Consultation or service
The specialty, consultation type and healthcare service required.
Clear Costs • Guided Insurance Support
Transparent guidance for confident healthcare decisions.
Understand what shapes your treatment estimate, how insurance assistance works and what to prepare before your appointment.
Clear estimates No hidden charges Insurance coordination
One support teamEstimates, documents and insurance guidance
Our Pricing Approach
Fair, clear and based on your actual care needs.
Naraya does not publish misleading one-price-fits-all packages. A meaningful estimate is prepared after understanding the patient’s clinical requirement.
Final pricing may change if the medical plan changes after examination, testing or specialist review.
Tests and diagnostics
Laboratory investigations, imaging or procedures recommended after evaluation.
Specialist involvement
The number of specialists and level of multidisciplinary coordination required.
Treatment complexity
The clinical approach, procedure type, technology and individual medical needs.
Duration and follow-up
Treatment duration, monitoring, rehabilitation and follow-up requirements.
Insurance Coverage & SupportLess paperwork stress.
Less paperwork stress.
More focus on your care.
Naraya works with private and corporate health insurance arrangements and third-party administrators. Our administrative team helps clarify requirements and coordinate the process.
- Cashless hospitalisation support where applicable
- Insurance eligibility and benefit verification
- Pre-authorisation assistance
- Claim-document guidance
- Billing coordination and support
Coverage is governed by your insurer, policy terms and clinical eligibility. Assistance does not guarantee cashless approval or claim payment.
Dedicated assistanceGuidance from eligibility through billing
Insurance Assistance Process
Five clear steps from policy check to billing.
Share your policy details
Provide your insurer or TPA name, insurance card, policy information and valid identification.
Eligibility is reviewed
The support team checks applicable benefits, network status and the information required by your insurer.
Estimate and pre-authorisation
Clinical recommendations and an approximate estimate support pre-authorisation where required.
Documents are coordinated
Our team guides you through forms, clinical papers, bills and supporting documentation.
Approval and billing support
We assist with communication and billing coordination while the insurer makes the final coverage decision.
Prepare Before You Visit
Documents that may help avoid delays.
Requirements differ across insurers. Carry originals when requested and keep readable copies available.
Confirm Your Requirements ↗Photo identificationAadhaar, passport or another valid government-issued ID.
Insurance cardCurrent card or digital membership details.
Policy informationPolicy number, insurer, TPA and corporate details if applicable.
Medical recordsPrescriptions, reports, scans and relevant treatment history.
Authorisation formsInsurer or TPA forms when specifically requested.
Bills and receiptsOriginal documents may be required for reimbursement claims.
Self-Pay & Payment Options
No insurance? You can still receive clear financial guidance.
Self-pay patients can request an approximate estimate and discuss available payment methods before services begin.
Transparent estimate
Understand the likely consultation, investigation and treatment components.
Bank transfer
Online transfers may be accepted where available and confirmed by the billing team.
Digital payments
UPI and other digital payment options may be available at participating locations.
Billing guidance
Ask questions before treatment and request clarification for every estimate component.
Frequently Asked Questions
Important answers about costs and coverage.
For policy-specific information, speak directly with our support team before your visit or procedure.
Call the Support Team ↗01.Does Naraya Health offer cashless treatment?
Cashless support may be available depending on the insurer, TPA, policy, treatment and selected facility. Please contact the insurance team for eligibility confirmation before treatment.
02.Can I receive a cost estimate before treatment?
Yes. An approximate estimate can be prepared after the initial consultation or medical evaluation identifies the likely tests, specialists and treatment required.
03.What documents may be required for insurance?
Requirements commonly include valid photo identification, insurance card, policy details, medical records and insurer or TPA pre-authorisation forms. The exact list depends on the policy.
04.Are all services covered by insurance?
No. Coverage, exclusions, sub-limits, waiting periods and non-payable items are determined by the individual policy and insurer. Naraya can assist with verification but cannot guarantee approval.
05.Do prices vary by doctor or location?
They may vary according to the location, specialist, investigations, facility, treatment complexity and individual clinical requirements.
06.What if I do not have insurance?
Self-pay patients receive transparent guidance and may use available digital payment methods such as UPI or online transfer where supported.