Network hospitals
0+
Incurred claim ratio
N/A%
Sum insured
Up to 1 Crore
No. of Plans
1
Solvency Ratio
N/A
Pan India Presence
N/A+
Lock in your premium until age 55.
Galaxy Health Insurance Company is the new standalone company in the insurance market. Galaxy Prmise is the inaugural product, which gives comprehensive coverage and cashless hospitalisation to the family and individual. It comes in three variants, which are-
Galaxy Promise offers a lifeline against escalating healthcare costs (10-15% annual increase) by providing financial security and preventive health measures. This plan is dedicated towards the youngsters of India. It covers the gap and requirements of Gen-Z. Much standard insurance has a list of exclusions, which Galaxy's Promise Plan aims to include, such as rehabilitation, pain management, premium promise, and maternity benefits.
To understand Galaxy Promise Health Plan Insurance in detail, take a look at the below table:
16 days to 65 years
Individual and Family Health Insurance
3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr
730 Days
Lifelong
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.
Read more specifications in the brochure.
With wide coverage options available, Galaxy Promise Health Plan 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:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
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
AYUSH Treatment
Covered
IVF Treatment
Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Not Covered
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).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
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.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section deliveries.
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:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) 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:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
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.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
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.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
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.
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.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
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.
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.
With the Galaxy Promise health insurance, you will get unlimited benefits. Read below to understand here-
Pre and Post treatment expenses
Unproven, experimental or investigational sub-fertility services
Reversal of voluntary sterilization
Subsequent Pregnancy Treatment
Diagnostic Laparoscopy with Ovarian Drilling
Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
Payment for services rendered to a surrogate
7. Costs associated with cryopreservation and storage of sperm, eggs and embryos
Selective termination of an embryo.
Services done at unrecognized centre
Procedures that enhances enhances fertility like Tubal Occlusion.
Bariatric Surgery
A brand-new health insurance plan from Galaxy Health Insurance Company Limited, the Galaxy Promise, covers a wide range of medical expenses. The policy has three tiers: Signature, Elite, and Premier, each with varying coverage options and deductibles. You can get a free quote online by entering your details. Some of the key features include coverage for hospitalization expenses, chronic diseases, maternity, wellness programs, and discounts on premiums. The company's contact information and disclaimers are also provided on the webpage.
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:
Individual and Family Health Insurance
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
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.
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An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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