Galaxy Twin 360 is India's first health insurance plan that combines both Inpatient (IPD) and Outpatient (OPD) benefits in a single premium — making it useful every day, not just during hospitalisation. It also acts as a wellness companion with gym access, diet, nutrition, and mental wellbeing services.

Unlike regular policies that only cover hospitalisation, Galaxy Twin 360 guarantees OPD benefits equal to the full premium paid — so you get back the value of your premium every year in health services. It is the only plan that combines IPD, OPD, and wellness under one premium.

Adults between 18 and 45 years and dependent children from 91 days to 25 years are eligible. It can be taken on Individual, Multi-Individual, or Floater basis with a family size of up to 2 Adults and 3 Children (2A+3C).

Three plans are available — Core, Max, and Ultra. Sum insured ranges from ₹7.5 Lakhs (Core Individual) to ₹35 Lakhs (Ultra Floater), and premiums range from ₹10,000 to ₹40,000 per year.

Galaxy Twin 360 is available for 1, 2, 3, 4, or 5-year policy terms. Long-term policies offer discounts of 10%–15% on renewal year premiums, making multi-year plans more economical.

The Core Plan covers single standard A/C room rent, ICU including Digital ICU, all daycare procedures, road ambulance (₹2,500), organ transplantation up to sum insured, bariatric surgery up to ₹3 Lakhs, pre-hospitalisation (30 days) and post-hospitalisation (60 days), and 68 consumables.

The Ultra Plan upgrades room rent to any room (no limit), increases bariatric surgery to ₹6 Lakhs, adds automatic restoration of 100% sum insured, delivery expenses up to ₹50,000, newborn baby cover up to ₹1 Lakh, assisted reproduction treatment up to ₹2 Lakhs, and road ambulance at actuals.

The OPD cover includes unlimited tele-consultations, in-clinic doctor consultations with diagnostics, physiotherapy, prescribed pharmacy (Max & Ultra), dental, vision, vaccinations, diet & nutrition, mental wellbeing, and annual health check-up — all covered up to the base premium paid.

Core Individual: ₹10,000 OPD limit; Max Individual: ₹20,000; Ultra Individual: ₹30,000. For Floater, Core: ₹20,000; Max: ₹30,000; Ultra: ₹40,000 — all exactly equal to the base premium paid.

Tele-consultations, diet & nutrition, mental wellbeing, vision, health check-up, and wellness services are fully cashless. In-clinic consultations, physiotherapy, diagnostics, pharmacy, and dental have a 20% co-pay and can be claimed cashless or via reimbursement.

Galaxy Twin 360 provides physical gym access via a partner network (2–3 sessions/week), online fitness and health sessions, a Condition Management Program (3 months) for lifestyle diseases, and vitals monitoring via face scan — all available across Core, Max, and Ultra plans.

The network covers 1.35 Lakh+ in-clinic doctors across 4,900+ network hospitals, 21,000+ labs with home collection, pharmacy delivery across 16,700+ pin codes (Apollo, Wellness Forever, Pharmeasy), 78,000+ dental clinics across 589+ cities, and gym access in 1,470+ pin codes.

Core Plan gives 25% bonus per claim-free year up to 100%; Max Plan gives 25% per year up to 150%; Ultra Plan gives 50% per year up to 200%. This significantly grows your sum insured over the years without a claim.

Yes — AYUSH treatment is covered up to the full sum insured across all plans. Modern treatments with nanotechnology are covered up to 30% (Core), 50% (Max), or 100% of the sum insured (Ultra).

Yes — if the insured voluntarily donates an organ, a premium waiver of 1 year is given under the Core Plan and 2 years under the Max and Ultra Plans. This is a unique benefit encouraging organ donation.

Under Max and Ultra Plans, hospital cash of ₹500/day (Max) or ₹750/day (Ultra) is payable, up to a maximum of 7 days per hospitalisation and 14 days per policy period. Core Plan does not include hospital cash.

The initial waiting period is 30 days (applicable for both IPD and OPD). Both specific disease and pre-existing disease (PED) waiting periods are 24 months — shorter than most standard health policies.

Discounts include: up to 20% at renewal via the Gala Fit-Pro wellness program, No Claim Discount of 1%–2%, and long-term discounts of 10%–15% on 2- to 5-year policies. All three discounts can benefit a policyholder at renewal.

Yes — an additional OPD wallet of ₹2,500 is unlocked for insured persons with declared PED conditions such as Hypertension, Diabetes, Obesity, Hyperlipidaemia, PCOD/PCOS, or Asthma. The wallet can be used for specialist consultations, lab tests, pharmacy, and OPD procedures.

Yes — midterm inclusion is available under Galaxy Twin 360. New family members such as a newly married spouse or a newborn can be added during the policy year on a pro-rata premium basis.