Caution Notice : Our client, Galaxy Health Insurance Company Limited (formerly known as Galaxy Health and Allied Insurance Company Limited), is the sole owner of the trademark "Galaxy Health" and the only authorised entity permitted to use this trademark and all its variants in connection with its business. The exclusive rights to use this trademark for branding and commercial purposes rest solely with Galaxy Health Insurance Company Limited. ...

Caution Notice : Our client, Galaxy Health Insurance Company Limited (formerly known as Galaxy Health and Allied Insurance Company Limited) , is the sole owner of the trademark "Galaxy Health" and the only authorised entity permitted to use this trademark and all its variants in connection with its business. The exclusive rights to use this trademark for branding and commercial purposes rest solely with Galaxy Health Insurance Company Limited. ...

The Company wishes to alert the public that unscrupulous fraudsters may create fake websites by using various prefixes, suffixes, or minor modifications to the official domain in an attempt to confuse and mislead consumers for fraudulent financial gain. These fake websites may imitate the official layout, content, and even display details of individuals associated with the company to falsely endorse their operations.

Please Take Note:

The only verified and legitimate online portal of Galaxy Health Insurance Company Limited is: www.galaxyhealth.com.
All genuine communications, transactions, and information will originate exclusively from the official website.

Galaxy Health Insurance Company Limited is actively working with law enforcement agencies and pursuing legal action against any fraudulent activities that seek to misuse its brand identity. The public is urged to exercise vigilance and caution when accessing online platforms to prevent being misled by counterfeit websites.

If you encounter any suspicious website or receive communication that appears to falsely represent Galaxy Health Insurance Company Limited, please report the matter immediately using the contact details below:

KRIA Law 10, St Ebbas Ave, Kattukoil Garden, Mylapore,
Chennai, Tamil Nadu - 600 004.
Email: lit@kria.law | Contact Number: 044 - 4313 5290

Thank you for your attention and cooperation.

Your Trustworthy Partner In Health Insurance

Get 360 Degree Healthcare Protection For
You And Your Loved Ones

Comprehensive Coverage

Safe and Self Secure

Your Trustworthy Partner In Health Insurance

Get 360 Degree Healthcare Protection For
You And Your Loved Ones

Comprehensive Coverage

Safe and Self Secure

Why Galaxy Health Insurance

Comprehensive Coverage:

From individual to family plans, Galaxy Health Insurance provides extensive coverage options.

Cashless Hospitalization:

Access cashless treatment at numerous network hospitals

Women-Centric Benefits:

Special coverage for maternity, newborn care, and assisted reproduction treatments

Wellness Programs:

The "GALA FIT – PRO ACTIVE CARE" program promotes a healthy lifestyle with premium discounts

Galaxy Health Insurance Plan vs Other Market Health Insurance Plan

Plan Features	Galaxy Health Insurance	Other Health Insurance
First in Industry Premium Waiver for Voluntary Organ Donor
Consumables (68 consumables + Admission, Record and Insurance processing charges)
First in Industry Comprehensive Organ Donor & Organ Transplantation
Treatment for Sleep Disorder
First in Industry Digital ICU

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Galaxy Promise:

We promise comprehensive coverage with engaging wellness benefits crafted with a customer centric approach across Signature, Elite and Premier plans

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Galaxy Guardian:

“Galaxy Guardian is your ultimate policy for protecting your health and assuring peace of mind. Galaxy Health Insurance is committed to the philosophy of “Everything for Everyone", ensuring coverage for individuals with Customized features.”

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Galaxy Smart Outpatient (Rider):

It is designed to provide unparalleled financial protection offering comfort and peace of mind for you and your family for outpatient expenses. A smart customer like you makes a smarter decision for a healthier tomorrow.

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Galaxy Top-up:

Galaxy Top-up - Enhance your coverage with this top-up Health Insurance policy, which works alongside your existing plan to provide additional Sum Insured at a budget-friendly premium.

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Galaxy Personal Accident Shield:

It is a comprehensive insurance plan designed to provide financial security against unforeseen accidents. Offering both Individual and Floater options, this policy ensures protection for individuals as well as families under a single cover.

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What is Health Insurance?

Health Insurance covers medical and surgical expenses, protecting you from high healthcare costs. It ensures you can afford necessary care without draining your savings. You get access to a network of quality healthcare providers. It offers peace of mind by covering medical emergency expenses, reducing stress. Plus, it promotes preventive care to keep you healthy.

What You Will Get From Health Insurance?

Shield your health and wallet with essential Health Insurance. Enjoy coverage for doctor visits, hospital stays, surgeries, and meds. Benefit from preventive care, maternity and newborn services, and rehab support. Plus, unlock wellness programs for a healthier you. Stay protected and financially secure

Why Health Insurance is Required?

Tax Benefits

Health Insurance not only protects your health but also provides tax benefits. Under Section 80D of the Income Tax Act, you can claim deductions on insurance premiums: ₹25,000 for individuals below 60 years. ₹50,000 for senior citizens. Extra ₹25,000 for parents below 60 years. Extra ₹50,000 for parents above 60 years. These benefits lower your tax burden, helping you save money while keeping your family insured.

Handle Medical Cost

Health Insurance helps reduce the financial burden of medical expenses. Here's how: Deductibles: They lower your premium costs while requiring you to share some expenses. Health Insurance gives you peace of mind, knowing that you and your family are protected from unexpected medical costs. It allows you to focus on recovery without financial stress.

Medical Facilities

Health Insurance gives you access to a network of top hospitals, clinics, and experienced doctors. Many plans offer cashless treatment, so you can get medical care without upfront payments. This ensures you receive timely and hassle-free treatment when needed.

Factors You Should Consider Before Buying a Health Plan

Premium

The premium is the amount you pay for your Health Insurance. While it's tempting to choose a plan with the lowest premium, remember that lower premiums often comes with higher out-of-pocket expenses

Coverage and Benefits

Review what the plan covers, including hospitalization, outpatient care, prescription drugs, preventive services, and mental Health services. Ensure the plan meets your Healthcare needs and covers any specific treatments or medications you require

Network of Providers

Check if your preferred doctors, hospitals, and specialists are included in the plan&network. Using out-of-network providers can result in higher costs or no coverage at all

Additional Benefits

Look for additional benefits such as wellness programs, telemedicine services, and discounts on health-related products and services. These can add value to your plan and support your overall well-being

Tax Benefits

Health Insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. This can help reduce your tax burden income and provide financial savings

Customer Service and Support

Consider the quality of customer service provided by the insurance company. Good customer support can help you navigate the complexities of Health Insurance and resolve any issues that arise

Why Should You Get the Health Insurance Policy at an Early Age?

Lower Premiums

One of the most significant advantages of buying Health Insurance early is the lower premium costs. Younger individuals are generally healthier and pose a lower risk to insurers, resulting in more affordable premium with wider coverage.

Comprehensive Coverage

When you are young and healthy, you are more likely to qualify for comprehensive coverage without exclusions for pre-existing conditions. This ensures you have access to a wide range of medical services and treatments

Overcoming the Waiting Period

Health Insurance policies often have waiting periods for certain treatments and preexisting conditions. By getting insured early, you can complete these waiting periods sooner and be fully covered when you need it

Cumulative Bonus

Many Health Insurance plans offer Cumulative bonus, which increase your coverage amount for every claim-free year. Starting early allows you to accumulate these bonuses over time, enhancing your coverage

Better Financial Planning

Having Health Insurance from a young age helps you to plan your financials better. It ensures that you are prepared for any medical emergencies without having to dip into your savings or take on debt

Avoiding Medical Check-ups

When you are young, insurers may not require extensive medical check-ups to approve your policy.This makes the process of getting insured quicker and easier

Fewer Chances of Rejection

As you age, the likelihood of developing health issues increases, which can lead to higher chances of policy rejection or exclusions.Getting insured early minimizes this risk

Peace of Mind

Knowing that you are covered for medical emergencies provides peace of mind. It allows you to focus on your career and personal goals without worrying about unexpected healthcare costs

Factors that Influence Health Insurance Premium

Age

Age is one of the most significant factors. Generally, the older you are, the higher your premiums. This is because older individuals are more likely to require medical care and prone to develop chronic illnesses

Health Condition

Your current Health status and medical history plays a vital role. Pre-Existing Diseases or a history of frequent medical treatments can lead to higher premiums

Lifestyle Habits

Habits such as smoking, excessive alcohol consumption, and lack of exercise can increase your premiums. These habits are associated with higher health risks and medical costs

Geographic Location

The cost of Healthcare varies by zones, affecting your premiums. Zones with higher medical costs or limited access to healthcare facilities may have higher premiums

Is it a Good Idea to Buy Health Insurance Online

Convenience

You can compare and purchase Health Insurance plans from the comfort of your home, at any time that suits you

Easy Comparison

Online platforms allow you to compare multiple plans side-by-side, making it easier to find one that fits your needs and budget

Access to Information

Detailed information about each plan, including coverage, exclusions, and premiums, is readily available online

Cost-Effective

Online plans often come with lower premiums due to reduced administrative costs and the absence of intermediaries

Instant Quotes

You can get instant quotes and see the premium amounts for different plans, helping you make a quick decision

Customer Reviews

Access to customer reviews and ratings can provide insights into the experiences of other policyholders

Paperless Process

The entire process, from application to policy issuance, is paperless, reducing the hassle of paperwork

Cashless Claim Process in Health Insurance

Initiating

Insured contacts Network Hospital Insurance Desk with Health Card / Policy details

Submission

Hospital submits the duly filled Pre - authorization form to the Galaxy Health Insurance with policy details

Claim Processing

Claim processing as per policy terms and conditions

Decision

Approval / Query / Rejection / Denial

Initiating

Insured contacts Network Hospital Insurance Desk with Health Card / Policy details

Submission

Hospital submits the duly filled Pre - authorization form to the Galaxy Health Insurance with policy details

Claim Processing

Claim processing as per policy terms and conditions

Decision

Approval / Query / Rejection / Denial

Network Hospitals Provider

Locate Cashless Hospital Near You

Factors Determining Premium

Age

Premiums generally increase with age due to the higher risk of Health issues and medical expenses

Health Condition

Pre-existing conditions and overall health status significantly impact premiums. Healthier individuals typically pay lower premiums

Lifestyle

Habits such as smoking, alcohol consumption, and physical activity levels affect premiums. Risky behaviors lead to higher costs

Type of Plan

The type of Health Insurance plan (individual, family floater, critical illness cover, etc.) influences the premium. More comprehensive plans with broader coverage tend to be more expensive

Coverage Amount

Higher Sum Insured amounts result in higher premiums. It's essential to choose a coverage amount that balances cost and protection

Geographical Location

Medical costs vary by location, affecting premiums. Some zones with higher healthcare costs typically have higher premiums

Policy Tenure

Longer policy tenures may offer discounts on premiums, making them more cost-effective in the long run

Family Size

Policies covering more family members usually have higher premiums. Family floater plans, however, might be more economical than individual plans for each member

Add-ons and Riders

Additional benefits like personal accident cover, hospital cash, Reduction of PED, OPD, etc may increase the premium

Reasons Why You Should Buy Health Insurance

Rising Healthcare Costs

Medical expenses, including hospitalization, surgeries, and diagnostic tests, are increasing rapidly. Health Insurance helps mitigate these costs, ensuring you don't have to deplete your savings

Access to Quality Healthcare

Health Insurance provides access to better healthcare facilities and treatments without worrying about the financial burden. This includes consultations with top doctors and advanced medical procedures

Protection Against Critical Illnesses

Many Health Insurance plans offer coverage for critical illnesses like cancer, heart disease, and kidney failure. This ensures you receive the necessary treatment without financial stress

Family Well-Being

Family floater plans cover all family members under a single policy, ensuring comprehensive protection for your loved ones

Preventive Care and Wellness Programs

Some Health Insurance plans include preventive care benefits like regular health check-ups and wellness programs, helping you maintain good health

Cashless Treatment

Health Insurance policies often provide cashless treatment at network hospitals, where the insurer directly settles the bills with the hospital, reducing out-of-pocket expenses

Tax Benefits

Premiums paid for Health Insurance are eligible for tax deductions under Section 80D of the Income Tax Act, providing financial relief

Peace of Mind

Knowing that you have financial support in case of medical emergencies brings peace of mind, allowing you to focus on recovery rather than worrying about expenses

More Things About Health Insurance

Health Insurance in India provides financial protection against medical expenses, covering hospitalization, surgeries, and medications. It includes various plans like individual, family floater, and critical illness insurance. Policies often have waiting periods for pre-existing conditions. The sector is growing rapidly, driven by rising healthcare costs. Understanding policy terms and coverage is essential for effective utilization. Health Insurance promotes access to quality healthcare and reduces the financial burden of medical emergencies.

Advantages of Buying Health Insurance Online

Paperless Documentation

Buying Online Health Insurance offers several advantages, including convenience, easy comparison, access to detailed information, cost-effectiveness, instant quotes, customer reviews, and a paperless process.

Comparative Analysis

Online platforms allow you to compare multiple policies from different insurers.You can evaluate premiums, coverage, exclusions, and benefits side by side.

Cost Savings

It allows you to compare and purchase Health Insurance plans from your home, making it easier to find one that fits your needs and budget.

Transparency

Online platforms also provide detailed coverage, exclusions, and premiums, making them cost-effective. Instant quotes and premium amounts can help make quick decisions.

Quick Processing

Customer reviews provide insights into other policyholders experiences, while the paperless process from application to policy issuance reduces paperwork hassle.

Customization

Customise your health insurance policy to suit your needs. Select your coverage options, add benefits and buy the Health Insurance Plan

Reasons and Benefits of Buying Health Insurance Plan

Health Insurance is a crucial component of financial planning and well-being.

It offers financial protection against high medical costs, ensuring that you don't have to deplete your savings or go into debt to pay for medical care.

Health Insurance provides access to quality healthcare facilities, including top hospitals, specialized clinics, and experienced doctors.

Many plans offer cashless treatment options, ensuring timely and efficient medical attention when needed.

Investing in Health Insurance also offers significant tax benefits under Section 80D of the Income Tax Act.

Individuals below 60 years of age can claim deductions on premiums, while senior citizens can claim deductions up to ₹50,000.

Health Insurance helps manage and mitigate the financial burden of medical expenses by lowering premium costs and ensuring that you share a portion of the expenses.

How to Pick a Suitable Health Insurance

Identify Your Requirements and Budget:

Assess your health needs and financial situation. Consider factors like age, medical history, and the number of family members to be covered

Understand Inclusions and Exclusions:

Carefully read the policy documents to know what is covered and what is not. This includes hospitalization, pre and post-hospitalization expenses, daycare procedures, and more

Look for Network Hospitals:

Ensure that the insurer has a wide network of hospitals, especially those near your residence, to avail cashless treatment

Select the Right Sum Insured:

Choose a Sum Insured that adequately covers potential medical expenses. Consider the rising costs of healthcare while making this decision

Check for Additional Benefits:

Look for policies that offer additional benefits like free health check-ups, no-claim bonus, and wellness programs

Read Reviews and Ratings:

Check customer reviews and ratings of the insurer to understand their service quality and customer support

Key Factors to Consider Before Buying Health Insurance

Coverage Options

Ensure the plan covers a wide range of medical expenses, including hospitalization, Pre and Post-hospitalization, Day care procedures, and critical illnesses

Sum Insured

Choose a Sum Insured that is adequate to cover potential medical expenses. Higher coverage might be necessary for families or individuals with specific health conditions

Network Hospitals

Check the insurer's network of hospitals. A larger network ensures you can avail cashless treatment at more locations

Claim Settlement Ratio

This ratio indicates the percentage of claims the insurer has settled. A higher ratio suggests a reliable insurer

Waiting Periods

Be aware of the waiting periods for pre-existing diseases and specific treatments. Shorter waiting periods are preferable

Premium and Affordability

Compare premiums across different plans to find one that offers good coverage at an affordable price. Remember, the cheapest plan isn't always the best

Add-ons and Riders

Consider additional benefits like maternity cover, critical illness cover, and personal accident cover. These can provide extra protection tailored to your needs

Flexibility and Renewal Age

Check the maximum renewal age and whether the plan offers lifelong renewability. This ensures you remain covered as you age

Customer Service

Good customer service is crucial for hassle-free claim processing and support. Check reviews and ratings of the insurer's customer service

Fast Claim Process

Exceptional service and peace of mind.
Highly recommended!

Why Buy Health Insurance Earlier?

Buying health insurance early can lead to lower premiums and better coverageoptions, as younger individuals typically face fewer health issues.

Additionally, securing a policy early can help avoid potential waiting periods for pre-existing conditions and ensure financial protection in case of unexpected health events.

Procedure For Health Insurance Claims

Cashless claims

The insurer directly settles the
medical bill with the hospital.

Quick Claim Approvals – Get approvals within minutes for emergency treatments.

Wide Network Coverage – Access thousands of hospitals across the country.

24x7 Claim Assistance – Round-the-clock support for hassle-free processing.

Reimbursement claims

The insurer reimburses you for the eligible
expenses after deductions.

Pay First, Claim Later – Settle hospital bills and get reimbursed quickly.

Simple Documentation – Submit required bills and reports with ease.

Fast Processing – Quick turnaround time for claim approvals.

Documents Required for Health Insurance Claims

Claim Form

Best Health Insurance Plans

Policy Documents

It provides benefits like hospitalization coverage, cashless treatment, and critical illness protection, reducing out-of-pocket costs

Medical Records