Galaxy Companion is a rider that offers personalised health management services for senior citizens, from claim to recovery. It assigns a Dedicated Health Manager (DHM) as a single point of contact for all health-related needs.

Individuals between 50 and 75 years of age are eligible, subject to the maximum entry age of the base policy. It covers 1 Adult (Individual) or 2 Adults (Floater) under the same rider.

No — Galaxy Companion is a rider and must be attached to a base Galaxy Health Insurance individual policy. It can be added at the time of first purchase or at the time of renewal.

Four plan tiers are available: Silver, Gold, Platinum, and Diamond — for both Individual and Floater policies. In total, there are 8 variants — 4 under Individual and 4 under Floater.

Only a 30-day initial waiting period applies — there is no specific disease or pre-existing disease (PED) waiting period. Accidents are covered from day 1.

The DHM is a single point of contact who helps book doctor consultations, arrange tele-consultations, schedule lab tests with home collection, arrange pharmacy delivery, and answer health-related queries. Personalised onboarding with a welcome call, initial visit, and quarterly check-ins is also provided.

The DHM coordinates the entire hospital journey from admission to discharge — arranging ambulance, liaising with the insurer, and keeping registered family members informed. It is available for planned hospitalisations, with unlimited virtual support and in-person visits based on the plan tier.

Yes — unlimited tele-consultations with a General Physician are available across all four plans (Silver, Gold, Platinum, Diamond) for both Individual and Floater. Consultations are available via video, audio, or chat on the digital platform.

Under the Individual plan: Diamond and Platinum offer 4 visits, Gold offers 2 visits, and Silver offers 1 in-clinic visit (up to ₹500) — home visit not available in Silver. Floater plans offer higher limits: Diamond and Platinum offer 6 visits, Gold offers 3 visits.

Yes — a qualified nurse can provide post-hospitalisation support at home if prescribed by the treating doctor. Services include wound care, medication administration, and vitals monitoring — with visits ranging from 1 (Silver) to 4/6 (Diamond) per policy year.

Yes — post-discharge physiotherapy sessions at home are covered for age-related conditions like arthritis, post-stroke rehabilitation, and mobility challenges. Diamond and Platinum Individual plans offer 4 sessions; Silver and Gold offer 1–2 sessions.

Yes — virtual psychologist sessions are available for conditions like loneliness, anxiety, grief, and cognitive decline, but only when provided by a certified psychologist. Diamond and Platinum offer 8 sessions; Gold offers 4; Silver does not include this benefit.

The Digital Wallet provides ₹4,000 (Individual) or ₹8,000 (Floater) per policy period for specialist tele-consultations, in-person doctor visits, diagnostics, and pharmacy. It is available only under the Diamond plan — the pharmacy sub-limit is ₹2,000 (Individual) or ₹4,000 (Floater).

Yes — road ambulance expenses up to ₹5,000 per policy year are covered under Diamond, Platinum, and Gold plans. Silver plan does not include road ambulance cover.

The Galaxy mobile app allows insured persons to book consultations, schedule lab tests, track health records, and get medication alerts. This feature is available across all four plan tiers.

Insured persons can upload and store all their medical records on the mobile application for easy access. This is available under all plans — Silver, Gold, Platinum, and Diamond.

Yes — quarterly online interactive sessions including yoga, meditation, brain games, expert talks, and festive celebrations are available across all plans. Notifications are sent by Email and SMS.

A 7-day structured program is provided for managing lifestyle diseases such as Hypertension, Diabetes, Obesity, and Gynaec wellness. This is available under all plan tiers.

Yes — ground-level claims support assists the insured and/or their caregivers in managing and submitting health insurance claims for a smooth experience. This is available under Diamond, Platinum, and Gold plans — not available under Silver.

As you move from Silver to Diamond, the number of home visits, nursing sessions, physiotherapy sessions, psychologist sessions, and hospital co-ordination visits progressively increase. The Digital Wallet (₹4,000/₹8,000) and road ambulance are exclusively available in higher-tier plans.