page":37,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-prescribed-time-limit-for-submission-of-necessar"}],"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 shall 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":"Settle or reject within 15 days from receipt of intimation","note":"If payment is delayed, the policy says interest is payable from receipt of intimation to payment at 2% above the bank rate.","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":"12.1","heading":null,"page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-12-1"},{"clause":null,"heading":"Prescribed Time limit for submission of necessary","page":37,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-prescribed-time-limit-for-submission-of-necessar"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 contact Customer Support by phone or email. If unresolved, email grievance@narayanahealth.insurance, then write to the Grievance Redressal Officer at gro@narayanahealth.insurance before using Bima Bharosa or approaching the Insurance Ombudsman.","display":"Customer Support → grievance@narayanahealth.insurance → Grievance Redressal Officer at gro@narayanahealth.insurance → Bima Bharosa or Insurance Ombudsman","note":"Senior citizens are given separate priority assistance contact details in Step 1.","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.\nStep 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":"14.24","heading":"Redressal of Grievance","page":44,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-24"}],"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 are INR 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac and 1 Crore, but the options differ by plan. Plan 1 offers INR 5 Lac / 10 Lac / INR 1 Crore; Plan 2 offers INR 5 Lac / 1 Crore; Plus and Prime offer all listed options; Aadi and Aadi Plus offer INR 5 Lacs.","display":"INR 5 Lac / 10 Lac / 15 Lac / 20 Lac / 25 Lac / 50 Lac / 1 Crore, depending on plan","note":"Non-Surgery or Non-surgical Procedure sub-limit options also vary by plan.","quote":"Base Sum Insured (in INR) for hospitalization indemnity coverage | INR 5 Lac / 10 Lac / INR 1 Crore | INR 5 Lac / 1 Crore | INR 5 Lac / 10 Lac / 15 Lac / 20 Lac / 25 Lac / 50 Lac / 1 Crore | INR 5 Lac / 10 Lac / 15 Lac / 20 Lac / 25 Lac / 50 Lac / 1 Crore | INR 5 Lacs | INR 5 Lacs","sources":[{"clause":null,"heading":"PRODUCT","page":56,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-product"}],"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":"For certain health-check options and underwriting outcomes, the 30-Day Waiting Period may become nil or not applicable unless mentioned in the Policy Schedule.","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. ... 30-Day Waiting Period (Excl-03) shall be subject to change from 30 days to nil, or remain the same as 30 days, as an outcome of health checkup / examination post Policy Issuance as determined by the Underwriting Policy. ... 30-Day Waiting Period (Excl-03) shall not be applicable for the Insured Person, unless it is mentioned in the Policy Schedule.","sources":[{"clause":"8.1.3","heading":"30-day waiting period (Code-Excl03)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-8-1-3"},{"clause":"4.1(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-1-c-2"},{"clause":"4.1(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-1-c-3"}],"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":"Under health checkup / medical examination outcomes, pre-existing disease exclusions may range from 0 year to a maximum of 3 years.","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. ... there may be exclusions concerning Pre-existing diseases for the Insured Person ranging from 0 year to a maximum of 3 years based on risk as determined by the Underwriting Policy.","sources":[{"clause":"8.1.1","heading":"Pre-existing Disease (Code-Excl01)","page":29,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-8-1-1"},{"clause":"4.1(a)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-1-a-ii"}],"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":"The waiting period may change to 12 months or nil, or be not applicable, depending on health checkup option and underwriting outcome; if a condition is a pre-existing disease, the longer waiting period applies.","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. ... Specific Disease / Procedure Waiting Period (Excl-02) shall be subject to change from 24 months to 12 months or nil, or remain the same as 24 months, as an outcome of health checkup / examination post Policy Issuance as determined by the Underwriting Policy. ... Specific Disease / Procedure Waiting Period (Excl-02) shall not be applicable for the Insured Person, and coverage on listed Specific Disease / Procedure shall begin from the Policy Commencement Date, unless it is mentioned in the Policy Schedule or identified as Pre-existing Disease.","sources":[{"clause":"8.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-8-1-2"},{"clause":"4.1(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-1-b-2"},{"clause":"4.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-1-b-3"}],"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 procedures include pancreatitis, gall bladder disease, cirrhosis, cataract, arthritis, urogenital calculus, GERD, piles/fissure/fistula, prostate hyperplasia, benign tumours, PCOD, sinusitis/rhinitis, tonsillitis, hernia, D&C, varicose vein surgery and prostate surgery.","note":null,"quote":"List of specific diseases/procedures is provided below:\nIllnesses\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":"8.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":30,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-8-1-2"}],"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":"The policy wording also says Five continuous years applies from the date of enhancement for enhanced sums insured.","quote":"After completion of Five continuous years under this policy no look back would be applied. ... This period of Five years is called the moratorium period. ... After the expiry of the Moratorium Period no claim under this policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"10","heading":"Moratorium Period","page":35,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-10"}],"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 may port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits in waiting periods are carried, and Pre-existing Diseases Excl01 and Specific Disease Procedure Waiting Period Excl02 are reduced by continuous preceding years of coverage.","display":"Yes, port to another insurer with accrued waiting-period credits","note":"Portability benefit is offered to the extent of previous sum insured and accrued bonus as part of the base sum insured, and not to any other additional increased sum insured.","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 8.1.1), Specific Disease Procedure Waiting Period\nExcl02 (Section 8.1.2) shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":"14.14","heading":"Portability","page":41,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-14"},{"clause":"14.14(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-14-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":"The policy states renewal conditions, but does not state lifelong renewal or that there is no maximum renewal age.","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":"The documents do not state whether premium can be loaded at renewal because a claim was made.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The insured may cancel by giving 7 days’ written notice. If no claim has been admitted or lodged and no 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; no refund if a claim is admitted or lodged or benefit availed","note":"For policies paid by instalment, if there is an admissible claim, future instalment for the current policy year will be adjusted in the claim amount and no premium refund applies during that policy year.","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":"14.11(a)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-11-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":"All medical treatment for this insurance must be taken in India only. The schedule of benefits also states geographical coverage is India only unless otherwise specified for specific benefits.","display":"India only, unless otherwise specified for specific benefits","note":"Global Health Cover is an optional cover for emergency medical expenses diagnosed and incurred outside India.","quote":"All medical treatment for the purpose of this insurance will have to be taken in India only. ... Geographical Coverage | India only, unless other specified otherwise for Specific Benefit(s) | India only, unless other specified otherwise for Specific Benefit(s) | India only, unless other specified otherwise for Specific Benefit(s) | India only, unless other specified otherwise for Specific Benefit(s) | India only, unless other specified otherwise for Specific Benefit(s) | India only, unless other specified otherwise for Specific Benefit(s)","sources":[{"clause":"14.8","heading":"Territorial Limit","page":39,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-8"},{"clause":null,"heading":"PRODUCT","page":56,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-product"}],"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":"Free look applies at policy inception 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":"14.18","heading":"Free Look Period","page":42,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-18"}],"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":"For monthly premium mode the grace period is 15 days; for multi-year/yearly, half-yearly and quarterly it is 30 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... 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":"2.1.19","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-2-1-19"},{"clause":"14.23","heading":"Premium Payment in Instalments","page":43,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-23"}],"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 is from 18 years. Dependent children can enter from 3 months to 25 years; the documents do not state an upper entry age for adults.","display":"Principal: from 18 years; dependent children: 3 months to 25 years","note":"Adult maximum entry age is not stated in the cited eligibility clause.","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(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12801#c-2-c"}],"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 and Monthly","note":null,"quote":"If the Insured Person has opted for payment of Premium on an instalment basis i.e. Yearly, Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule ... 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":"14.23","heading":"Premium Payment in Instalments","page":43,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-23"}],"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":["Domiciliary Hospitalization","Global Health Cover (Emergency Only)","Room Category Modification Option","Non-medical expenses cover","Emergency Air Ambulance","AccumulatePlus","Revive","Daily Deductible","Enhance Access to Provider Network","Personal Accident","Dependent Child Education Benefit","Repatriation of Mortal Remains","Funeral Expenses","Hospital Daily Cash","Waiver of aggregate deductible"],"display":"Optional covers include domiciliary hospitalization, global emergency cover, room category modification, non-medical expenses cover, emergency air ambulance, AccumulatePlus, Revive, daily deductible, enhanced provider access, personal accident, child education, repatriation, funeral expenses, hospital daily cash and waiver of aggregate deductible","note":"Availability differs by plan, and some benefits are inbuilt in some plans rather than optional. The schedule says 'Covered' means inbuilt, 'Not Covered' means unavailable, and 'Optional' means it can be opted at inception or renewal.","quote":"The Covers listed below are optional covers. An optional cover is applicable to an Insured Person only if it is specified in the Policy Schedule to be in force for that Insured Person ... Domiciliary Hospitalizatio n | Optional | Optional ... Global Health Cover (Emergency Only) | Not covered | Not covered | Optional | Optional ... Room Category Modification Option | Optional: Semi-Private Room, Private Room ... Emergency Air Ambulance | Not covered | Not covered | Not covered | Covered ... AccumulateP lus | Not covered | Not covered | Optional 25% / 50 % increment in Base Sum Insured at renewal till 100% ... Revive | Not covered | Not covered | Optional | Optional ... Daily Deductible | Optional: Nil / INR 2000 per day for all cases of admission ... Enhance Access to Provider Network | Verified Provider Network – Optional Other Provider Network - Optional ... Personal Accident | Optional Covered upto Sum Insured: INR 5 / 10 / 15 / 20 Lacs ... Dependent Child Education Benefit | Optional: covered upto INR 1Lac ... Repatriation of Mortal Remains | Optional: Covered upto Sum Insured INR 15,000 ... Hospital Daily Cash | Optional INR 500 / 1000 / 1500 / 2000 / 2500 / 5000 per day ... If this benefit is opted, We will pay an amount equal to the Sum Insured as specified in the Policy Schedule towards expenses incurred for last rites of the Insured Person ... Waiver of aggregate deductible","sources":[{"clause":"4","heading":"Optional Cover","page":14,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4"},{"clause":null,"heading":"OPTIONAL COVERS (HOSPITALIZATION)","page":57,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-optional-covers-hospitalization"},{"clause":null,"heading":"OPTIONAL BASE COVERS","page":61,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-optional-base-covers"},{"clause":"5.3","heading":"Funeral Expenses","page":25,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-5-3"},{"clause":"4.5","heading":"Waiver of aggregate deductible","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-4-5"}],"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 shall be available during the grace period under the renewal clause, and if premium is paid in instalments, coverage will be available during the grace period.","display":"Coverage shall be available during the grace period","note":"There is an internal wording note saying that for non-instalment premium payment, coverage shall not be available for the period for which no premium is received, while the renewal clause says coverage shall be available during the 30-day grace period.","quote":"At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage shall be available during the grace period. ... If Premium is paid in instalments, then coverage will be available during the grace period. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. (Note: In case of non-instalment premium payment, coverage shall not be available for the period for which no premium is received).","sources":[{"clause":"14.15","heading":"Renewal of Policy","page":42,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-15"},{"clause":"14.23","heading":"Premium Payment in Instalments","page":43,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-14-23"},{"clause":"2.1.19","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/12802#c-2-1-19"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 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19:46:59+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Aditi_Proposal_form_v7_28aa474100.pdf?sv=2025-05-05&spr=https&st=2026-10-13T16%3A06%3A40Z&se=2036-10-10T16%3A06%3A40Z&sr=b&sp=r&sig=u5GWRQ%2FwBz6Rdb6rTRFXuPYrDgMFoqI8elhPO258sjE%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627/document/30353"}],"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":"Narayana Aditi (UIN NHIHLIP27049V072627), IndiaInsurances, https://indiainsurances.com/policy/narayana-health-insurance/narayana-aditi-nhihlip27049v072627"}