At Narayana Health Insurance, we believe that delivering timely and reliable service is just as important as offering comprehensive health cover. Our service parameters reflect our commitment to transparency, policyholder satisfaction, and regulatory compliance.
TATs are calculated from the time all necessary and complete documents are received.
As per IRDAI norms, the policyholder can escalate to the Insurance Ombudsman if the complaint is unresolved within 30 days or if dissatisfied with the insurer’s response.
Our Commitment
These service timelines reflect our promise to:
- Deliver policyholder-centric, time-bound resolutions
- Stay compliant with IRDAI's customer service benchmarks
- Offer full transparency across the policy lifecycle
Frequently asked questions
Find answers to common questions about our insurance plans, coverage details, claim process, and more. We're here to help you make informed decisions with confidence.
Before purchasing, please review the Customer Information Sheet (CIS), sum insured, waitingperiods, exclusions, coverage for pre/post-hospitalization, list of network hospitals, and portabilityoptions. We’ll help you understand it all.
We are registered with IRDAI. You can verify any insurer’s status by visiting www.irdai.gov.in .
You'll receive a Policy Bond, Customer Information Sheet (CIS), and a Benefits Illustration/Prospectus, either digitally or in physical form, as per your choice.
Yes, we’re happy to provide the CIS and other key documents in your local language uponrequest.
The CIS simplifies your policy, it clearly highlights benefits, exclusions, claims process, andgrievance redressal in one place.
Yes, depending on the product and internal board approved underwriting decisions.
- Pre-existing conditions: 1–3 years
- Specific treatments: 2 years
- First 30 days: general illnesses (accidents excluded)
Yes. Depending on the plan, you can cover them either under a floater or individual policy. Call our sales helpline to explore eligible products.
It’s a cost-effective plan where a single sum insured is shared by all covered family members.
Once we receive your complete payment, we issue the policy within the same day.
Call our Customer Support at +91 98210 34071 or write to support@narayanahealth.insurance We’ll make sure you receive your policy with in the same day.
Absolutely. Send us a request for endorsement. We’ll process it within One week.
Mid-term changes aren't permitted, but you can revise the sum insured at the time of renewal.
Just email your request to support@narayanahealth.insurance.
Yes, you can add a newlywed spouse or newborn within 30–90 days. A proportionate premium may apply.
You don’t need to pay upfront at our network hospitals except policy holder payable such asdaily deductibles, excluded treatment charges etc, we coordinate payment directly with the hospital.
Yes, the applicable room type and ICU limits depend on your chosen product. Exceeding thesemay result in proportionate deductions. Please reach out to us or check the CIS documents forroom limits basis on the products you have chosen.
Yes, annual health check-ups included at the time of renewal under most of our plans.
Submit bills incurred within the allowed pre and post-hospitalization period mentioned inyour CIS. Submit your bills with in 15 days from post hospitalization period completion.
We cover listed day-care procedures and offer OPD discounts at selected centres. Pleasecheck your policy document for eligible OPD centres list.