Galaxy Health vs Niva Bupa Health Insurance 2026

Overview

Galaxy Health Insurance Company Limited is a new standalone health insurer, licensed by IRDAI in March 2024. It is backed by the TVS Group and V. Jagannathan, the founder of Star Health, providing experienced leadership despite being a new company. Focusing solely on health insurance, Galaxy designs plans around medical coverage needs rather than offering multiple insurance types. It may suit buyers open to a new insurer, but it’s important to check its hospital network, claim support, and overall track record before making a decision.

COMPANY DETAILS

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Galaxy Health

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Niva Bupa

Number of health insurance plans	No. of Plans 3 ❯	No. of Plans - ❯
Sum insured	Sum Insured Up to ₹ 1 Crore	Sum Insured Up to ₹ 1 Cr
Claim ratio	Claim Ratio 98.9%	Claim Ratio 98%
Network hospitals	Network Hospital 3216+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 4.70	Solvency Ratio 3.03
Pan India Presence	Pan India Presence 71	Pan India Presence 320
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 16.95 Crore	Annual premium (company level) 6,762.23 Crore
Years in operation	Years in operation 2023	Years in operation 2008
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
IRDAI registration number	IRDAI registration number 167	IRDAI registration number 145
Claims settled within 3 months	Claims settled within 3 months 100	Claims settled within 3 months 92.4
Recommended Videos	▶ Niva Bupa Health Insurance Review \| Max Bupa Health Insurance \| Niva Bupa Health Insurance Plan 2025

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj General Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Galaxy Health Insurance

Narayana Health Insurance

Know More About Health Insurance Companies

Galaxy Health Insurance

Galaxy Promise Health Plan

Lock in your premium until age 55.Galaxy Health Insurance Company is a new standalone company in the insurance market. Galaxy Prom...

Air Ambulance Cover
Room Rent Enhancement
Gala Fit Pro-Active Care

Unlimited restoration of SI
No co-payment
Room rent enhancement

Investigation and evaluation not covered
Dietary supplement
Unproven treatment
Alcoholism

Repatriation of mortal remains
Organ transplantation
Cashless everywhere

Min. Entry Age: 16 Days
Max. Entry Age: 65 Years
Initial Waiting Period: 24 Months
Sum Insured: Up to 1 Cr

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Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

Galaxy Top-up plan by Galaxy Health Insurance Company is a top-up health insurance plan. In today's landscape of escalating health...

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.

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Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make healt...

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

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Compare with Other Insurers

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Narayana Health Insurance Niva Bupa

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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