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:
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OPD Cover
Policyholders can avail OPD coverage for medical consultations on an outpatient basis under the Galaxy Guardian plan.
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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.
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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.
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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.
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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
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Q1. Can I buy the Galaxy Guardian plan for my whole family?
Ans: You can buy the Galaxy Guardian plan for all your family members but on an individual sum insured basis, as the plan does not offer floater coverage.
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Q2. Does the Galaxy Guardian plan come with any sub-limits?
Ans: Yes. The Galaxy Guardian plan comes with sub-limits on room rent, home care treatments, modern treatments, etc.
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Q3. Can I opt for both cumulative bonus and no claim bonus under my Galaxy Guardian plan?
Ans: No. You can opt for either a cumulative bonus or no claim bonus discount at the time of buying the Galaxy Guardian plan and the same will be followed throughout the lifetime of the policy.
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Q4. Does the Galaxy Guardian plan pay for maternity expenses?
Ans: No. The Galaxy Guardian plan does not cover maternity expenses. However, you can claim hospitalization expenses incurred on the treatment of your newborn baby.
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Q5. Can I pay my Galaxy Guardian plan premium in instalments?
Ans: Yes. You can pay the premium of your Galaxy Guardian plan in quarterly and half-yearly instalments.
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*
Health insurance companies
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.
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