Aditi Health Insurance Plans by Narayana Healthcare is a new plan launched by Narayana Health Insurance Ltd. Narayana Health Insurance is the new Insurance company started by Narayana Health Care Ltd a Bangluru-based Organisation.
Aditi Scheme is a comprehensive Health Insurance Plan by Narayana Health Insurance that offers a health policy that offers complete healthcare coverage to Indians. Galaxy Health Insurance Solutions is sharing the ins and outs of the policy.
Aditi Health Insurance Features
The features and USP of Aditi Health Insurance are:
Coverage
If you buy the Aditi Health Insurance Policy you will get the health insurance coverage of One Crore (1 CR) for the surgeries of major organs like the Heart, Kidney, Liver, and Lungs, even the Organ transplant cost is also covered.
Aditi health insurance also covers up to 5 Lakh Rs for medical treatment at Narayana Healthcare Network hospitals.
Up to ₹1 crore for surgeries including heart, kidney, and lung transplants, and up to ₹5 lakh for medical treatments at Narayana Health network hospitals.
Premium for Aditi Health Insurance Plans.
If you want to buy Aditi Health Insurance Policy, you must pay an annual premium of Rs10,000 for a family of four.
Eligibility
One can buy an Individual Aditi Health Insurance Policy if he or she is over 18 years old. For a family floater Maximum of 2 Adults and 4 Children can be proposed for the Aditi health insurance plan.
How much is the waiting period for pre-existing diseases in What is Aditi Health Insurance Plans?
Anybody can buy the policy irrespective of their health or medical conditions, there will not be a longer waiting period, which makes Aditi health insurance plans a special one in the health insurance industry.
Other Important Features of ANHI (Aditi Narayana Health Insurance) are:
- NHIL (Narayana Health Insurance Ltd) offers hassle-free claim settlement.
- Get the benefit of preventive health checkups.
- Policyholders will get a discount on health tests at Narayana Health Hospital network.
Aditi Narayana Health Insurance Hospital Network List
Narayana Health Insurance Network Hospital List is provided below:
| Hospital Name | Address | Location | Specialties |
|---|---|---|---|
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Ahmedabad, Gujarat 380015 | Ahmedabad | Multispecialty |
| Narayana Institute of Cardiac Sciences | 215, Adyar, Bangalore, Karnataka 560017 | Bangalore | Cardiac Sciences |
| Mazumdar Shaw Medical Centre | 1, Narayana Hospital Road, Bangalore, Karnataka 560001 | Bangalore | Multispecialty |
| MS Ramaiah Narayana Heart Centre | 1, Narayana Hospital Road, Bangalore, Karnataka 560001 | Bangalore | Cardiac Sciences |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, HSR Layout, Bangalore, Karnataka 560102 | Bangalore, HSR Layout, | Multispecialty |
| Narayana Multispeciality Clinic | 1, Narayana Hospital Road, Jayanagar, Bangalore, Karnataka 560011 | Bangalore, Jayanagar, | Multispecialty |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Whitefield, Bangalore, Karnataka 560066 | Bangalore, Whitefield, | Multispecialty |
| Narayana Medical Centre | 1, Narayana Hospital Road, Langford Town, Bangalore, Karnataka 560025 | Bangalore, Langford Town, | Multispecialty |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Barasat, Kolkata, West Bengal 700124 | Barasat, Kolkata | Multispecialty |
| NH Jindal Sanjeevani Multispeciality Hospital | 1, Narayana Hospital Road, Bellary, Karnataka 583101 | Bellary | Multispecialty |
| SS Narayana Heart Centre | 1, Narayana Hospital Road, Davengere, Karnataka 577001 | Davengere | Cardiac Sciences |
| Dharamshila Cancer Hospital and Research Centre | 2, Vasanth Vihar, New Delhi, Delhi 110005 | Delhi | Cancer Care |
| SDM Narayana Heart Centre | 1, Narayana Hospital Road, Dharwad, Karnataka 580001 | Dharwad | Cardiac Sciences |
| Health City Cayman Islands | 62, Hospital Road, Grand Cayman, Cayman Islands | Grand Cayman | Multispecialty |
| Narayana Superspeciality Hospital | 1, Narayana Hospital Road, Gurugram, Haryana 122001 | Gurugram | Multispecialty |
| Narayana Superspeciality Hospital | 1, Narayana Hospital Road, Guwahati, Assam 781001 | Guwahati | Multispecialty |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Howrah, West Bengal 711101 | Howrah | Multispecialty |
| Narayana Superspeciality Hospital | 1, Narayana Hospital Road, Howrah, West Bengal 711101 | Howrah | Multispecialty |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Jaipur, Rajasthan 302001 | Jaipur | Multispecialty |
| Shri Mata Vaishno Devi Narayana Super Speciality Hospital | 1, Narayana Hospital Road, Jammu, Jammu and Kashmir 180001 | Jammu | Multispecialty |
| Brahmananda Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Jamshedpur, Jharkhand 831001 | Jamshedpur | Multispecialty |
| RL Jalappa Narayana Heart Centre | 1, Narayana Hospital Road, Kolar, Karnataka 563101 | Kolar | Cardiac Sciences |
| Rabindranath Tagore International Institute of Cardiac Sciences | 1, Narayana Hospital Road, Kolkata, West Bengal 700001 | Kolkata | Cardiac Sciences |
| Rabindranath Tagore Surgical Centre | 1, Narayana Hospital Road, Kolkata, West Bengal 700001 | Kolkata | Surgical Care |
| SRCC Children’s Hospital | 1, Narayana Hospital Road, Mumbai, Maharashtra 400012 | Mumbai | Pediatric Care |
| Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Mysore, Karnataka 570001 | Mysore | Multispecialty |
| MMI Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Raipur, Chhattisgarh 492001 | Raipur | Multispecialty |
| Sahyadri Narayana Multispeciality Hospital | 1, Narayana Hospital Road, Shimoga, Karnataka 577201 | Shimoga | Multispecialty |
FAQ
What are the benefits of using the Aditi Health Insurance Plan at Narayana Health Hospital?
Aditi Health Insurance Plan offers comprehensive coverage at an affordable premium with no waiting period even for pre-existing diseases. The claim process is simple and policyholders get coverage primarily within the trusted Narayana Health network, where one will get experienced and specialized doctors, with advanced medical facilities.
What are the eligibility criteria for enrolling in the Aditi Scheme?
For enrolling in the Aditi Scheme, the health insurance plan by Narayana Health, are as follows:
1. Individuals aged 18 and above.
2. For Family Flotar the plan covers up to 2 adults and 4 children.
Pre-enrolment health check-ups are a must before enrolling for Aditi Health Insurance plans.
Is there any income limit for enrolling in the Aditi Health Insurance Scheme?
The annual premium of ₹10,000 is specifically for families having a yearly income of ₹40,000 or less.
If the family income goes above ₹40,000 annually, after purchasing the Aditi Health Insurance plan the premium increases, still if you compare it with the traditional health insurance plan you will find it competitive.
Who can buy Aditi Health Insurance from NHIL ( Narayana Health Insurance Ltd)?
Aditi is available in the below-mentioned districts of Karnataka
1. Mysuru
2. Chamraj Nagar
3. Coorg
4. Mandya
5. Hassan
Soon it will be available for Kolkata and Delhi. Those who want to buy the policy should provide proof of residence in the district mentioned.
What is the major drawback of Aditi Health Insurance by Narayana?
1. Aditi Health Insurance coverage is within the Narayana Health network hospitals only, in case of emergency coverage will be provided in very few selected hospital networks.
2. There will be a 10% co-payment if the insured seeks treatment at a non-network hospital.
3. The coverage is restricted to the general ward.
Summary
Aditi health insurance plans have unique features compared to traditional health insurance plans.
- In low premium insured person gets high insurance coverage.
- There is no waiting period, the initial waiting period is zero days or Nil.
- Aditi Insurance plan has zero waiting period even for the specific illness.
- The PED (Pre-existing diseases) waiting period is also zero unless and until it is mentioned during the policy inception.
- Free annual health checkup.
- Cover consumable costs excluding robotic surgeries.
- 60 days Pre-hospitalization and 90 days Post-hospitalisation expenses are covered.
Please read the policy wording carefully!
Thanks for sharing the complete detail, I was planning to buy. You made it easy.