Galaxy Twin 360 Health Insurance Plan

Overview

Galaxy Twin 360 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.

Plan Variants

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.

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.

Important Plan Details 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.

Inclusions

• 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.

Exclusions

• 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).