Life has a funny way of taking us by surprise; some days bring happiness, while other days bring unexpected expenses. You know, the impromptu visits to the doctor or the medication that costs more than two people's dinner? This is where Galaxy Health Insurance comes in and helps you when it means the most.
What if your health plan truly seemed to be on your side? What if receiving assistance didn't involve prolonged waits, complex terminology, and hidden charges? Wouldn't it be comforting to know that you and your family are in good hands?
With plans that work in real life rather than just fine print, Galaxy isn't just another name in the pack; it was created for people just like you. Wondering how it works?
There's much more to uncover. Continue reading the article below; this could be the beginning of your path to simpler healthcare.
Features
of Galaxy Health Insurance
Galaxy Health Insurance maintains a simple yet trustworthy approach. Plan options are available for people, families, and even seniors, and coverage is broad. Claims are processed quickly, and the plans are affordable.
The policy's terms are flexible. They can be slightly modified to fit your needs rather than just what is being offered. In-patient hospitalisation, pre- and post-hospitalization expenses, daycare operations and ambulance charges are all covered. Some policies also cover alternative treatments such as Ayurveda and Homoeopathy.
You also receive cashless care at over 10,000 network hospitals. When you are in a pinch, that is a lot of options.
Benefits of Galaxy Health Insurance
Galaxy Health Insurance stands out due to a few factors.
➔ NCB
Your amount of coverage goes up every year that you don't make a claim, but your premium doesn't go up.
➔ Lifetime Renewal
The plan can continue for as long as you like. There are no awkward cut-offs.
➔ Simple Claims Procedure
Fast approval, fewer paperwork, and genuine individuals to contact in case of issues.
➔ Family Coverage
A single insurance can cover your parents, spouse, and children.
➔ Wellness Benefits
Certain programs include discounts for being active, fitness incentives, and yearly health examinations.
Top Plans offered by Galaxy Health Insurance
Here is a brief overview of their finest plans:
Galaxy Guardian
Individuals & families
Rs. 3 lakhs - Rs. 5 lakhs
Covers hospitalization, AYUSH, daycare, cashless, OPD rider
View Plan →
Galaxy Promise
Complete family coverage
Rs. 3 lakhs - Rs. 1 crore
Covers up to 6 members, family floater, maternity & newborn in Signature variant
View Plan →
Galaxy Marvel
Individuals & families
Rs. 5 lakhs - Rs. 2 crores
Covers hospitalization, AYUSH, modern treatments, daycare, cashless, maternity and newborn coverage
View Plan →
Galaxy Top-up
Custom coverage seekers
Rs. 5 lakhs - Rs. 2 crores
Flexible add-ons, premium promise locking, deductible options
View Plan →
Galaxy Health Insurance Plans in Detail
Let's examine the three most well-liked health insurance plans offered by Galaxy health insurance. Each serves a certain purpose based on your needs.
➔ Galaxy Guardian
This plan is best for individuals & nuclear families seeking affordable coverage:
- Premium: Starts at approximately Rs. 4,000/year for a Rs. 5 lakhs sum insured (30-year-old, non-smoker, metro city)
- Coverage Includes:
- Hospitalization (room rent, ICU, doctor fees, medications).
- Daycare procedures
- Ambulance charges
- AYUSH treatments
- Pre-hospitalization (30 days) & post-hospitalization (60 days).
- Extra Benefits:
- Cumulative bonus of up to 100% for claim-free years.
- Cashless claims across 12,000+ hospitals.
➔ Galaxy Promise
The Galaxy Promise plan is ideal for families looking for joint coverage in a single policy or for senior citizens.
- Premium: Around Rs. 9,000/year for a family of 4 with Rs. 10 lakh sum insured (young, healthy family). And premiums start at approximately Rs. 10,000/year for Rs. 3 lakh sum insured (65-year-old individual).
- Coverage Includes:
- In-patient hospitalization, ambulance cover, and certain domiciliary treatments
- Maternity cover (normal & C-section) after a 3-year waiting period.
- Newborn baby cover (from Day 16 after birth).
- Organ donor expenses, annual health check-ups.
- AYUSH treatments
- Pre-existing conditions covered after 1–3 years (depending on plan)
- Extra Benefits:
- No room rent restrictions in Signature variant
- Coverage for up to 6 family members (self, spouse, 3 children, 1 parent)
- Option to choose higher variants with wellness rewards and unlimited reinstatement
- No pre-policy medical check-up up to age 65s
- Access to a large hospital network for cashless claims
➔ Galaxy Marvel
This plan is well-suited for individuals and families that look for customizable, wellness-driven health insurance plans.
- Premium: Starting from Rs. 5000 a year and the sum insured can range from Rs. 5 lakhs to Rs. 2 crores.
- Coverage Includes:
- Hospitalization costs, daycare procedures, AYUSH treatments, modern therapies
- Maternity and new-born coverage
- Extra Benefits:
- Unlimited sum insured restoration benefit
- Annual health check-ups
- Online purchase bonus
Galaxy Health Insurance Plans Brochures
Eligibility Criteria
to Buy Galaxy Health Insurance Plans
Getting a Galaxy plan is simple. Here’s how:
1
Entry Age
For individuals, this typically begins at age 18. After 91 days, children can be added.
2
Senior Plans
Depending on the plan, the age limit may reach 70 years or even higher.
3
Family Floater
You can have a single plan that covers your parents, spouse, children, and yourself.
4
Medical tests
They are only required for older applicants or those with higher sums insured; otherwise, they are usually waived.
You should be able to get a Galaxy health insurance plan if you're healthy and of the right age. With a waiting period, pre-existing conditions can also be covered.
Why Should You Buy Galaxy Health Insurance Plans from SMC Insurance?
You could go directly to the insurance company. However, there are some genuine benefits to purchasing from SMC Insurance.
- Unbiased Advice: SMC is not affiliated with any one insurance company. You'll get varied options and honest comparisons.
- Claim Support: They are helpful not only when you purchase the coverage but also when you file a claim.
- No Additional Fees: With additional services, the premium is the same as that of the insurer. You're not spending extra money.
- Help With the Fine Print: The team provides a clear explanation of what you're getting into.
Basically, they help the procedure go more smoothly and are there for you in case something goes wrong.
How to File a Claim with a Galaxy Health Insurance Plan?
There are two ways to submit a claim with Galaxy Health Insurance: cashless and reimbursement. The procedure varies depending on whether you receive treatment at a network hospital or another facility.
➔ Cashless Claim Procedure
Since you don't have to pay the medical fees up front, this is the most convenient choice. Here's what you should do:
- Step 1: Visit a network hospital (you can call Galaxy's support or check their website for a list).
- Step 2: Present your policy number or Galaxy Health Card to the hospital's insurance desk.
- Step 3: Complete the pre-authorization paperwork. Usually, the hospital assists with this.
- Step 4: Galaxy gets the claim form from the hospital for approval.
- Step 5: After approval, the insurance company pays the hospital directly. You only pay for things that aren't covered, if any.
It is crucial to send the pre-authorization form for scheduled treatments at least two to three days prior to admission. If it's an emergency, do it within 24 hours of being admitted.
➔ Reimbursement Claim Procedure
This is applicable in cases when pre-authorization was not possible or when you received treatment at a hospital that is not part of the approved provider network. Here's what you should do:
- Step 1: At the time of discharge, pay the hospital bills.
- Step 2: Collect the discharge summary, all reports, prescriptions, and bills.
- Step 3: Request the claim form through customer service or download it from Galaxy health insurance's website.
- Step 4: Complete the form and attach the necessary documents.
- Step 5: Submit everything via courier, email, or through the Galaxy app/portal.
- Step 6: Galaxy reviews the documents. If everything goes across, your claim is deposited to your bank account.
Tip: File your claim as soon as possible, preferably within 7-15 days of discharge.
Documents Required for Claiming Galaxy Health Insurance
Here's what you'll typically need to submit:
- A copy of the policy or health insurance card
- Pre-authorization form (Cashless)
- Payment receipts and hospital bills
- Discharge summary
- Prescription drugs and diagnostic reports from the doctor
- A valid ID proof
- Bank account information (for reimbursement)
Remember to save a copy of the original documents until the claim has been processed.
How to Buy Galaxy Health Insurance Plans from SMC Insurance?
Everything is available online. No documentation. There is no need to run about.
Step 2
-
Select “Health Insurance” from the list of options available.
Step 3
-
Select either yourself or any family members that you want to include in your coverage. Mention their age as well.
Step 4
-
You will then be prompted to enter your mobile number and the location.
Step 5
-
Next, click on “View Quotes” and you will be taken to a screen that lists the best plans for you.
Step 6
-
From the list, choose any plan that interests you from Galaxy Health Insurance.
Step 7
-
Evaluate plans, check premiums, and select the best one.
Step 8
-
Enter a few details such as age, members, coverage, etc.
Step 9
-
Pay online, and that's all. Your policy will be emailed to you in a matter of minutes.
Note: If any insurer is not available on the list of options, you can connect with the advisers at SMC who are here to help you. There is no pressure or upselling.
With only a few clicks, you may purchase Galaxy Health Insurance plans from SMC Insurance. Easy, quick, and supervised by trustworthy individuals.
How to Renew Galaxy Health Insurance Plans from SMC Insurance?
It's quite simple to renew your Galaxy Health Insurance policy with https://www.smcinsurance.com/.No lengthy phone calls or paperwork. Just a couple of clicks. Here's how:
Step 2
-
On the screen that is visible, choose the “Renew Here” option.
Step 3
-
Enter your registered mobile number or policy number.
Step 4
-
SMC will pull out the details of your policy and display them on your screen. Go over the specifics of your plan. If necessary, you can also add riders or enhance coverage.
Step 5
-
Make your payment online.
Step 6
-
On successful payment, within minutes, you will receive an email and SMS with your renewed policy. You can save a copy of the same for future references.
Tip: Don't wait until the very last minute for policy renewal. To avoid medical checks or breaks in coverage, renew a week early.
Customer Support of Galaxy Health Insurance
Need help with something? Have to make a claim or want to change your policy? There are several ways to contact Galaxy Health Insurance's support staff:
- Number to Call: 1800 203 0007
- Email: support@galaxyinsurance.com
- WhatsApp: Accessible via their website
- App/Website Chat: Real-time assistance during business hours
- Offline: Visit any Galaxy health insurance branch in your locality.
Usually, responses are prompt, especially when using the app or through WhatsApp. Calling is the best option for urgent matters, such as claims.
For further detail here is the Galaxy Health Insurance Brochure-PDF
Wrapping Up,
Health emergencies do not give any warning. However, having the appropriate health insurance will free you from worrying about costs when you should be concentrating on getting better. With simple plans, decent benefits, and no complicated procedures, Galaxy Health Insurance keeps things easy. Also, you receive assistance at every stage when SMC Insurance is on your side, from selecting the best plan to efficiently resolving claims. To safeguard yourself for years to come, take a few minutes today. This is a choice you will be happy you made.
Health Insurance Companies
FAQ
Galaxy Health Insurance is owned and managed by Galaxy Health and Allied Insurance Company Limited. It's a registered health insurer under IRDAI.
It’s a standalone health insurance company that offers medical insurance plans for individuals, families, and groups. It covers hospital bills, treatments, and more.
Galaxy health insurance is a decent option if you're looking for simple plans and easy claim processes. Their network of hospitals is growing, and customer support is responsive.
It depends on what you need. If you want affordable, no-frills health coverage with digital convenience, it’s good. But always compare before buying.
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