Galaxy Top-up Insurance Policy

Boost your health coverage with an affordable top-up plan.

Plan Overview

Galaxy Top-up Insurance Policy is designed to provide additional coverage over and above your existing health insurance policy or a deductible amount. It allows you to select a deductible that suits your needs and budget.

Key Features

Flexible Deductible

Choose a deductible that matches your existing coverage.

High Sum Insured

Get higher coverage at a lower premium.

Detailed Features

In-patient Hospitalization

Covers expenses for room rent, boarding, nursing, ICU, surgeon's fees, etc.

Pre & Post Hospitalization

Covers medical expenses incurred 30 days before and 60 days after hospitalization.

Day Care Procedures

Covers medical expenses for procedures requiring less than 24 hours of hospitalization.

Organ Donor Expenses

Covers medical and surgical expenses for organ harvesting from a donor.

Domiciliary Hospitalization

Covers medical treatment taken at home if a hospital bed is unavailable.

Ambulance Cover

Covers expenses for ambulance services to transport the insured to the hospital.

Unique Selling Points (USP)

Enhanced Coverage

Get higher sum insured at an affordable premium, extending your existing health cover.

Cost-Effective

A more economical way to increase your health coverage compared to a new base policy.

Tax Benefits

Premiums paid are eligible for tax deductions under Section 80D of the IT Act.

Lifelong Renewability

Enjoy continuous coverage with lifelong renewability option for peace of mind.

Eligibility & Key Highlights

Eligibility Criteria
  • Entry Age: 18-65 yrs (Adult), 91 days-25 yrs (Child)
  • Relationships: Self, Spouse, Kids, Parents, In-laws
  • Renewability: Lifelong renewal available
Plan Highlights
  • Policy Type: Top-up Coverage
  • Check-up: May be required for 50+ age
  • Portability: Porting option available

Comprehensive Policy Benefits

  • In-patient Care: Covers room rent, boarding, nursing, and ICU expenses.
  • Medical Staff Fees: Surgeon, Anesthetist, Medical Practitioner fees included.
  • Diagnostic Tests: X-ray, dialysis, chemotherapy, and radiotherapy covered.

  • Emergency Ambulance: Reimbursement for ambulance charges as per terms.
  • Pre & Post Hospitalization: Coverage for specified periods around admission.
  • Organ Donor: Costs for organ harvesting are covered under the plan.

Exclusions

The policy does not cover the following:

  • Pre-existing Diseases
    Diseases diagnosed within a specified waiting period from policy inception.
  • Specific Diseases
    Certain diseases and treatments have an initial waiting period.
  • Cosmetic Surgery
    Any treatment or surgery for cosmetic purposes.
  • Dental Treatment
    Unless necessitated by an accident and requiring hospitalization.
  • Self-inflicted Injuries
    Injuries sustained due to suicide attempts or self-harm.
  • War or Nuclear Perils
    Any claim arising from war, invasion, or nuclear contamination.

Downloads & Resources

Product Brochure
Detailed plan benefits
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Product Page
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