About Galaxy Promise Plan
Galaxy Promise plan provides comprehensive coverage to meet the health needs of individuals and families. It locks the policy premium at the time of purchase under the Premium Promise benefit unless the insured is 55 years old or files a health insurance claim. It also waives off renewal premiums for two years if the insured voluntarily donates an organ under the organ donor cover.
Galaxy Promise Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹3 lakh to ₹1 crore |
| Pre-existing Diseases Waiting Period | 25 months, 36 months |
| Discount | Up to 20% Pro Active Care discount Up to 12.5% long-term discount 5% online discount Up to 4% no claim discount |
| Co-payment | No co-payment |
or select from popular citiessSearch Promise - Premier Cashless Network Hospital list
Key Benefits of Galaxy Promise Plan
Galaxy Promise Plan Inclusions, Exclusions & Optional Covers
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In-patient TreatmentIt covers the medical expenses incurred during hospitalization of at least 24 hours, including room rent, doctor's fees, ICU charges, etc.
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Day Care Procedures/TreatmentsIt pays for all day care procedures or treatments that require hospitalization of less than 24 hours.
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Pre-Hospitalization ExpensesIt covers the medical costs incurred for up to 90 days before being admitted to the hospital.
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Post-Hospitalization ExpensesIt pays for the follow-up expenses incurred for up to 180 days after the hospital discharge.
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Road AmbulanceIt covers the cost of availing road ambulance services to transport the insured to the hospital or from one hospital to another.
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Air AmbulanceIt pays for the air ambulance services availed to transport the insured to the hospital during a medical emergency.
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Obesity and weight-control treatments
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Treatment for drug abuse or alcohol addiction
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Dietary supplements and substances
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Injuries due to participation in hazardous or adventure sports
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Intentional self-injury
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Plastic or cosmetic surgery
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Accidental Death and Permanent Total DisablementIt pays a compensation amount if the insured dies or suffers from permanent total disability due to an accident. However, this cover is only available under Elite and Signature variants.
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Hospital CashIt provides a daily cash allowance to the insured for each day of hospitalization for a maximum of 10 days. However, this cover is only available under Elite and Signature variants.
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Pre-existing Diseases (PED) Buy BackIt reduces the waiting period for pre-existing diseases from 3 years to 2 years or 1 year. However, this cover is only available under the Signature variant.
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DeductiblesIt provides up to 40% discount on the premium in case the policyholder opts for an aggregate deductible or up to 15% discount on opting for a deductible on every claim. However, this cover is only available under Elite and Signature variants.
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Room Rent EnhancementIt allows the insured to choose staying in any hospital room for hospitalization. However, this cover is only available under Elite and Signature variants for a sum insured between ₹5 lakh and ₹20 lakh.
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Insta Care Cover from 31st DayIt covers pre-existing asthma, blood pressure and cholesterol after a waiting period of 30 days. However, this cover is only available under the Signature variant.
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 Promise Plan: FAQs
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Q1. Does the Galaxy Promise plan have any sub-limit?
Ans: Yes. The Galaxy Promise plan comes with sub-limits under various covers, including hospitalization expenses, cataract treatment, certain modern treatments, etc.
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Q2. Where can I check the Galaxy Promise plan cost?
Ans: You can check the Galaxy Promise plan price on the insurer's website or by contacting the customer care team. You can also use a health insurance premium calculator online on Policybazaar.com to know the estimated price of the policy.
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Q3. Can I opt for both cumulative bonus and no claim discount under the Galaxy Promise plan?
Ans: No. You need to opt for either a cumulative bonus or no claim discount when you buy the policy. The same choice will be followed throughout the lifetime of the policy.
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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
