{"uin":"GHIHLGP25036V012425","name":"Galaxy Plus","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425","insurer":{"slug":"galaxy-health-insurance","name":"Galaxy Health Insurance Company Limited","url":"https://indiainsurances.com/insurer/galaxy-health-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Galaxy Plus is a group-health product with Plan 1 Hospital Cash, Plan 2 EMI Protect, Plan 3 Group Personal Accident, Plan 4 Critical Illness, Plan 5 Group Health, Plan 6 Group Health Top-up, Plan 7 Wellness and Plan 8 Outpatient Cover. It has a 30-day initial illness waiting period for most plans, 36-month pre-existing disease waiting period, 60-month moratorium period, and the CIS says the free-look period is NIL.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:55:33.112428+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan 1 – Hospital Cash","Plan 2 – Equal Monthly Instalment (EMI) Protect","Plan 3 – Group Personal Accident","Plan 4 – Critical Illness","Plan 5 – Group Health","PLAN 6: Group Health Top-up","Plan 7 – Wellness","Plan 8 – Outpatient Cover"],"display":"Plan 1 – Hospital Cash; Plan 2 – Equal Monthly Instalment (EMI) Protect; Plan 3 – Group Personal Accident; Plan 4 – Critical Illness; Plan 5 – Group Health; PLAN 6: Group Health Top-up; Plan 7 – Wellness; Plan 8 – Outpatient Cover","note":null,"quote":"Plan 1 – Hospital Cash ... Plan 2 – Equal Monthly Instalment (EMI) Protect ... Plan 3 – Group Personal Accident ... Plan 4 – Critical Illness ... Plan 5 – Group Health ... PLAN 6: Group Health Top-up ... Plan 7 – Wellness ... Plan 8 – Outpatient Cover","sources":[{"clause":null,"heading":"Plan 1 – Hospital Cash","page":21,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-1-hospital-cash"},{"clause":null,"heading":"Plan 2 – Equal Monthly Instalment (EMI) Protect","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-2-equal-monthly-instalment-emi-protect"},{"clause":null,"heading":"Plan 3 – Group Personal Accident","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-3-group-personal-accident"},{"clause":null,"heading":"Plan 4 – Critical Illness","page":36,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-4-critical-illness"},{"clause":null,"heading":"Plan 5 – Group Health","page":40,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-5-group-health"},{"clause":null,"heading":"PLAN 6: Group Health Top-up","page":50,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-6-group-health-top-up"},{"clause":null,"heading":"Plan 7 – Wellness","page":55,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-7-wellness"},{"clause":null,"heading":"Plan 8 – Outpatient Cover","page":61,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-8-outpatient-cover"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines policy term by reference to the schedule, but no fixed product term is stated in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form duly completed and signed","Medical Certificate confirming the diagnosis / treatment of critical illness from the treating medical practitioner in letter head.","All Diagnostic test results / Imaging confirming positive existence of critical illness","Discharge summary / in case papers / complete treatment records (wherever applicable)","Hospital Main bill with breakup details.","KYC (Identity proof with Address) of the proposer, as per AML Guidelines","Death Certificate","Post-mortem Certificate, if conducted","FIR (wherever required)","First Information Report (FIR)","Original Prescription","Original Invoices/Bills,","Original Payment Receipts"],"display":"Claim form, medical certificate/diagnosis records, diagnostic tests, discharge summary, hospital bills, KYC; for accident/death claims, death certificate/post-mortem/FIR and other police records; for OPD, prescriptions, invoices and receipts","note":"Documents differ by plan and claim type; the Company reserves the right to call for additional documents wherever required.","quote":"Claim form duly completed and signed ... Medical Certificate confirming the diagnosis / treatment of critical illness from the treating medical practitioner in letter head. ... All Diagnostic test results / Imaging confirming positive existence of critical illness ... Discharge summary / in case papers / complete treatment records (wherever applicable) ... Duly completed claim form, and ... Discharge Summary from the hospital ... Hospital Main bill with breakup details. ... KYC (Identity proof with Address) of the proposer, as per AML Guidelines ... Death Certificate ... Post-mortem Certificate, if conducted ... FIR (wherever required) ... First Information Report (FIR) ... Original Prescription ... Original Invoices/Bills, ... Original Payment Receipts","sources":[{"clause":"9(a)","heading":"Applicable for Plan 4 – Critical Illness","page":75,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-a-2"},{"clause":"9(b)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-b-2"},{"clause":"9(a)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-a-3"},{"clause":"9(b)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-b-3"},{"clause":"9(c)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-c-2"},{"clause":"9(d)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-9-d-2"},{"clause":null,"heading":"For Permanent Total Disablement - Benefit 2 and Permanent Partial Disablement -","page":76,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-for-permanent-total-disablement-benefit-2-and-pe"},{"clause":null,"heading":"Outpatient Medical Expenses due to Grievous Injury","page":77,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-outpatient-medical-expenses-due-to-grievous-inju"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall be completed within 30 days from receipt of the last necessary document and the claim settled or rejected within 45 days from that date.","display":"30 days from last necessary document; 45 days if investigation is required","note":"For delay, the policy also provides interest at a rate 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"2(i)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-2-i-2"},{"clause":"2(iii)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-2-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases - Code Excl 01","Specified disease/procedure waiting period – Code Excl 02","30-day waiting period – Code Excl 03","Investigation & Evaluation – Code Excl 04","Rest Cure, rehabilitation and respite care – Code Excl 05","Obesity / Weight Control – Code Excl 06","Change-of-Gender treatments – Code Excl 07","Cosmetic or plastic Surgery – Code Excl 08","Hazardous or Adventure sports – Code Excl 09","Breach of law – Code Excl 10","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof – Code Excl 12","Sterility and Infertility – Code Excl 17","Maternity – Code Excl 18","Intentional self injury. - Code Excl 22.","Naturopathy Treatment. - Code Excl 40."],"display":"Pre-existing diseases, specified disease/procedure waiting period, 30-day waiting period, investigation/evaluation, rest cure/rehabilitation/respite care, obesity surgery outside conditions, change-of-gender treatments, cosmetic/plastic surgery, hazardous/adventure sports, breach of law, alcoholism/drug abuse, sterility/infertility, maternity, intentional self injury and naturopathy treatment","note":"Plan-specific exclusions also apply, including exclusions for Critical Illness, Group Personal Accident, Hospital Cash and EMI Protect.","quote":"Pre-Existing Diseases - Code Excl 01 ... Specified disease/procedure waiting period – Code Excl 02 ... 30-day waiting period – Code Excl 03 ... Investigation & Evaluation – Code Excl 04 ... Rest Cure, rehabilitation and respite care – Code Excl 05 ... Obesity / Weight Control – Code Excl 06 ... Change-of-Gender treatments – Code Excl 07 ... Cosmetic or plastic Surgery – Code Excl 08 ... Hazardous or Adventure sports – Code Excl 09 ... Breach of law – Code Excl 10 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof – Code Excl 12 ... Sterility and Infertility – Code Excl 17 ... Maternity – Code Excl 18 ... Intentional self injury. - Code Excl 22. ... Naturopathy Treatment. - Code Excl 40.","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code Excl 01","page":62,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-1-3"},{"clause":"2","heading":"Specified disease/procedure waiting period – Code Excl 02","page":63,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-2-4"},{"clause":"7","heading":"If the Insured Person is continuously covered without any break as defined under the","page":65,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-7-3"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":69,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care","page":69,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl05"},{"clause":"Excl06","heading":"Obesity / Weight Control","page":69,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments – Code Excl 07: Expenses related to any treatment, including","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl09"},{"clause":"Excl10","heading":"Breach of law","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl11"},{"clause":"Excl17","heading":"Sterility and Infertility","page":70,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl17"},{"clause":"Excl18","heading":"Maternity – Code Excl 18","page":71,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl18"},{"clause":"Excl22","heading":"Intentional self injury.","page":71,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-excl22-2"},{"clause":"32","heading":"Naturopathy Treatment.","page":72,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-32-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company through its website, e-mail, phone, courier/post or branch grievance cell. If not satisfied, contact the grievance officer; if still not satisfied, approach the Insurance Ombudsman or lodge a grievance on IRDAI Bima Bharosa.","display":"Company website/e-mail/phone/branch grievance cell first; then grievance officer; then Insurance Ombudsman or IRDAI Bima Bharosa","note":null,"quote":"In case of any grievance the insured person may contact the Company through Website : www.galaxyhealth.com E-mail : gro@galaxyhealth.com Ph. No. : 044 - 4001 7238 ... insured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at 044 - 4001 7238. ... the insured person may also approach the office of Insurance Ombudsman of the respective area/region","sources":[{"clause":"8","heading":"Redressal of Grievance","page":74,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-8-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The CIS and wording refer the sum insured to the Policy Schedule / Certificate of Insurance, but no selectable sum insured amounts are printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Plan 4 Critical Illness has an initial waiting period of 90 days. Optional covers may waive or reduce waiting periods as stated in the Certificate of Insurance / Policy Schedule.","quote":"30-day waiting period – Code Excl 03: (Not Applicable for Accidents) (Applicable for Plan 1, 2, 4, 5, 6 and 8)\na) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered ... Waiting Period: An initial waiting period of 90 days is applicable from the date of commencement of the Certificate of Insurance.","sources":[{"clause":"7","heading":"If the Insured Person is continuously covered without any break as defined under the","page":65,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-7-3"},{"clause":null,"heading":"54 Critical Illnesses","page":38,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-54-critical-illnesses"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies to Plan 1 and Plan 2, and to Plan 5, 6 and 8. Optional PED waiting period waiver/reduction may waive or reduce it to 24 months or 12 months where opted and shown in the schedule.","quote":"Pre-Existing Diseases as defined in the policy until 36 consecutive months of continuous coverage have elapsed under this Policy since inception of the first policy with the Company. ... Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code Excl 01","page":62,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Plan 6 has both 12-month and 24-month listed conditions. Plan 1, Plan 2 and Plan 5 use 24 months for specified diseases/procedures; optional waiver/reduction may apply where opted and shown in the schedule.","quote":"Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"3","heading":"Applicable for Plan 6","page":64,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-3-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"16","heading":"Moratorium Period: After completion of sixty continuous months of coverage (including","page":79,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-16-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"For indemnity policies, the policyholder may apply to another insurer to port the entire policy with all family members at least 30 days before, but not earlier than 60 days from, the renewal due date. The policyholder is entitled to transfer credits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Allowed for indemnity policies, with waiting-period and moratorium credits transferable","note":"The clause is titled Portability in case of Indemnity Policies.","quote":"A policyholder desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"13(a)","heading":null,"page":79,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-13-a"},{"clause":"13(b)","heading":null,"page":79,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-13-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says Plan 5, Plan 6 and Plan 8 are renewable if the product is not withdrawn, but it does not state lifelong renewal or absence of a maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":"Stated under renewal of health insurance policy for Plan 5, Plan 6 and Plan 8.","quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"10","heading":"Renewal of Health Insurance policy (Applicable for Plan 5, Plan 6 and Plan 8)","page":78,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-10-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel during the term by giving 7 days notice in writing. For policies up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim was made; for policies over one year, it refunds premium for unexpired policy years where risk coverage has not commenced, but no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"7 days notice; proportionate unexpired-period refund if no claim, with no refund where a claim is admitted/lodged or a benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed","sources":[{"clause":"6(i)","heading":null,"page":73,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-6-i"},{"clause":"6(a)","heading":null,"page":73,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-6-a"},{"clause":"6(b)","heading":null,"page":73,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-6-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical/surgical treatments must be taken in India. This does not apply if the Personal Accident Plan and/or the optional Worldwide Hospital Cash cover is opted; the Personal Accident cover applies worldwide unless otherwise stated.","display":"India for medical/surgical treatments; Personal Accident worldwide unless otherwise stated; optional Worldwide Hospital Cash covers outside India","note":null,"quote":"Territorial Limit : All medical /surgical treatments under this policy shall have to be taken in India. This condition will not apply if Personal Accident Plan and / or optional cover World Wide Hospital Cash is opted. ... Geographical Scope: The Personal Accident insurance cover applies Worldwide unless otherwise stated ... Worldwide Hospital Cash: ... admission of the insured Person/beneficiary as an In-patient in any Hospital outside India","sources":[{"clause":"21","heading":"Territorial Limit","page":80,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-21-4"},{"clause":null,"heading":"Plan 3 – Group Personal Accident","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-plan-3-group-personal-accident"},{"clause":"6","heading":"Worldwide Hospital Cash","page":24,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-6-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":0},"display":"NIL","note":"The CIS states NIL; no free-look period is printed in the policy wording clauses provided.","quote":"Free Look Period: NIL","sources":[{"clause":"D.1","heading":null,"page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5707#c-d-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly instalments; 30 days for quarterly/half yearly instalments and renewals","note":"Renewal grace of 30 days is stated for Plan 5, Plan 6 and Plan 8; instalment grace is 15 days for monthly and 30 days for quarterly/half-yearly instalments.","quote":"The grace period of 15 days (where premium is paid on a monthly instalments) and 30 days (where premium is paid in quarterly/half yearlyinstalments) is available on the premium due date, to pay the premium. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"11","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of Premium on","page":78,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-11-4"},{"clause":"10","heading":"Renewal of Health Insurance policy (Applicable for Plan 5, Plan 6 and Plan 8)","page":78,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-10-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The provided wording and CIS do not state minimum and maximum entry ages for buying the policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly instalments"],"display":"Half Yearly, Quarterly or Monthly instalments","note":"The available mode is subject to what is mentioned in the Policy Schedule/Certificate of Insurance.","quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly or Quarterly or Monthly instalments as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":"11","heading":"Premium Payment in Instalments: lf the insured person has opted for Payment of Premium on","page":78,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721#c-11-4"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Galaxy Plus Policy Wording","pages":94,"fetched_at":"2026-10-17 19:32:41+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Plus_Policy_Wording_07092026.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5721"},{"kind":"cis","label":"Galaxy Plus Customer Information Sheet","pages":30,"fetched_at":"2026-10-17 19:32:42+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Plus_CIS_Sep_2026_V2.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425/document/5707"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Galaxy Health Insurance official website","url":"https://www.galaxyhealth.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Cashless claim","url":"https://www.galaxyhealth.com/claims/cashless-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Reimbursement claim","url":"https://www.galaxyhealth.com/claims/reimbursement-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.galaxyhealth.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.galaxyhealth.com/renew/index.html","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Galaxy Plus (UIN GHIHLGP25036V012425), IndiaInsurances, https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-plus-ghihlgp25036v012425"}