Galaxy Top-up Health Insurance Plan
  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit
Galaxy Top-up Health Insurance Plan
Network hospitals

Network hospitals

0+

Claim settlement ratio

Claim settlement ratio

N/A%

Sum insured

Sum insured

Up to 1 Crore

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

N/A

Pan India Presence

Pan India Presence

N/A+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

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Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Updated on Mar 25, 2025 4 min read

Galaxy Top-up Health Insurance Plan

Galaxy Top-up plan by Galaxy Health Insurance Company is the top-up health insurance plan. In today's landscape of escalating healthcare costs, securing comprehensive financial protection against unforeseen medical emergencies is paramount. The Galaxy top-up health insurance plan emerges as a strategic solution, offering an enhanced safety net beyond your base health coverage. Designed to mitigate the impact of substantial medical expenses, this plan provides a range of features, from the high sum insured options to innovative benefits like premium stability, aiming to deliver peace of mind and financial security during challenging times. 

 

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Galaxy Top-up Health Insurance Plan Specifications

To understand Galaxy Top-up Health Insurance Plan Insurance in detail, take a look at the below table:

Entry Age

Adult: 18 years to 65 years, Dependent children: 16 days to 25 years

Policy Type

Top Up and Super Top Up

Sum Insured

5 L | 10 L | 20 L | 50 L | 1 Cr | 2 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 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.

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Choose Your Galaxy Top-up Health Insurance Plan

With wide coverage options available, Galaxy Top-up Health Insurance 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:

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

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not 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

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.

What Makes the Galaxy Top-up Health Plan Stand Out?

Your Occupation
  • Get Exciting Discounts- With the Galaxy top-up health insurance plan, you will get some exciting discounts like long-term discounts, and online purchase discounts.
  • Gala Fit- Stay Active and get a 10% discount on every renewal. Gala Fit-Pro Active motivates you to stay active and fit by giving 10% discounts every year.
  • Aggregate Deductible Limit- You will get flexible deductible options starting from Rs 5 Lakh to Rs 25 Lakhs.
  • EMI Installment- Pay the premium in EMI Installments. So, you can choose between half-yearly, quarterly, or monthly options to pay the premiums.

Galaxy Health Insurance Top-up Plan Optional Covers

  • Premium Promise- There will be no change in the premium till the insured makes a claim or up to 55 years of age, whichever is earlier.
  • Room Rent Enhancement- You can opt for any room rent coverage if you opt for this optional benefit.
  • Durable Medical Equipment/ CAPD- Covered up to 10% of the sum insured or Rs. 1,00,000 whichever is less

Galaxy Top-up Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Galaxy Top-up Plan are:

Investigation & Evaluation

Rest Cure, rehabilitation and respite care

Change-of-Gender treatments

Cosmetic or plastic Surgery

Hazardous or Adventure sports

Sterility and Infertility

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Specified diseases- 1 year

PED- 1 year

Organ transplant expenses- 1 year

Bariatric surgery- 1 year

Delivery expenses- 2 years

Key Features of the Galaxy Top-up Plan

  • Family Cover

    The Galaxy top-up health insurance plan provides coverage to individuals and families. This means you can cover 2 adults and 3 children under this single top-up health insurance plan.

  • Covers Room Rent

    You can get the coverage for a single private room with AC.

  • Digital ICU

    Nowadays, technology has taken place in human healthcare. Under this technological advancement, the ICU also became digital. Understanding this, the Galaxy top-up health insurance plan covers the cost of a digital ICU.

  • Nanotechnology

    Surgeries used to reduce weight are also covered under the top-up health insurance plan.

  • Maternity Delivery Expenses

    You can opt for caesarean or normal delivery and get coverage under this plan.

  • Modern Treatment

    Medical procedures and therapies that use cutting-edge technology and advanced medical knowledge are also covered under this plan. These techniques like robotic surgery and laparoscopic surgery, reduce the size of incisions, leading to less pain, faster recovery times, and reduced risk of complications.

Conclusion

Enjoy enhanced financial security with this top-up health plan. This plan provides a substantial increase in your sum insured over your existing policy, at a remarkably affordable premium.

Call our expert to ask your questions related to the Galaxy top-up health insurance plan.

We believe in No Spam, No Gimmicks, Only Expert Insurance Advice.

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:

Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

Galaxy Top-up Health Insurance Plan

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)

Galaxy Top-up Health Insurance Plan
  • Family coverage
  • Flexibility in deductible
  • Digital ICU coverage

Galaxy Top-up Health Insurance Plan (Cons)

Galaxy Top-up Health Insurance Plan
  • Investigation and evaluation
  • Cosmetic surgery
  • Unproven treatments

Galaxy Top-up Health Insurance Plan (Other Benefits)

Galaxy Top-up Health Insurance Plan
  • Nanotechnology covered
  • Modern treatment
  • Delivery expenses covered

Galaxy Top-up Health Insurance Plan (Eligibility Criteria)

Galaxy Top-up Health Insurance Plan
  • Entry age - 18 years
  • Max entry age - 65 years
  • SI - INR 5 L to 2 Cr
  • Waiting Period - 30 days

Individual and Family Health Insurance

Galaxy Promise Health Plan

Galaxy Promise Health Plan

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)

Galaxy Promise Health Plan
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement

Galaxy Promise Health Plan (Cons)

Galaxy Promise Health Plan
  • Investigation and evaluation not covered
  • Dietry supplement
  • Unproven treatment
  • Alcoholism

Galaxy Promise Health Plan (Other Benefits)

Galaxy Promise Health Plan
  • Repatriation of mortal remains
  • Organ transplantation
  • Cashless everywhere

Galaxy Promise Health Plan (Eligibility Criteria)

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

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Galaxy Top-up Health Insurance Plan: FAQs

1. What is a top-up health insurance plan, and how does it differ from a regular health insurance policy?

A top-up plan provides additional coverage beyond the sum insured by your existing base health policy. It kicks in when your medical expenses exceed the threshold or deductible specified in the top-up plan. Unlike a regular policy, it doesn’t cover expenses from the first rupee; it enhances existing coverage.

2. Who is eligible to purchase the Galaxy Top-up plan?

If you are 18 years of age or older, then you are eligible for this plan.

3. Is there a waiting period before the Galaxy top-up policy becomes active?

Yes, like most health insurance policies, there are waiting periods for certain conditions or treatments. Initial 30 days of waiting period and one year of waiting period for specified disease, PED, organ transplant, and bariatric surgery.

4. Does the Galaxy top-up plan cover pre-existing conditions?

Yes, pre-existing conditions are covered after a specified waiting period, which is typically outlined in the policy terms.

5. Does this plan cover family members?

Yes, the plan covers family members.

6. What is the claim process for the Galaxy top-up plan?

The claim process involves notifying the insurer, submitting required documents, and getting approval for cashless or reimbursement claims.

7. How does the renewal process work?

The renewal process involves paying the renewal premium before the policy expires to continue coverage.

8. How does the Galaxy top-up plan compare to other top-up plans in the market?

It is best to compare the specific features, benefits, and premiums of the Galaxy top-up plan with other available options to make an informed decision.

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Simran saxena

Written By: Simran Saxena

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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