Galaxy Health Insurance Waiting Period

Galaxy Health Insurance Waiting Period

Galaxy health insurance waiting period is the time period policyholders have to wait to be able to file a claim under their Galaxy health insurance plan. It is different for various diseases & medical conditions and varies from plan to plan. However, no waiting period needs to be served to file a claim for accidental hospitalization.

Types of Galaxy Health Insurance Waiting Period

Here are the different types of waiting periods that apply to Galaxy health insurance plans:

1. Galaxy Health Insurance Pre-existing Diseases Waiting Period

   This type of waiting period must be served to claim the cost of treating pre-existing diseases or PED, such as asthma, diabetes, high blood pressure, obesity, etc.

2. Galaxy Health Insurance Specified Disease/Procedure Waiting Period

   Policyholders should serve this waiting period to pay for specified diseases or procedures, like cataract, joint replacement surgery, varicose veins, hernia, congenital internal diseases, etc.

3. Galaxy Health Insurance Initial Waiting Period

   This waiting period needs to be served to file a health insurance claim for a non-accidental hospitalization of the insured.

4. Galaxy Health Insurance Delivery Expenses Cover Waiting Period

   The insured must serve this waiting period to claim the medical expenses incurred during childbirth under a maternity insurance policy.

5. Galaxy Health Insurance Organ Transplantation Expenses Waiting Period

   This waiting period should be served to pay for the hospitalization expenses resulting from the organ transplantation surgery of the insured, including the cost of harvesting the donated organ.

6. Galaxy Health Insurance Organ Donor Expenses Waiting Period

   The insured needs to serve this waiting period to claim the cost of treating the organ donor for any complications requiring a redo surgery or an ICU admission, and undergoing an organ transplantation surgery of the insured.

7. Galaxy Health Insurance Newborn Baby Cover Waiting Period

   This type of waiting period must be served to file a claim to pay for the in-patient treatment of the newborn baby.

8. Galaxy Health Insurance Bariatric Surgery Waiting Period

   Policyholders should serve this waiting period to claim the medical expenses incurred on the bariatric surgery of the insured.

9. Galaxy Health Insurance Assisted Reproduction Treatment Waiting Period

   This type of waiting period needs to be served to claim the cost of undergoing an assisted reproduction treatment.

10. Galaxy Health Insurance Hospital Cash Waiting Period

    Policyholders must serve this waiting period to file a claim for the hospital cash benefit with the insurance company.

11. Galaxy Health Insurance Sleep Disorders Treatment Waiting Period

    This waiting period should be served to pay for the cost of treating sleep disorders, such as insomnia, sleep apnea, etc.

12. Galaxy Health Insurance Hospice Care Waiting Period

    The insured needs to serve this waiting period to claim the cost of availing hospice care.

13. Galaxy Health Insurance HIV AIDS Cover Waiting Period

    This waiting period must be served to pay for the medical expenses resulting from the treatment of HIV AIDS.

14. Galaxy Health Insurance Pre-existing Disability Cover Waiting Period

    The insured should serve this waiting period to pay for the medical expenses incurred on the treatment of a pre-existing disability.

List of Galaxy Health Insurance Waiting Period

Take a look at the list of waiting periods applicable to health insurance plans offered by Galaxy Health Insurance Company:

Note: The Galaxy health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Galaxy Health Insurance Waiting Period?

Yes. The waiting period for pre-existing diseases can be reduced to 1 year or 2 years, depending on the variant, under Galaxy Promise and Marvel plans. In fact, policyholders can reduce the waiting period for PED, including asthma, hypertension, diabetes and cholesterol, to 30 days with the Insta Care Cover benefit under Galaxy Promise and Marvel plans.

Similarly, the specific disease waiting period can be reduced from 2 years to 1 year with the Reduction in Specific Disease Waiting Period benefit under the Galaxy Marvel plan. However, these benefits are available only on the payment of an additional premium.

Things to Remember About Galaxy Health Insurance Waiting Period

Check out the various things to remember about the Galaxy health insurance waiting period:

• If a disease or medical condition is diagnosed after buying a Galaxy health insurance policy, it is not considered a pre-existing disease.
• Policyholders do not need to serve any waiting period to raise a claim for accidental hospitalization.
• Some mediclaim policies provide the option to reduce the waiting period for pre-existing diseases or specified diseases/procedures.
• The insured must serve both the waiting period and the survival period to file a claim under a critical illness insurance policy.

Galaxy Health Insurance Waiting Period: FAQs