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Galaxy Top-up Health Insurance Plan

Galaxy Top-up plan by Galaxy Health Insurance Company is a top-up heal ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
71+
Pan India presence
98.9%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.8/5 · 59 reviews
🏥 3,216+ hospitals
📊 4.70 solvency ratio
✅ 98.9% claim settlement

About Galaxy Top-up Health Insurance Plan

A quick read on what this Galaxy Health Insurance plan covers and why it might be a fit for you.

Galaxy Top-up plan by Galaxy Health Insurance Company is a 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 high sum insured options to innovative benefits like premium stability, aiming to deliver peace of mind and financial security during challenging times.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Adult: 18 years to 65 years, Dependent children: 16 days to 25 years
Plan type
Top Up and Super Top Up
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹50 L, ₹1 L, ₹2 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Family coverage
  • Flexibility in deductible
  • Digital ICU coverage

Cons

  • Investigation and evaluation
  • Cosmetic surgery
  • Unproven treatments

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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

  • 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. You can choose between half-yearly, quarterly, or monthly options to pay the premiums.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • 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

Exclusions

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Sterility and Infertility
  • Specified diseases - 1 year
  • PED - 1 year
  • Organ transplant expenses - 1 year
  • Bariatric surgery - 1 year
  • Delivery expenses - 2 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: - 18 years
  • Max entry age: - 65 years
  • SI: - INR 5 L to 2 Cr
  • Waiting Period: - 30 days

Other features & benefits

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 coverage for a single private room with AC.

  • Digital ICU

    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.

Galaxy Top-up Health Insurance Plan: FAQs

The 8 most-asked questions about Galaxy Top-up Health Insurance Plan, answered.

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.
If you are 18 years of age or older, then you are eligible for this plan.
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.
Yes, pre-existing conditions are covered after a specified waiting period, which is typically outlined in the policy terms.
Yes, the plan covers family members.
The claim process involves notifying the insurer, submitting required documents, and getting approval for cashless or reimbursement claims.
The renewal process involves paying the renewal premium before the policy expires to continue coverage.
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.

Conclusion

A budget-friendly top-up plan that boosts your base cover, useful for high medical costs.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 25 Mar 2025 · Originally published: 25 Mar 2025

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