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Galaxy Health Insurance Galaxy Health Insurance ★ 4.8

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

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.

Why do we recommend this?
  • Gala-fit discount
  • Cost of nanotechnology covered
  • Exciting optional cover

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

A quick look at what this plan covers — and what it doesn't.

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

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

Frequently Asked Questions

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: 1 Jun 2026 · Originally published: 25 Mar 2025

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