Galaxy Twin 360 is a comprehensive health insurance plan tha ...Read More
Galaxy Twin 360 is a comprehensive health insurance plan that blends inpatient hospitalization, outpatient treatment, and wellness support into one policy. The plan has been designed for "all-round healthcare". It covers diverse needs from diagnostics to advanced modern treatments. Available in Core, Max, and Ultra tiers, it provides flexible, innovative protection for families. ...Read Less
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Network hospitals
98.9%
Claim settlement ratio
Up to
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Sum insured
1
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100K+
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Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.
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Updated on Mar 16, 2026 3 min read
Galaxy Twin 360
Galaxy Twin 360 is a comprehensive health insurance policy that combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make health insurance relevant and usable even in years when hospitalisation does not occur.
Galaxy Twin 360 is designed for young adults and families looking for long-term health protection with preventive and wellness support. The plan offers lifelong renewability, flexible premium payment options, and access to digital healthcare services, helping policyholders stay protected and proactive about their health.
Galaxy Twin 360 is available in three plan variants based on coverage requirements:
Core – Entry-level option offering essential hospitalisation cover along with OPD benefits at a moderate premium.
Max – Mid-level option with higher sum insured, enhanced OPD limits, and broader coverage benefits.
Ultra – Comprehensive option with high sum insured, advanced features such as restoration benefits, and additional covers like maternity and newborn care.
So, if you are looking for a health insurance plan that not only protects you against high hospitalisation costs but also supports routine medical expenses and preventive care, Galaxy Twin 360 offers a balanced and modern approach to health insurance. Read below to understand the benefits, coverage structure, and key features of the plan in detail.
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Galaxy Twin 360 Specifications
To understand Galaxy Twin 360 Insurance in detail, take a look at the below table:
Entry Age
Adult: 18 years Chldren: 90 days
Policy Type
Individual and Family Health Insurance
Sum Insured
7.5 Lakh | 10 Lakh | 15 Lakh | 30 Lakh
Initial Waiting Period*
30 days Days
Renewability
Lifelong beyond age 45 years
*Initial Waiting Period is the time period between the
issuance of the policy and the time it starts actively. During this period, a
policyholder has to wait to avail of the benefits offered under a health insurance
plan.
Read more specifications in the brochure.
Choose Your Galaxy Twin 360
With wide coverage options available, Galaxy Twin 360 Insurance Plan
allows you to
choose your ideal coverage as per your family’s health requirements. Take a look at the
coverage under every SI option available and choose your ideal coverage:
In-patient & Out-patient coverage
Room Rent
COVERED
ICU Charges
COVERED
Pre-Hospitalization
COVERED
Post-Hospitalization
COVERED
Domiciliary Hospitalization
COVERED
Daycare Treatment
COVERED
OPD Charges
COVERED
Coverage
Terms
COVID-19 Treatment
NOT COVERED
Cataract
COVERED
No Claim Bonus
COVERED
Automatic Restoration
COVERED
Daily Hospital Cash
COVERED
Organ Donor
COVERED
Maternity Cover
COVERED
New Born Baby Cover
COVERED
Alternative
Treatments
AYUSH Treatment
COVERED
IVF Treatment
NOT COVERED
Modern Treatment
COVERED
Emergency
Coverage
Ambulance
COVERED
Air Ambulance
NOT COVERED
Compassionate Travel
NOT COVERED
Global Coverage
NOT COVERED
Wellness
Programmes
E-Consultation
COVERED
Health Check-Up
COVERED
Second Medical Opinion
NOT COVERED
Vaccination
COVERED
Limitations
Co-payment
NOT COVERED
Sub-limits
NOT COVERED
What
is Room Rent?
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
What
is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
What
is Automatic Restoration?
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
What
is Daily Hospital Cash?
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
What
is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
What
is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
What
is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
What
is Compassionate Travel?
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
What
is E-Consultation?
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
What
is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
What
is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
What
is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Other Deails about Galaxy Twin 360
Before choosing Galaxy Twin 360, it is important to understand certain plan details that may impact coverage, claims, and long-term suitability. These factors help set the right expectations and enable informed decision-making.
Waiting Periods
The plan comes with defined waiting periods. This includes an initial waiting period for illnesses, a waiting period for pre-existing diseases, and specific waiting periods for certain treatments and procedures. Coverage begins only after these waiting periods are completed.
Sub-limits and Coverage Caps
Some benefits under the policy may have sub-limits or maximum caps. These may apply to room rent, ICU charges, OPD usage, specific treatments, or wellness benefits, depending on the plan variant chosen.
Co-payment Terms
In certain situations, the policy may require the insured to bear a portion of the claim amount as co-payment. This could depend on factors such as age, treatment type, or hospital category, as defined in the policy wording.
Network Hospitals
Cashless treatment is available only at network hospitals empanelled with Galaxy Health Insurance. Availability of network hospitals may vary by city and location.
Claims Process
Claims can be settled through cashless or reimbursement modes, subject to policy conditions. Timely claim intimation and proper documentation are essential for smooth claim settlement.
OPD Usage Guidelines
OPD benefits are subject to defined annual limits and usage rules. Unused OPD benefits typically do not carry forward to the next policy year.
Renewal and Premium Changes
Premiums may change at renewal based on age, medical inflation, and underwriting guidelines. Wellness-linked discounts may apply if eligibility criteria are met.
Portability and Migration
The plan allows portability from another health insurer, subject to regulatory guidelines. Waiting periods served under the previous policy may be credited as per policy rules.
Plan Inclusions
Galaxy Twin 360 is designed to cover both major medical emergencies and everyday healthcare needs. The plan goes beyond traditional hospitalisation-only coverage by integrating inpatient treatment, outpatient care, and wellness benefits, ensuring broader and more practical health protection for policyholders.
In-patient hospitalisation expenses, including room rent, ICU charges, and medical fees
Pre- and post-hospitalisation medical expenses
Day-care procedures and advanced medical treatments
OPD consultations, diagnostics, and prescribed medicines
Unlimited teleconsultations with doctors
Organ donor expenses during transplantation
AYUSH treatment (as per policy terms and limits)
Automatic restoration of sum insured (available in select variants)
Wellness benefits and preventive care services
Plan Exclusions
Like all health insurance policies, Galaxy Twin 360 also comes with certain exclusions. These are situations, treatments, or conditions that are not covered under the policy, either permanently or for a specific waiting period. Understanding these exclusions is important to avoid claim rejections and to have clear expectations about what the plan does not cover.
Hospitalisation solely for investigation or evaluation
Rest cure, rehabilitation, and respite care
Cosmetic or plastic surgery (unless medically necessary)
Obesity or weight-control treatments and procedures
Gender reassignment treatment or surgery
Treatment related to alcohol, drug, or substance abuse
Self-inflicted injuries or injuries due to breach of law
Treatment received at non-recognised hospitals or healthcare providers
Treatment at spa, nature-cure, or non-medical establishments
Expenses not directly related to medical treatment
Dietary supplements or substances not prescribed as part of treatment
Vaccination and immunisation (except post-bite treatment)
Explore other Galaxy Health Insurance
To cater to the different medical needs of an individual & their family,
Galaxy Health Insurance offers
several Health Plans ranging from senior citizen plans to specialized plans for
autistic
children, to health insurance for cardiac patients, and many more.Take a look below
to Galaxy Health Insurance plans
explore more:
Galaxy Twin 360 is a comprehensive health insurance policy that combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellne...
Unique Features
abc
xyz
Galaxy Twin 360 (Pros)
OPD benefits along with hospitalisation cover
usable benefits even in non-hospitalisation years
wellness and preventive care integration
Galaxy Twin 360 (Cons)
Entry age capped at 45 years
OPD benefits have usage limits
newer insurer with limited long-term claims history
Galaxy Twin 360 (Other
Benefits)
Lifelong renewability
multiple sum insured options
flexible premium payment modes
coverage for day-care and modern treatments
cashless treatment at network hospitals
Galaxy Twin 360 (Eligibility
Criteria)
Adults: 18 years to 45 years Childen; 90 days to 18 years
Galaxy Top-up plan by Galaxy Health Insurance Company is the top-up health insurance plan. In today's landscape of escalating healthcare costs, securi...
Unique Features
Get exciting discounts
Digital ICU coverage
Gala Fit benefit
Galaxy Top-up Health Insurance Plan (Pros)
Family coverage
Flexibility in deductible
Digital ICU coverage
Galaxy Top-up Health Insurance Plan (Cons)
Investigation and evaluation
Cosmetic surgery
Unproven treatments
Galaxy Top-up Health Insurance Plan (Other
Benefits)
Nanotechnology covered
Modern treatment
Delivery expenses covered
Galaxy Top-up Health Insurance Plan (Eligibility
Criteria)
Lock in your premium until age 55.
Galaxy Health Insurance Company is the new standalone company in the insurance market. Galaxy Prmise is the i...
Unique Features
Air Ambulance Cover
Room Rent Enhancement
Gala Fit Pro-Active Care
Galaxy Promise Health Plan (Pros)
Unlimited restoration of SI
No co-payment
Room rent enhancement
Galaxy Promise Health Plan (Cons)
Investigation and evaluation not covered
Dietry supplement
Unproven treatment
Alcoholism
Galaxy Promise Health Plan (Other
Benefits)
Repatriation of mortal remains
Organ transplantation
Cashless everywhere
Galaxy Promise Health Plan (Eligibility
Criteria)
Min. Entry Age: 16 Days
Max. Entry Age: 65 Years
Initial Waiting Period: 24 Months
Sum Insured: Up to 1 Cr
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
Galaxy Twin 360 covers in-patient hospitalisation expenses along with OPD consultations, diagnostics, prescribed medicines, and wellness benefits, depending on the plan variant chosen.
2. Does Galaxy Twin 360 cover OPD expenses without hospitalisation?
Yes. The plan includes OPD benefits such as doctor consultations and diagnostics that can be used even when there is no hospitalisation.
3. Who is eligible to buy Galaxy Twin 360?
Adults aged 18 to 45 years can purchase the policy. Dependent children from 91 days up to 25 years can be included under the same policy.
4. What are the waiting periods under the plan?
The plan has an initial waiting period for illnesses, a waiting period for pre-existing diseases, and specific waiting periods for certain treatments, as defined in the policy terms.
5. Is there any limit on hospitalisation coverage?
Yes. Hospitalisation coverage is limited to the sum insured chosen under the Core, Max, or Ultra plan variant.
6. How does the claim process work?
Claims can be made through cashless treatment at network hospitals or through reimbursement, subject to policy conditions and timely claim intimation.
7. Does the plan offer lifetime renewability?
Yes. Galaxy Twin 360 offers lifelong renewability, provided the policy is renewed without a break.
8. Are wellness benefits mandatory to use the policy?
No. Wellness benefits are optional and are designed to encourage preventive care. Not using them does not affect core coverage.
9. Who should consider buying Galaxy Twin 360?
This plan is suitable for individuals and families seeking a combination of hospitalisation coverage, OPD benefits, and preventive healthcare in a single policy.
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