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

About Galaxy Twin 360

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

Galaxy Twin 360 combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make health insurance relevant and usable even in years when hospitalisation does not occur.

Galaxy Twin 360 is designed for young adults and families looking for long-term health protection with preventive and wellness support. The plan offers lifelong renewability, flexible premium payment options, and access to digital healthcare services, helping policyholders stay protected and proactive about their health.

Galaxy Twin 360 is available in three plan variants based on coverage requirements:

Core – Entry-level option offering essential hospitalisation cover along with OPD benefits at a moderate premium.

Max – Mid-level option with higher sum insured, enhanced OPD limits, and broader coverage benefits.

Ultra – Comprehensive option with high sum insured, advanced features such as restoration benefits, and additional covers like maternity and newborn care.

If you are looking for a health insurance plan that not only protects you against high hospitalisation costs but also supports routine medical expenses and preventive care, Galaxy Twin 360 offers a balanced and modern approach to health insurance. Read below to understand the benefits, coverage structure, and key features of the plan in detail.

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

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 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

Other Details about Galaxy Twin 360

Before choosing Galaxy Twin 360, it is important to understand certain plan details that may impact coverage, claims, and long-term suitability. These factors help set the right expectations and enable informed decision-making.

  • Waiting Periods

    The plan comes with defined waiting periods. This includes an initial waiting period for illnesses, a waiting period for pre-existing diseases, and specific waiting periods for certain treatments and procedures. Coverage begins only after these waiting periods are completed.

  • Sub-limits and Coverage Caps

    Some benefits under the policy may have sub-limits or maximum caps. These may apply to room rent, ICU charges, OPD usage, specific treatments, or wellness benefits, depending on the plan variant chosen.

  • Co-payment Terms

    In certain situations, the policy may require the insured to bear a portion of the claim amount as co-payment. This could depend on factors such as age, treatment type, or hospital category, as defined in the policy wording.

  • Network Hospitals

    Cashless treatment is available only at network hospitals empanelled with Galaxy Health Insurance. Availability of network hospitals may vary by city and location.

  • Claims Process

    Claims can be settled through cashless or reimbursement modes, subject to policy conditions. Timely claim intimation and proper documentation are essential for smooth claim settlement.

  • OPD Usage Guidelines

    OPD benefits are subject to defined annual limits and usage rules. Unused OPD benefits typically do not carry forward to the next policy year.

  • Renewal and Premium Changes

    Premiums may change at renewal based on age, medical inflation, and underwriting guidelines. Wellness-linked discounts may apply if eligibility criteria are met.

  • Portability and Migration

    The plan allows portability from another health insurer, subject to regulatory guidelines. Waiting periods served under the previous policy may be credited as per policy rules.

Inclusions & exclusions

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

Inclusions

  • Galaxy Twin 360 is designed to cover both major medical emergencies and everyday healthcare needs. The plan goes beyond traditional hospitalisation-only coverage by integrating inpatient treatment, outpatient care, and wellness benefits, ensuring broader and more practical health protection for policyholders.
  • In-patient hospitalisation expenses, including room rent, ICU charges, and medical fees
  • Pre- and post-hospitalisation medical expenses
  • Day-care procedures and advanced medical treatments
  • OPD consultations, diagnostics, and prescribed medicines
  • Unlimited teleconsultations with doctors
  • Organ donor expenses during transplantation
  • AYUSH treatment (as per policy terms and limits)
  • Automatic restoration of sum insured (available in select variants)
  • Wellness benefits and preventive care services

Exclusions

  • Galaxy Twin 360 excludes non-medical, lifestyle-related, and legally restricted treatments, along with procedures not considered medically necessary. Some conditions are also not covered during waiting periods, so it is important to review policy terms carefully before claiming to avoid claim rejections
  • Hospitalisation solely for investigation or evaluation
  • Rest cure, rehabilitation, and respite care
  • Cosmetic or plastic surgery (unless medically necessary)
  • Obesity or weight-control treatments and procedures
  • Gender reassignment treatment or surgery
  • Treatment related to alcohol, drug, or substance abuse
  • Self-inflicted injuries or injuries due to breach of law
  • Treatment received at non-recognised hospitals or healthcare providers
  • Treatment at spa, nature-cure, or non-medical establishments
  • Expenses not directly related to medical treatment
  • Dietary supplements or substances not prescribed as part of treatment
  • Vaccination and immunisation (except post-bite treatment)

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

Other features & benefits

  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals

Galaxy Twin 360 Health Insurance Plan: FAQs

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: 16 Mar 2026 · Originally published: 16 Mar 2026

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