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Galaxy Promise Health Plan

Galaxy Promise is a comprehensive health insurance plan designed to pr ...Read More

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

About Galaxy Promise Health Plan

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

Lock in your premium until age 55.

Galaxy Health Insurance Company is the new standalone company in the insurance market. Galaxy Promise is the inaugural product, which gives comprehensive coverage and cashless hospitalization to the family and individual. It comes in three variants:

  1. Galaxy Promise Signature
  2. Galaxy Promise Elite
  3. Galaxy Promise Premier

Galaxy Promise offers a lifeline against escalating healthcare costs (10-15% annual increase) by providing financial security and preventive health measures. This plan is dedicated to the youngsters of India. It covers the gap and requirements of Gen-Z. Many standard insurance plans have a list of exclusions, which Galaxy's Promise Plan aims to include, such as rehabilitation, pain management, premium promise, and maternity benefits.

Plan at a glance

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

Entry age
16 days to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
730 days
Renewability
Lifelong
Policy term
1, 2, 3 Year

*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

  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement

Cons

  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism

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 Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment 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 Covered
  • Vaccination Not covered

Conditions & global

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

Galaxy Promise Health Insurance Benefits

With the Galaxy Promise health insurance, you will get unlimited benefits. Read below to understand:

  • Guaranteed premium rates till the age of 55.

  • You will get the facility to pay the premiums in installments.

  • Get women-centric coverage, which includes coverage for newborn babies and deliveries.

  • The wellness program "GALA FIT" encourages a healthy lifestyle.

  • Waive off your premium for organ donors.

  • It covers cataracts up to the sum insured.

  • Covers the cost of rehabilitation and pain management up to the sub-limit or a maximum of up to 20% of the sum insured, whichever is less.

Inclusions & exclusions

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

Inclusions

  • 100% coverageThis plan gives coverage for 68 consumables along with the admission, record, and insurance processing charges.
  • A promise of premiumThe main highlight of the plan, which we mentioned earlier also. If you buy the Galaxy Promise Plan, your premiums will not increase until you make a claim or turn 55 years old.
  • Insta Care coverProblems like asthma, high blood pressure, and high cholesterol are very common nowadays. Keeping this in mind, Galaxy Promise has come up with this plan, which gives you coverage for asthma, blood pressure, and cholesterol from the 31st day.
  • Unlimited restoration of the sum insuredYes, you read that right. With the Galaxy Promise health insurance, your sum insured will be reset unlimited times for any illness, disease, or injury.
  • Cumulative bonusYou will get a cumulative bonus of up to 500% if you do not opt for a claim in the policy year.
  • Delivery expenses coveredThis plan also covers the baby's delivery cost, whether it is normal or caesarean. This feature is highly beneficial for new mothers.

Exclusions

  • Pre and Post treatment expenses
  • Unproven, experimental or investigational sub-fertility services
  • Reversal of voluntary sterilization
  • Subsequent Pregnancy Treatment
  • Diagnostic Laparoscopy with Ovarian Drilling
  • Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
  • Payment for services rendered to a surrogate
  • Costs associated with cryopreservation and storage of sperm, eggs, and embryos
  • Selective termination of an embryo.
  • Services done at unrecognized centers
  • Procedures that enhance fertility like Tubal Occlusion.
  • Bariatric Surgery

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 16 Days
  • Max. Entry Age: 65 Years
  • Initial Waiting Period: 24 Months
  • Sum Insured: Up to 1 Cr

Other features & benefits

Bottom Line

A brand-new health insurance plan from Galaxy Health Insurance Company Limited, the Galaxy Promise, covers a wide range of medical expenses. The policy has three tiers: Signature, Elite, and Premier, each with varying coverage options and deductibles. You can get a free quote online by entering your details. Some of the key features include coverage for hospitalization expenses, chronic diseases, maternity, wellness programs, and discounts on premiums. The company's contact information and disclaimers are also provided on the webpage.

Galaxy Promise Health Insurance Plan: FAQs

The 4 most-asked questions about Galaxy Promise Health Plan, answered.

The policy term is usually one year, but you can renew it annually.
Galaxy Promise is a comprehensive health insurance plan offered by Galaxy Health Insurance Company Ltd. It provides financial protection against various medical expenses.
You can purchase a Galaxy Promise policy through authorized insurance agents or directly from the Galaxy Health Insurance website.
You can file a claim by submitting the required documents to the insurance company or through their online portal.

Health Insurance Articles

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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: 26 Nov 2024 · Originally published: 26 Nov 2024

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