Galaxy Top-up Plan

Galaxy Top-up Plan

Galaxy Top-up plan provides additional medical coverage to the policyholder in case their base health policy gets exhausted. It comes with a mandatory aggregate deductible that the policyholder needs to pay for the insurer to cover the claim amount. Moreover, the plan locks the premium at the time of policy purchase unless the policyholder files a claim or crosses 55 years of age.

This Galaxy Health insurance policy provides coverage for maternity expenses, including delivery charges, antenatal scans and pre-natal & post-natal expenses. It also comes with a consumables cover, air ambulance cover, bariatric surgery cover, durable medical equipment cover, etc.

Galaxy Top-up Plan: Key Highlights

Benefits of Galaxy Top-up Plan

Take a look at the key Galaxy Top-up plan benefits:

1. Locks the Premium

   With the Premium Promise benefit, the Galaxy Health Insurance Company promises not to increase the premium unless the policyholder completes 55 years of age or files a health insurance claim.

2. Coverage for Nanotechnology Procedures

   Unlike most health insurance plans, the Galaxy Top-up policy covers the treatments and surgical procedures obtained through nanotechnology.

3. Maternity Coverage

   Women planning their pregnancies can claim the maternity coverage available under this Galaxy health insurance policy to pay for their normal and C-section delivery charges, pre-natal & post-natal expenses and antenatal scans.

4. Coverage for Non-Medical Items

   This top-up health insurance policy covers the cost of consumables or non-medical items incurred during hospitalization, including registration charges, bandages, gloves, hospital gowns, syringes, etc.

5. 10% Wellness Discount

   Policyholders can earn a wellness discount of up to 10% on renewal premiums by accumulating over 850 wellness coins under the Gala Fit – Pro-Active Care program.

6. Tax Benefits

   The premium paid to purchase a Galaxy top-up policy can be claimed for tax deductions under Section 80D of the Income Tax Act.

Galaxy Top-up Plan Eligibility Criteria

Check out the eligibility criteria for buying a Galaxy Top-up plan:

Inclusions of Galaxy Top-up Plan

The Galaxy Top-up plan comes with the following inclusions:

• In-patient Treatment – It covers the cost of getting hospitalized for at least 24 hours, including room rent, doctor's fees, ICU charges, nursing charges, and diagnostic test charges, among others.
• Road Ambulance – It pays for the medical expenses incurred on transporting the patient to a hospital or from the hospital to their residence.
• Air Ambulance – It covers the cost of availing ambulance services via helicopter or aeroplane to transport the patient to a hospital during emergencies.
• Pre-Hospitalization Expenses – It pays for healthcare costs incurred for up to 60 days before being admitted to a hospital.
• Post-Hospitalization Expenses – It covers the medical costs incurred for up to 90 days after being discharged from the hospital.
• Day Care Procedures/ Treatments – It pays for the cost of all day care treatments or procedures obtained by the insured.
• Delivery Expenses – It covers the maternity expenses incurred on delivery charges, pre-natal & post-natal expenses and antenatal scans (of the 12th and 20th weeks of pregnancy).
• AYUSH Treatment – It pays for the cost of getting hospitalized at an AYUSH hospital to avail treatment through Unani, Siddha, Ayurveda, Homeopathy, and Yoga & Naturopathy systems of medicines.
• Modern Treatment – It covers the medical expenses incurred on obtaining 12 modern treatments, including immunotherapy, deep brain stimulation, oral chemotherapy, etc.
• Nanotechnology – It pays for the in-patient treatments or surgical procedures of the insured involving nanotechnology.
• Bariatric Surgery – It covers the hospitalization expenses resulting from bariatric surgery, including pre-hospitalization and post-hospitalization expenses.
• Organ Transplantation Expenses – It pays for the in-patient hospitalization costs resulting from undergoing an organ transplant surgery, including donated organ harvesting expenses.
• Consumables Cover – It covers the cost of non-medical items, including baby food, admission charges, bandages, diaper charges, syringes, etc., incurred during hospitalization.

Optional Covers:

• Premium Promise – It locks the premium at the time of buying the policy unless the policyholder raises a claim or completes the age of 55 years.
• Room Rent Enhancement – It allows the insured to opt for any hospital room during hospitalization instead of a single private AC room.
• Durable Medical Equipment/ CAPD – It pays for the cost of durable medical equipment, including ventilator, wheelchair, infusion pump and prosthetic device, used during hospitalization.

Exclusions of Galaxy Top-up Plan

The following expenses are excluded under the Top-up plan:

• OPD treatments
• Dental treatments
• Treatment for alcohol or drug addiction
• Dietary supplements and substances
• Sterility and infertility
• Cosmetic or plastic surgery
• Intentional self-injury
• Treatment for injuries sustained due to hazardous or adventure sports
• Sexually Transmitted Diseases (STD) except HIV AIDS

Galaxy Top-up Plan Waiting Periods

Here are the waiting periods applicable to the Galaxy Top-up plan:

Galaxy Top-up Plan - FAQs