Buy Galaxy Health Insurance Promise Plan Online in India
Buy Now
Summarize with
ChatGPT Claude Perplexity
Galaxy Health Insurance Galaxy Health Insurance ★ 4.7

Galaxy Promise Health Plan

Galaxy Promise is a comprehensive health insurance plan designed to pr ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
71+
Pan India presence
98.9%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.7/5 · 70 reviews
🏥 3,216+ hospitals
📊 4.70 solvency ratio
✅ 98.9% claim settlement

About Galaxy Promise Health Plan

A quick read on what this Galaxy Health Insurance plan covers and why it might be a fit for you.

Lock in your premium until age 55.

Galaxy Health Insurance Company is a new standalone company in the insurance market. Galaxy Promise is its inaugural product, offering comprehensive coverage and cashless hospitalization for families and individuals. It comes in three variants:

  1. Galaxy Promise Signature
  2. Galaxy Promise Elite
  3. Galaxy Promise Premier

Galaxy Promise offers a lifeline against escalating healthcare costs (10-15% annual increase) by providing financial security and preventive health measures. This plan is designed for the younger generation in India, addressing the gaps and requirements of Gen-Z. While many standard insurance plans have a list of exclusions, Galaxy Promise aims to include benefits such as rehabilitation, pain management, premium promise, and maternity benefits.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
16 days to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
730 days
Renewability
Lifelong
Policy term
1, 2, 3 Year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement

Cons

  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Not covered

Galaxy Promise Health Insurance Benefits

Key benefits of the Galaxy Promise health insurance plan include:

  • Guaranteed premium rates until age 55.
  • Facility to pay premiums in installments.
  • Women-centric coverage, including newborn babies and deliveries.
  • "GALA FIT" wellness program encourages a healthy lifestyle.
  • Premium waiver for organ donors.
  • Cataract coverage up to the sum insured.
  • Covers rehabilitation and pain management costs up to the sub-limit or a maximum of 20% of the sum insured, whichever is less.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • 100% Coverage: This plan covers 68 consumables along with admission, record, and insurance processing charges.
  • Premium Promise: A key highlight of the plan, your premiums will not increase until you make a claim or turn 55 years old.
  • Insta Care Cover: Provides coverage for asthma, high blood pressure, and high cholesterol from the 31st day, addressing common health concerns.
  • Unlimited Restoration of Sum Insured: Your sum insured will be reset an unlimited number of times for any illness, disease, or injury.
  • Cumulative Bonus: Receive a cumulative bonus of up to 500% if no claim is made in the policy year.
  • Delivery Expenses Covered: This plan covers the baby's delivery cost, whether normal or caesarean, a highly beneficial feature for new mothers.

Exclusions

  • Pre and post-treatment expenses
  • Unproven, experimental, or investigational sub-fertility services
  • Reversal of voluntary sterilization
  • Subsequent pregnancy treatment
  • Diagnostic laparoscopy with ovarian drilling
  • Payment for services rendered to a surrogate
  • Costs associated with cryopreservation and storage of sperm, eggs, and embryos
  • Selective termination of an embryo
  • Services done at unrecognized centers
  • Procedures that enhance fertility like Tubal Occlusion
  • Bariatric Surgery
  • Other exclusions as detailed in the policy documents provided by the company

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

Other Features

The Galaxy Promise plan, a new offering from Galaxy Health Insurance Company Limited, covers a wide range of medical expenses. It is available in three tiers: Signature, Elite, and Premier, each with varying coverage options and deductibles. Key features include coverage for hospitalization expenses, chronic diseases, maternity, wellness programs, and discounts on premiums. You can get a free quote online by entering your details.

Galaxy Promise Health Insurance Plan: FAQs

The 4 most-asked questions about Galaxy Promise Health Plan, answered.

The policy term is usually one year, but you can renew it annually.
Galaxy Promise is a comprehensive health insurance plan offered by Galaxy Health Insurance Company Ltd. It provides financial protection against various medical expenses.
You can purchase a Galaxy Promise policy through authorized insurance agents or directly from the Galaxy Health Insurance website.
You can file a claim by submitting the required documents to the insurance company or through their online portal.

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 26 Nov 2024 · Originally published: 26 Nov 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.7

Rated by 67 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free