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Narayana Health · NHIHLIP27048V062627

Narayana Aditi

Narayana Health Narayana Aditi (IRDAI UIN NHIHLIP27048V062627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (7 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Narayana Aditi is a health insurance plan from Narayana Health. Key specifications: plan type Individual and family floater, room rent Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network, pre-existing disease waiting 36 months.

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Plan type
Individual and family floater
Room rent
Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network
Pre-existing disease waiting
36 months

Pros

  • No co-payment on claims
  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured 100 lakh
Entry age From 18 years (principal); 3 months (dependent children) (no maximum stated)
Room rent Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network
Co-payment Zero co-payment on base benefits except non-intimation co-payment

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Optional 'Revive': reinstatement of Base Sum Insured for subsequent claim in the same Policy Year upon complete or partial utilisation
No-claim bonus Optional 'Accumulate Plus': additional SI of 25% or 50% per policy year, up to 100% of Base SI
Maternity Not covered
OPD Not covered (discretionary discounts on OPD services)

Insurer

IRDAI UIN NHIHLIP27048V062627

About the Narayana Aditi

Narayana Health Narayana Aditi (IRDAI UIN NHIHLIP27048V062627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (7 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Narayana Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
  • Entry age: From 18 years (principal); 3 months (dependent children) (no maximum stated)
  • Room rent: Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network
  • Co-payment: Zero co-payment on base benefits except non-intimation co-payment

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Optional 'Revive': reinstatement of Base Sum Insured for subsequent claim in the same Policy Year upon complete or partial utilisation
  • No-claim bonus: Optional 'Accumulate Plus': additional SI of 25% or 50% per policy year, up to 100% of Base SI
  • Maternity: Not covered
  • OPD: Not covered (discretionary discounts on OPD services)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Narayana Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

Similar plans from other insurers

Other health insurance plans from Narayana Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Narayana Aditi

All health insurance →
  • Individual and family floater Plan type
  • No limits; any room of choice; no ICU day/charge limits Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Similar cover

Similar health insurance plans

Narayana Health

Arya Health Insurance

  • Individual and family floater Plan type
  • At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Narayana Aditi

Questions

Narayana Aditi FAQs

It depends on your age, cover, city and options. Narayana Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

NHIHLIP27048V062627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network.

Co-payment as stated by the insurer: Zero co-payment on base benefits except non-intimation co-payment.

Maternity as stated by the insurer: Not covered.

60 days before and 90 days after hospitalisation.

5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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