Galaxy Guardian Plan

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      Galaxy Guardian Plan

      Galaxy Guardian plan has been designed to provide comprehensive coverage to individuals against a wide range of medical expenses. It covers the cost of outpatient medical consultations obtained by the insured while providing coverage for certain home treatments. It also encourages people to keep track of their health by offering preventive health check-up benefits.

      This Galaxy health insurance policy also comes with bariatric surgery cover, newborn baby cover, rehabilitation and pain management, cumulative bonus, etc., among other benefits.

      Galaxy Guardian Plan: Key Highlights 

      Categories Specifications
      Sum Insured ₹3 lakh, ₹5 lakh
      Policy Tenure 1 year, 2 years, 3 years
      Pre-acceptance Medical Screening Not required
      Pre-existing Diseases Waiting Period 3 years
      Discount Up to 12.5% long-term discount
      5% online discount
      Up to 3% no claim discount
      Co-payment 10% on all claims

      Benefits of Galaxy Guardian Plan

      Check out the key benefits of the Galaxy Guardian plan:

      1. OPD Cover

        Policyholders can avail OPD coverage for medical consultations on an outpatient basis under the Galaxy Guardian plan.

      2. Preventive Health Check-ups

        The Galaxy health insurance policy pays for preventive health check-ups availed at any network hospital of the insurer after every claim-free year.

      3. Coverage for Home Treatments

        This health insurance policy provides coverage for home care treatments availed for listed medical conditions like asthma, acute vertigo, etc., on the doctor’s recommendation.

      4. Cumulative Bonus/ No Claim Discount

        Policyholders can enhance their sum insured by 10% on every claim-free year under cumulative bonus benefit. Alternatively, they can also get a no claim discount of up to 3% on renewal premiums for not filing any claims in the previous policy year. However, policyholders need to opt for either a cumulative bonus or no claim discount at the time of purchasing this mediclaim policy.

      5. Tax Benefits

        The premium paid to buy a Galaxy Guardian plan is eligible for tax deductions under Section 80D, Income Tax Act.

      Galaxy Guardian Plan Eligibility Criteria

      Here is the eligibility criteria to buy a Galaxy Guardian plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 5 months
      Maximum Entry Age Adult – No age limit
      Child – 25 years
      Coverage Type Individual
      Renewability Lifetime

      Inclusions of Galaxy Guardian Plan

      The following coverage is included under the Galaxy Guardian plan:

      • In-patient Treatment – It pays for the cost of hospitalization of at least 24 hours, including room rent, ICU charges, doctor’s fees, nursing charges, etc.
      • Road Ambulance Expenses – It covers the charges incurred on availing ambulance services for transporting the insured to and from the hospital.
      • Pre-Hospitalization Expenses – It pays for the medical costs incurred for a maximum of 30 days before hospitalization.
      • Post-Hospitalization Expenses – It covers the medical costs incurred for a maximum of 60 days following the discharge from the hospital.
      • Day Care Procedures/Treatments – It pays for all day care treatments or procedures that require less than 24 hours of hospitalization.
      • Cataract Treatment – It covers the medical expenses incurred on the treatment of cataract, including pre-hospitalization and post-hospitalization expenses. 
      • Home Care Treatment – It pays for the medical treatments availed at home on the advice of the doctor.
      • Rehabilitation and Pain Management – It covers the medical costs resulting from rehabilitation and pain management for listed conditions.
      • Newborn Baby Cover – It pays for the hospitalization expenses of the newborn baby for the treatment of an illness or injury.
      • Bariatric Surgery – It covers the hospitalization expenses incurred on bariatric surgery and its complications, including pre-hospitalization and post-hospitalization expenses.
      • Modern Treatments – It pays for the cost of 12 modern treatments availed by the insured during the policy year.
      • AYUSH Treatment – It covers hospitalization costs incurred on availing AYUSH treatments in a government-recognized hospital.
      • Organ Transplantation Expenses – It pays for the in-patient hospitalization expenses resulting from organ transplantation treatment of the insured, including the cost of harvesting the donated organ.
      • Domiciliary Hospitalization – It covers the cost of medical treatments availed at home for more than 3 days that would generally require hospitalization on the advice of the doctor. 
      • Outpatient Consultation – It pays for outpatient medical consultations availed at any network hospital of the insurance company.

      Exclusions of Galaxy Guardian Plan

      The Galaxy Guardian plan comes with the following exclusions:

      • Dental treatments
      • Maternity expenses
      • Treatment for alcoholism or drug addiction
      • Sterility and infertility
      • Injuries resulting from adventure sports/ hazardous sports
      • Cosmetic or plastic surgery
      • Sexually transmitted diseases, except HIV AIDS
      • Intentional self-injury
      • Congenital external defects
      • Unproven treatments

      Galaxy Guardian Plan Waiting Periods

      Take a look at the waiting period applicable to the Galaxy Guardian plan:

      Category Waiting Period
      Pre-existing Diseases Waiting Period 3 years
      Specified Disease/Procedure Waiting Period 2 years
      Initial Waiting Period 30 days
      Newborn Baby Cover Waiting Period 1 year
      Bariatric Surgery Waiting Period 2 years
      Organ Transplantation Expenses Waiting Period 3 years

      Galaxy Guardian Plan - FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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