Digit Health vs Galaxy Health Health Insurance 2026 | PolicyX

Overview

Established in 2016, Digit Insurance makes health insurance simple, transparent and easy to manage—ideal for first-time buyers. With 16,400+ network hospitals it offers wide cashless cover and a digital-first experience; named Asia's General Insurance.
COMPANY DETAILS ✎ Edit

Digit Health

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Galaxy Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 Crore

Sum Insured

Up to ₹ 1 Crore
Claim ratio

Claim Ratio

99%

Claim Ratio

98.9%
Network hospitals

Network Hospital

9000+

Network Hospital

3216+
Solvency Ratio

Solvency Ratio

3.85

Solvency Ratio

4.70
Pan India Presence

Pan India Presence

10

Pan India Presence

71
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

1,625.93 Crore

Annual premium (company level)

16.95 Crore
Years in operation

Years in operation

8 years

Years in operation

2023
24×7 claim support

24×7 claim support

No

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96.71

Claims settled within 3 months

100
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Digit Health Insurance

Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus is a comprehensive health policy offering 360-degree coverage, including base benefits like room rent, ICU,...

  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover
  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover
  • No global cover
  • Illegal activities not covered
  • No obesity covered
  • Sum Insured Refill Benefit
  • Psychiatric Illness
  • Hearing Aids
  • Min. Entry Age - 18
  • Max. Entry Age - No Limit
  • SI - Unlimited
  • Initial Waiting Period - 30 Days
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Accident Health Insurance

Digit Personal Accident Plan

Digit Personal Accident Insurance provides crucial financial and medical protection against the high risk of accidents, covering a...

  • No room rent capping
  • Zero co-payment
  • Accidental death & disability cover
  • Accidental death
  • Total or partial disability
  • Loss of income cover
  • Self-inflicted injuries
  • Alcoholism or drug abuse
  • War and terrorism affairs
  • Hospitalisation expenses
  • Benefits for children
  • Adventure sports injury cover
  • Minimum- 18 years
  • Plan type- Individual
  • Initial waiting period- 30 days
View plan

Galaxy Health Insurance

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.
View plan
Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

  • Dual coverage for extended protection
  • All round 360 degree health benefits
  • Flexible coverage for individual needs
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals
  • Adults: 18 years to 45 years Children: 90 days to 18 years
View plan

Compare with Other Insurers

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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