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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.
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.
| PLAN DETAILS |
Galaxy Twin 360 |
Optima Lite Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
COVERED | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
COVERED | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
COVERED | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
COVERED | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
COVERED | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
COVERED | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
3216 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
COVERED | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
COVERED | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
COVERED | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
COVERED | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
COVERED | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
COVERED | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
NOT COVERED | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
NOT COVERED | - |
| Plan Entry Age | Adult: 18 years Children: 90 days to 18 years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | Upto Rs. 35 lakh | - |
| Plan Waiting Period | 30 days | 30 days |
| Plan Coverage | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment | - |
| Plan Sample Premium | 6,000 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3/4/5 years | 1/2/3 Years |
| ICU Charges | COVERED | Covered |
| Covid-19 Treatment | NOT COVERED | Not Covered |
| Cataract | COVERED | Covered |
| Automatic Restoration | COVERED | Covered |
| Ayush Treatment | COVERED | Covered |
| Modern Treatment | COVERED | Covered |
| E Consultation | COVERED | Covered |
| Air Ambulance | NOT COVERED | Not Covered |
| Global Coverage | NOT COVERED | Not Covered |
| Claim Ratio | 98.9 | 95.30 |
| Solvency Ratio | 4.70 | 2.00 |
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