Galaxy Twin 360 Health Insurance Plan: Coverage & Benefits
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Galaxy Twin 360

Galaxy Twin 360 is a health insurance plan that covers inpatient hospi ...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 Twin 360 is a health insurance plan that covers inpatient hospitalization, outpatient treatment, and wellness support in one policy. The plan is designed for "all-round healthcare," covering diverse needs from diagnostics to advanced modern treatments. Available in Core, Max, and Ultra tiers, it provides flexible, innovative protection for families.

Why we recommend this plan:

  • Long-term policies offer significant premium discounts.
  • Automatic restoration benefit.
  • Advanced treatments like nanotherapy are covered.

Plan at a glance

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

Entry age
Adult: 18 years Children: 90 days
Plan type
Individual and Family Health Insurance
Sum insured options
₹7 L, ₹10 L, ₹15 L, ₹30 L
Waiting period
30 days
Renewability
Lifelong beyond age 45 years
Policy term
1/2/3/4/5 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

  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration

Cons

  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history

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 Not covered
  • Cataract Covered

Bonuses & restoration

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

  • Adults: 18 years to 45 years Children: 90 days to 18 years

Frequently Asked Questions

The 9 most-asked questions about Galaxy Twin 360, answered.

Galaxy Twin 360 covers in-patient hospitalisation expenses along with OPD consultations, diagnostics, prescribed medicines, and wellness benefits, depending on the plan variant chosen.
Yes. The plan includes OPD benefits such as doctor consultations and diagnostics that can be used even when there is no hospitalisation.
Adults aged 18 to 45 years can purchase the policy. Dependent children from 91 days up to 25 years can be included under the same policy.
The plan has an initial waiting period for illnesses, a waiting period for pre-existing diseases, and specific waiting periods for certain treatments, as defined in the policy terms.
Yes. Hospitalisation coverage is limited to the sum insured chosen under the Core, Max, or Ultra plan variant.
Claims can be made through cashless treatment at network hospitals or through reimbursement, subject to policy conditions and timely claim intimation.
Yes. Galaxy Twin 360 offers lifelong renewability, provided the policy is renewed without a break.
No. Wellness benefits are optional and are designed to encourage preventive care. Not using them does not affect core coverage.
This plan is suitable for individuals and families seeking a combination of hospitalisation coverage, OPD benefits, and preventive healthcare in a single policy.

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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: 17 Jul 2026 · Originally published: 16 Mar 2026

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