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Galaxy Health Insurance logo Galaxy Health Insurance ★ 4.8/5

Galaxy Health Insurance

Galaxy Health Insurance Company Limited is a new standalone health insurer, licensed by IRDAI in March 2024. It is ...Read More

3,216+
Cashless hospitals
98.9%
Claim settlement
1 Crore
Max sum insured
3
Active plans
🛡️ IRDAI Approved
4.8/5 · 59 reviews
🏥 3,216+ hospitals
📊 4.7x solvency ratio
98.9% claim settlement

What you get with Galaxy Health Insurance

The headline features and policy mechanics, at a glance.

Sum insured up to 1 Crore

Coverage scales from entry-level individual plans to high-end family-floater protection.

3,216+ cashless hospitals

Direct billing at network hospitals across 71 presence — no out-of-pocket payment at admission.

98.9% claim settlement

Industry-leading approval rate on eligible claims received in the most recent fiscal year.

4.7x solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

3 active plans

Choose from individual, family floater and senior-citizen variants to match your household.

About Galaxy Health Insurance

A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.

Galaxy Health Insurance Overview

Galaxy Health Insurance Company Limited is a standalone health insurer in India, founded in 2024 and headquartered in Chennai. It is backed by the TVS Group and the family of V. Jagannathan, founder of Star Health, bringing experienced leadership to a new company.

The insurer focuses only on health insurance, offering plans designed around current healthcare needs with the support of technology. Led by G. Srinivasan, Galaxy aims to provide structured coverage options. As a new entrant, buyers should review its network and claim support before choosing a plan.

What are some of the
Features
that set them apart?

  • 1

    Retail health insurance and small and medium-sized enterprises (SME) segment-focused health insurance products

  • 2

    The company started with a capital of nearly Rs 300 Crore

  • 3

    Launched a maiden product Galaxy Promise

  • 4

    No co-payment applicable on health plans

  • 5

    24/7 customer support

Choose Galaxy Health Insurance Coverage of Your Choice

Select a sum insured option below to compare health plans matching your coverage need.

All 3 Galaxy Health Insurance plans

Every plan currently being sold by Galaxy Health Insurance, shown side-by-side so you can shortlist quickly.

Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

Galaxy Top-up plan by Galaxy Health Insurance Company is a top-up health insurance plan. In today's landscape of escalating healthcare cost…

Sum insured 5 L, 10 L, 20 L, 50 L, 1 Cr, 2 …
Entry age Adult: 18 years to 65 years, Dependent …
  • Family coverage
  • Flexibility in deductible
  • Digital ICU coverage
View plan
Individual and Family Health Insurance

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 Promise is…

Sum insured 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age 16 days to 65 years
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement
View plan

Quick comparison

Side-by-side across the 3 most-bought Galaxy Health Insurance plans on PolicyX.

Galaxy Health Insurance plan comparison
Feature Galaxy Twin 360 Galaxy Top-up Health Insurance Plan Galaxy Promise Health Plan
Plan type Individual and Family Health Insurance Top Up and Super Top Up Individual and Family Health Insurance
Sum insured 7.5 Lakh, 10 Lakh, 15 Lakh, 30 … 5 L, 10 L, 20 L, 50 L, 1 Cr, 2 … 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age Adult: 18 years Children: 90 days Adult: 18 years to 65 years, Dependent … 16 days to 65 years
Top benefits OPD benefits along with hospitalisation cover · usable benefits even in non-hospitalisation years Family coverage · Flexibility in deductible Unlimited restoration of SI · No co-payment

What's covered — and what's not

The standard inclusions and exclusions across Galaxy Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.

✓ Inclusions

  • Galaxy Health Insurance covers pre and post-hospitalization expenses related to in-patient hospitalization.
  • Galaxy Health Insurance plans include alternative treatment cover for Ayurveda, Unani, Siddha, and Homeopathy treatments.
  • Galaxy health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, and doctor consultations.
  • Galaxy health insurance plans cover daycare procedures that do not require 24-hour hospitalization.
  • Galaxy health insurance plans cover domiciliary hospitalization up to specified sub-limits on a doctor's recommendation.

✗ Exclusions

  • Galaxy health policies will not cover injuries or hospitalization caused by self-harm.
  • Galaxy Health Insurance plans do not cover cosmetic surgeries or treatments.
  • Galaxy Health Insurance plans will not cover hospitalizations or accidents caused by adventure sports.
  • Galaxy Health Insurance plans do not cover treatments related to obesity and weight management such as bariatric surgeries.
  • Galaxy health insurance plans do not cover hospitalization or injuries caused by unlawful activities.

Documents required

For policy purchase and claim submission. Have these ready before you start.

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

3,216+ cashless hospitals

Find a Galaxy Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.

Buy, claim, renew, port — step-by-step

Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.

If you are looking to purchase Galaxy Health insurance online, follow these simple steps:

  • Step 1

    Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.

  • Step 2

    Click on 'Get free quotes' and compare Galaxy Health Insurance Plans as per your needs.

  • Step 3

    Select and pay premiums online for the Galaxy health insurance plan of your choice.

  • Step 4

    Our team of insurance experts at PolicyX will assist you with claims and other queries post-purchase of your Galaxy Health Insurance plan.

Frequently asked questions

The 5 most-asked questions about Galaxy Health Insurance, answered.

Galaxy Health Insurance launched Galaxy Promise, its first maiden health product.
Yes, Galaxy Promise health plan offers maternity cover.
Galaxy Health Insurance provides 3 different plan variants Signature, Elite, and Premier Plan.
Yes, it does provide wellness benefits like Premium discount up to 20% at the time of renewal.
Galaxy Health Insurance Company Limited - is an IRDAI-licensed standalone Health Insurer. The Company is jointly promoted by renowned industrial house TVS family Shri. Venu Srinivasan, Chairman Emeritus of TVS Motor Company and Sundaram – Clayton Limited along with the family of Shri. V. Jagannathan, who was earlier CMD of United India Insurance Co. Ltd and the founder of Star Health & Allied Insurance Co. Ltd.

Compare Health Insurance Companies

Pick any two insurers to see a detailed side-by-side comparison.

Other Health Insurance Companies

Compare Galaxy Health Insurance mediclaim policies with other top insurers in India.

Customer satisfaction

Aggregate ratings from 59 verified PolicyX customers who bought a Galaxy Health Insurance plan.

4.8
out of 5
59 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

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.

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