About Galaxy Marvel Plan
Galaxy Marvel plan provides hcomprehensive coverage to individuals and families by covering certain pre-existing diseases (PEDs) from the 31st day of the policy. It lets the insured lock their entry premium until 55 years of age, or unless a claim is filed with the Premium Promise benefit. The plan also allows policyholders to use the next year’s sum insured for the current year’s claim in a 5-year policy with the Advance Access benefit.
Galaxy Marvel Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹2 crore |
| Pre-Policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 2 years, 3 years |
| Discounts | Up to 80% voluntary aggregate deductible discount Up to 50% voluntary co-payment discount Up to 20% wellness discount 15% preferred partner network discount 15% NRI/OCI discount Up to 15% long-term discount Up to 15% room rent modification discount Up to 15% specific diseases/treatments sub-limit discount 5% online purchase discount Up to 4% no claim discount 2.5% early renewal discount |
| Co-payment | 20% for reimbursement OPD claims 20% on pharmacy reimbursement claims 15% on obtaining treatment outside the |
or select from popular citiessPromise - Premier Features
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Key Benefits of Galaxy Marvel Plan
Galaxy Marvel Plan Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt covers the cost of surgery, room rent, ICU charges, nursing charges, etc., if the insured is hospitalised for at least 24 hours.
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Day Care Procedures/TreatmentIt covers medical expenses incurred on all day care treatments requiring less than 24 hours of hospitalisation due to medical advancements.
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Pre-Hospitalisation ExpensesIt pays for the insured’s medical expenses for up to 90 days immediately before hospitalisation.
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Post-Hospitalisation ExpensesIt covers medical costs of the insured for up to 180 days after discharge from the hospital.
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Modern TreatmentsIt pays for in-patient or day care treatment expenses incurred on availing 12 modern treatments, including pre & post-hospitalisation expenses.
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NanotechnologyIt covers hospitalisation expenses incurred on surgeries or treatments involving nanotechnology.
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Intentional Self-injuryIt excludes the treatment cost for any injuries caused intentionally by the insured.
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Rest Cure, Rehabilitation and Respite CareIt does not cover the expenses incurred on treatments taken for bed rest that are not medically necessary.
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Treatment for Alcoholism, Drug or Substance AbuseIt excludes any treatment obtained for alcoholism or other addictive substances.
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Hazardous or Adventure Sports InjuriesIt excludes the cost of treating injuries resulting from hazardous or adventure sports like mountaineering, rafting, horse racing, etc.
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Cosmetic or Plastic SurgeryIt excludes any surgery done for cosmetic or beautification purposes to change appearance.
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Refractive ErrorsIt does not cover the expenses incurred for eyesight correction due to a refractive error of less than 7.5 diopters.
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Insta Care Cover from 31st DayIt covers pre-existing asthma, hypertension, diabetes and cholesterol from the 31st day of the policy.
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Enhanced Multiplier 3X or 10XIt provides an additional cumulative bonus of up to 3X or 10X of the sum insured, irrespective of any claims made in the previous policy year.
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Premium PromiseIt locks the premium amount at the time of policy purchase until a claim is paid or the insured turns 55 years old. However, this benefit is available as an in-built cover under the Prime variant and an optional cover under the Neo variant.
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Accidental Death and Permanent Total DisablementIt provides compensation for the insured’s death and permanent total impairment resulting from an accident.
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Outpatient BenefitIt covers the cost of availing OPD teleconsultations, in-clinic doctor consultations, prescribed pathology & radiology, and prescribed pharmacy.
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Partner ProtectIt allows the newly married spouse of up to 35 years to have the same waiting period continuity benefit as the insured.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Galaxy Marvel Plan: FAQs
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Q1. What is the Galaxy Marvel policy?
Ans: The Galaxy Marvel policy is a comprehensive health insurance plan that covers individuals and families against planned and emergency medical treatments. The Galaxy Marvel plan benefits include unlimited restoration of sum insured, OPD cover, daily hospital cash, delivery expenses, annual health check-ups, consumables cover, etc. -
Q2. Is there any wellness benefit under the Galaxy Marvel plan?
Ans: Yes, the Galaxy Marvel plan offers wellness benefits through tracking of physical health conditions, along with social engagement and physiological factors. It allows you to earn wellness coins that can be redeemed to get a discount on the premium. -
Q3. What is the Galaxy Marvel plan cost?
Ans: The Galaxy Marvel plan cost varies based on factors like the insured’s age, location, health conditions, etc. However, you can use a Galaxy health insurance premium chart to know the price of the plan. You can also get a cost estimate by using a Galaxy Marvel plan calculator on Policybazaar.com.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Galaxy Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Galaxy Health Insurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Galaxy Health Insurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Galaxy Health Insurance policy
- The network hospital will send the hospital bill to Galaxy Health Insurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
