Galaxy Promise Health Plan
  • Air Ambulance Cover
  • Room Rent Enhancement
  • Gala Fit Pro-Active Care
Galaxy Promise Health Plan
Network hospitals

Network hospitals

0+

Incurred claim ratio

Incurred claim 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*

Select Members You Want To Insure

Age of Eldest Member

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 inaugural product, which gives comprehensive coverage and cashless hospitalisation to the family and individual. It comes in three variants, which are- 

  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 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. 

 

Galaxy Promise Health Plan Specifications

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

Entry Age

16 days to 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr

Initial 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.

Read more specifications in the brochure.

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Choose Your Galaxy Promise Health Plan

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:

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

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not 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.

Galaxy Promise Health Insurance Benefits

With the Galaxy Promise health insurance, you will get unlimited benefits. Read below to understand here-

  • Guaranteed premium rates till the age of 55.

  • You will get the facility to pay the premiums in instalments.

  • Get women-centric coverage, which includes coverage for newborn babies and deliveries.

  • The wellness program “GALA FIT” encourages a healthy lifestyle.

  • Waive off your premium for organ donors.

  • It covers cataracts up to the sum insured.

  • Covers the cost of rehabilitation and pain management up to the sub-limit or maximum of up to 20% of the sum insured whichever is less.

What Makes This Plan Stand Out?

  • 100% coverage
    This plan gives coverage for 68 consumables along with the admission, record, and insurance processing charges.
  • A promise of premium
    The main highlight of the plan, which we mentioned earlier also. If you buy the Galaxy Promise Plan, your premiums will not increase until you make a claim or turn 55 years old.
  • Insta Care cover
    Problems like asthma, high blood pressure, and high cholesterol are very common nowadays. Keeping this in mind Galaxy Promise has come up with this plan, which gives you coverage for Asthma, Bloor pressure, and cholesterol from the 31st day.
  • Unlimited restoration of the sum insured
    Yes, you read that right. With the Galaxy Promise health insurance, your sum insured will be reset unlimited times for any illness, disease, or injury.
  • Cumulative bonus
    You will get a cumulative bonus of up to 500% if you do not opt for a claim in the policy year.
  • Delivery expenses covered
    This plan also covers the baby's delivery cost, whether it is normal or caesarean. This feature is highly beneficial for new mothers.

What are the Exclusions of the Galaxy Promise Health Insurance Plan?

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

Bottom Line

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. 

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:

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

Galaxy Promise Health Insurance Plan: FAQs

1. What is the policy term of Galaxy Promise Health Insurance?

The policy term is usually one year, but you can renew it annually.

2. What is Galaxy Promise Health Insurance?

Galaxy Promise is a comprehensive health insurance plan offered by Galaxy Health Insurance Company Ltd. It provides financial protection against various medical expenses.

3. How can I purchase a Galaxy Promise policy?

You can purchase a Galaxy Promise policy through authorized insurance agents or directly from the Galaxy Health Insurance website.

4. How do I file a claim under Galaxy Promise?

You can file a claim by submitting the required documents to the insurance company or through their online portal.

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Simran saxena

Written By: Simran Saxena

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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