{"uin":"GHIHLIP25039V012425","name":"Galaxy Top-up","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425","insurer":{"slug":"galaxy-health-insurance","name":"Galaxy Health Insurance Company Limited","url":"https://indiainsurances.com/insurer/galaxy-health-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Galaxy Top-up is an indemnity aggregate top-up health policy with individual and floater cover and sum insured options from Rs.5 lakh to Rs.200 lakh. It has aggregate deductible options of Rs.3 lakh to Rs.25 lakh, 30-day initial waiting, 12-month PED and specified disease waiting periods, and three optional covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:55:46.524096+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":"not-stated","value":null,"display":null,"note":"The documents describe Individual and Floater as types of cover, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 /2 / 3 year/s","display":"1 /2 / 3 year/s","note":"From the prospectus.","quote":"Policy Term: 1 /2 / 3 year/s","sources":[{"clause":null,"heading":"Galaxy Top-up","page":1,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5696#c-galaxy-top-up"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice with full particulars must be sent to the Company within 24 hours from the date of occurrence of the event. For emergency hospitalisation, information must be given within 24 hours after hospitalisation.","display":"Within 24 hours from occurrence; emergency hospitalisation within 24 hours after hospitalisation","note":null,"quote":"In case of emergency hospitalisation information to be given within 24 hours after hospitalisation ... Notification of Claim: Upon the happening of the event, notice with full particulars shall be sent to the Company within 24 hours from the date of occurrence of the event irrespective of whether the event is likely to give rise to a claim under the policy or not.","sources":[{"clause":"36(h)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-h"},{"clause":"36(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-i"}],"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":["Duly filled in claim forms with treating doctor signature","Pre/Post Hospitalisation investigations and treatment papers","All investigations reports including Radiological films (Xray, CT scan, MRI and USG) and Biopsy during hospitalisation","Discharge Summary from the hospital","Cash receipts from hospital, chemists","Cash receipts and reports for tests done","Receipts from doctors, surgeons, anaesthetist","Certificate from the attending doctor regarding the diagnosis","KYC (Identity proof with Address) of the proposer, as per AML Guidelines","Copy of PAN Card","NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code","CKYC No. of the proposer (if available)","Legal heir/succession certificate, wherever applicable"],"display":"Claim form, hospital and investigation papers, discharge summary, bills/receipts, doctor certificate, KYC/PAN, NEFT details, CKYC if available and legal heir/succession certificate where applicable","note":"The Company may call for additional documents wherever required.","quote":"D. Documents to be submitted for Reimbursement: The reimbursement claim is to be supported with the following documents in original and submitted within the prescribed time limit.\ni) Duly filled in claim forms with treating doctor signature.\nii) Pre/Post Hospitalisation investigations and treatment papers.\niii) All investigations reports including Radiological films (Xray, CT scan, MRI and USG) and Biopsy during hospitalisation.\niv) Discharge Summary from the hospital\nv) Cash receipts from hospital, chemists\nvi) Cash receipts and reports for tests done\nvii) Receipts from doctors, surgeons, anaesthetist\nviii) Certificate from the attending doctor regarding the diagnosis.\nix) KYC (Identity proof with Address) of the proposer, as per AML Guidelines\nx) Copy of PAN Card\nxi) NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code\nxii) CKYC No. of the proposer (if available)\nxiii) Legal heir/succession certificate, wherever applicable","sources":[{"clause":"36(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-i"}],"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 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days if investigation is required","note":"Delayed claim payment carries interest at 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 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":null,"heading":"3. Provision for Penal Interest","page":30,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-3-provision-for-penal-interest"}],"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","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","Sterility and Infertility– Code Excl 17","Intentional self -injury-Code- Excl 22","Dental Treatment, Diagnostics, Dental Procedures or Surgery of any kind unless requiring Hospitalisation as a result of accidental Injury."],"display":"PED and specified disease/procedure waiting periods, 30-day waiting period, investigation/evaluation, rest cure, gender change, cosmetic surgery, hazardous sports, breach of law, infertility, self-injury and non-accidental dental treatment","note":"This is a selected main-exclusions list; the policy has further standard and specific exclusions.","quote":"Excl01 Pre-Existing Diseases - Code- Excl 01 ... Excl02 Specified disease/procedure waiting period – Code Excl 02 ... 3. 30-day waiting period – Code Excl 03 (Not Applicable for Accidents) ... Excl04 Investigation & Evaluation – Code Excl 04 ... Excl05 Rest Cure, rehabilitation and respite care – Code Excl 05 ... 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 ... Sterility and Infertility– Code Excl 17 ... Intentional self -injury-Code- Excl 22 ... Dental Treatment, Diagnostics, Dental Procedures or Surgery of any kind unless requiring Hospitalisation as a result of accidental Injury.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl 01","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl01"},{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code Excl 02","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl02"},{"clause":null,"heading":"3. 30-day waiting period – Code Excl 03 (Not Applicable for Accidents)","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-3-30-day-waiting-period-code-excl-03-not-applica"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – Code Excl 05: Expenses related to any","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments","page":27,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery – Code Excl 08: Expenses for cosmetic or plastic surgery","page":27,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports – Code Excl 09: Expenses related to any treatment","page":27,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl09"},{"clause":"Excl10","heading":"Breach of law – Code Excl 10: Expenses for treatment directly arising from or","page":27,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl10"},{"clause":"Excl17","heading":"Sterility and Infertility","page":28,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl17"},{"clause":"22","heading":"Intentional self -injury-Code- Excl 22","page":28,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-22"},{"clause":"36","heading":"Dental Treatment, Diagnostics, Dental Procedures or Surgery of any kind unless","page":29,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36"}],"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":"For a grievance, contact the Company through its website, toll-free number, email, phone, courier address, or the grievance officer at a branch. If not satisfied, contact the Grievance redressal officer at the corporate office before approaching the Insurance Ombudsman.","display":"First contact Galaxy Health Insurance; if not satisfied, contact the GRO at corporate office","note":null,"quote":"In case of any grievance the insured person may contact the Company through Website : www.galaxyhealth.com Toll free :18002030007 Senior Citizens may call at 18002030007 E-mail :gro@galaxyhealth.com Phone No. :044 - 4001 7238\nCourier | :Prestige Polygon – 12th Top Floor (P), No. 471, Anna Salai, Nandanam, Chennai\n– 600035. lnsured person may also approach the Grievance officer 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 redressal officer (GRO) at corporate office - 044 - 4001 7238","sources":[{"clause":"36(g)(vi)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-vi"}],"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":"quote-verified","value":"Rs.5, 10, 15, 20, 25, 50, 75, 100 and 200 lakhs","display":"Rs.5, 10, 15, 20, 25, 50, 75, 100 and 200 lakhs","note":"The prospectus states that for persons above 60 years of age, maximum sum insured applicable is up to Rs. 25 lakhs.","quote":"S. No | Sum Insured (Rs. in Lakhs) | 5 | 10 | 15 | 20 | 25 | 50 | 75 | 100 | 200","sources":[{"clause":null,"heading":"Schedule of Benefits","page":42,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-schedule-of-benefits"}],"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":"Not applicable for accidents; applies to enhanced sum insured on later enhancement.","quote":"3. 30-day waiting period – Code Excl 03 (Not Applicable for Accidents) ... a) 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.","sources":[{"clause":null,"heading":"3. 30-day waiting period – Code Excl 03 (Not Applicable for Accidents)","page":26,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-3-30-day-waiting-period-code-excl-03-not-applica"}],"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":12},"display":"12 months","note":"Applies afresh to enhanced sum insured to the extent of the increase; portability credit may reduce the waiting period.","quote":"A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl 01","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl01"}],"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":"Delivery Expenses have a 2 years waiting period when self and spouse are covered, or 3 years if insured woman alone is covered. Organ Transplantation Expenses and Bariatric Surgery have 12 months waiting periods.","quote":"A. Expenses related to the treatment of the 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.","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code Excl 02","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl02"}],"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":"quote-verified","value":["Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast","Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma, Neurofibroma, Fibroadenoma, Ganglion and similar pathology","All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to Tendon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident]","All types of treatment for Degenerative disc and Vertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculoskeletal system, Prolapse of Intervertebral Disc (other than caused by accident)","All treatments (conservative, interventional, laparoscopic and open) related to Hepato-pancreato-biliary diseases including diseases of liver, Gall bladder and Pancreatic calculi. All types of management for Kidney calculi and Genitourinary tract calculi","All types of Hernia","Desmoid Tumour, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula","All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases","All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies","Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele","Fistula, Fissure in Ano, Haemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence","Varicose veins and Varicose ulcers","All types of transplant and related surgeries","Congenital Internal disease / defect"],"display":"Cataract/eye, ENT, thyroid, benign breast disease, benign lumps/cysts, tendon/ligament/bone/joint, degenerative disc/vertebral/musculoskeletal, hepato-pancreato-biliary and urinary stones, hernia, gynaecological diseases, prostate/obstructive uropathies, epididymis/spermatocele/varicocele/hydrocele, fistula/fissure/haemorrhoids/pilonidal/rectal prolapse/stress incontinence, varicose veins/ulcers, transplant and congenital internal disease/defect","note":null,"quote":"F. List of specific diseases/procedures\n1. Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.\n2. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma, Neurofibroma, Fibroadenoma, Ganglion and similar pathology.\n3. All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to Tendon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident].\n4. All types of treatment for Degenerative disc and Vertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculoskeletal system, Prolapse of Intervertebral Disc (other than caused by accident).\n5. All treatments (conservative, interventional, laparoscopic and open) related to Hepato-pancreato-biliary diseases including diseases of liver, Gall bladder and Pancreatic calculi. All types of management for Kidney calculi and Genitourinary tract calculi.\n6. All types of Hernia.\n7. Desmoid Tumour, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula.\n8. All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases.\n9. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies.\n10. Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele.\n11. Fistula, Fissure in Ano, Haemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence\n12. Varicose veins and Varicose ulcers.\n13. All types of transplant and related surgeries.\n14. Congenital Internal disease / defect","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code Excl 02","page":25,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-excl02"}],"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":"conflicting","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The policy wording says claims are contestable after moratorium only for proven fraud and permanent exclusions. CIS and prospectus say: \"except for proven fraud, nondisclosure, misrepresentation and exclusions specified in the policy contract\".","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. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"36(g)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-ii"},{"clause":"14(c)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5695#c-14-c-i"},{"clause":"36(g)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5696#c-36-g-ii"}],"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":"The policyholder may port the entire policy with all family members to another insurer by applying 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, specific waiting periods, PED waiting period, moratorium period and similar credits.","display":"Can port to another insurer with waiting-period and moratorium credits","note":null,"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, 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":"36(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-a-4"},{"clause":"36(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-b-4"}],"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 documents state renewal conditions but do not expressly state lifelong renewal or no 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":null,"quote":"g) No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"36(g)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-2"}],"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 at any time during the term by giving 7 days notice in writing. The insurer refunds proportionate premium for the unexpired period for terms up to one year if no claim has been made, and refunds premium for unexpired policy years for terms over one year where risk coverage has not commenced; no refund is made where any claim has been admitted, lodged or any benefit availed.","display":"7 days written notice; proportionate unexpired premium if no claim, with no refund if any claim is admitted/lodged or 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.\nNote: Notwithstanding anything contained herein or otherwise, 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 by the insured person under the policy.","sources":[{"clause":"36(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-d-2"},{"clause":"36(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-a-3"},{"clause":"36(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-b-3"}],"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 investigations and treatments under the policy must be taken in India.","display":"India only","note":null,"quote":"Territorial Limit: All investigations/treatments under this policy shall have to be taken in India.","sources":[{"clause":null,"heading":"Specific Conditions","page":34,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-specific-conditions"}],"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":30},"display":"30 days","note":"Applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"36(g)(vi)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-vi"}],"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":30},"display":"30 days; 15 days for monthly premium payment mode","note":"For instalment premiums, the policy also states 15 days for monthly instalments and 30 days for quarterly/half yearly/annual/2/4/12 instalments.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"“Grace Period”","page":3,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-grace-period"}],"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":null,"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":["Annually","Half Yearly","Quarterly","Monthly","two instalments","four instalments","twelve instalments"],"display":"Annually, Half Yearly, Quarterly, Monthly, two, four or twelve instalments","note":null,"quote":"Payment of Premium on an instalment basis i.e. Annually or Half Yearly or Quarterly or Monthly or two or four or twelve instalments as mentioned in the policy Schedule/Certificate of Insurance","sources":[{"clause":"36(g)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-ii"}],"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":"quote-verified","value":["Premium Promise","Room Rent Enhancement","Durable Medical Equipment/CAPD"],"display":"Premium Promise; Room Rent Enhancement; Durable Medical Equipment/CAPD","note":null,"quote":"Optional Covers (On payment of additional premium)\n15 | Premium Promise | Premium remains same until claim is made or up to 55 years whichever is less\n16 | Room Rent Enhancement | Insured has an option to modify the room rent eligibility to any room\n17 | Durable Medical Equipment/CAPD | Covered up to 10% of sum insured or Rs 1 Lakh whichever is less","sources":[{"clause":null,"heading":"Schedule of Benefits","page":42,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-schedule-of-benefits"}],"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":"quote-verified","value":"Coverage is not available during the grace period for renewal. If premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"Not available during renewal grace period; available for instalment-premium grace period","note":"The two clauses address different situations: renewal grace period and instalment-premium grace period.","quote":"f) Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"36(f)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-f-2"},{"clause":"36(g)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g-ii"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"Aggregate deductible limit options are Rs.3, 4, 5, 10, 15, 20 and 25 Lakhs. The Company's liability begins only when aggregate admissible hospitalisation expenses during the policy period exceed the deductible limit, and it pays the excess up to the sum insured.","display":"Aggregate deductible: Rs.3/4/5/10/15/20/25 Lakhs","note":"Pre-hospitalisation and post-hospitalisation expenses are not taken into account for calculating the aggregate deductible limit.","quote":"iii. Deductible | Applicable as per the limit Chosen: Rs.3/4/5/10/15/20/25 Lakhs | - ... The Company's liability will begin only when the aggregate of the hospitalization expenses admissible under this policy during this policy period exceed the Deductible limit. The amount payable shall be the amount in excess of the deductible limit, however not exceeding the Sum Insured for the policy period.","sources":[{"clause":"14(c)","heading":"Bariatric Surgery","page":4,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5695#c-14-c"},{"clause":"17","heading":"Durable Medical Equipment/CAPD: If the insured person has opted this cover, then the","page":24,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-17"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate","note":null,"quote":"Galaxy Top-up is an aggregate top up policy ... Aggregate Deductible” means the aggregate of admissible hospitalisation expenses in a policy year up to which the Company is not liable","sources":[{"clause":null,"heading":"Galaxy Top-up","page":1,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5696#c-galaxy-top-up"},{"clause":null,"heading":"“Aggregate Deductible”","page":7,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-aggregate-deductible"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room rent is limited to Single Private A/C room inclusive of boarding, nursing charges and Residential/Duty Medical Officer charges. With the optional Room Rent Enhancement cover, the insured can choose Any Room.","display":"Single Private A/C room; optional enhancement to Any Room","note":"Associated medical expenses may be proportionately deducted if a higher room category than eligibility is chosen.","quote":"a) Room rent (Single Private A/C room) inclusive of boarding, nursing charges, Residential/Duty Medical Officer charges during Hospitalisation as charged by the Hospital where the Insured Person availed medical treatment. ... Room Rent Enhancement: Room rent including boarding, nursing charges, Residential/Duty Medical Officer charges during Hospitalisation as charged by the Hospital. The Insured Person has option to choose Any Room by paying an additional premium at time of purchasing of the policy or during renewal.","sources":[{"clause":"1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-1-a"},{"clause":"16","heading":"Room Rent Enhancement","page":23,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-16"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"No co-payment.","display":"NIL","note":null,"quote":"ii. Co-payment | Co-payment (It is a specified amount / percentage of the admissible claim amount to be paid by policy holder / insured): NIL | -","sources":[{"clause":"14(c)","heading":"Bariatric Surgery","page":4,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5695#c-14-c"}],"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":"quote-verified","value":"Cashless facility can be availed only in networked hospitals. In non-network hospitals, payment must be made up-front and reimbursement will be made on submission of documents.","display":"Cashless only in networked hospitals","note":null,"quote":"Cashless facility can be availed only in networked Hospitals. For details of Networked Hospitals, the insured may visit www.galaxyhealth.com or contact the nearest branch or refer to the list of Networked Hospitals provided with the policy document. KYC (Identity proof with Address) of the proposer, as per AML Guidelines. In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents.","sources":[{"clause":"36(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are processed by the Company, Galaxy Health Insurance Company Limited.","display":"Galaxy Health Insurance Company Limited","note":null,"quote":"“Company/Insurer” means Galaxy Health Insurance Company Limited. ... This form is submitted to the Company ... The Company will process the request and call for additional documents / clarifications if the information furnished is inadequate. ... the Company will process the request as per the terms and conditions as well as the exclusions therein and either approve or reject the request based on the merits.","sources":[{"clause":null,"heading":"“Company/Insurer","page":7,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-company-insurer"},{"clause":"36(e)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-e"},{"clause":"36(f)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-f"},{"clause":"36(g)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697#c-36-g"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Floater","note":"Family size stated as self, spouse and 3 dependent children; parents and parents-in-law can be covered separately either under 1A or 2A.","quote":"Type of Cover: Individual and Floater ... Floater Sum Insured: Adult from 18 years to 65 years. Dependent Children from16 days to 25 years","sources":[{"clause":null,"heading":"Galaxy Top-up","page":1,"url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5696#c-galaxy-top-up"}],"law":[]}],"documents":[{"kind":"wording","label":"Galaxy Top-up Policy Wording","pages":43,"fetched_at":"2026-10-17 19:32:23+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Topup_Policy_Wording_07092026.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5697"},{"kind":"prospectus","label":"Galaxy Top-up Prospectus","pages":26,"fetched_at":"2026-10-17 19:32:21+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Top_up_Prospectus_07092026.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5696"},{"kind":"cis","label":"Galaxy Top-up Customer Information Sheet","pages":10,"fetched_at":"2026-10-17 19:32:24+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Top_up_CIS_Sep_2026_V2.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5695"},{"kind":"brochure","label":"Galaxy Top-up Brochure","pages":2,"fetched_at":"2026-10-17 19:32:20+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy_Topup_Brochure_21_09_2026.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/5693"},{"kind":"premium","label":"Galaxy Top-up Premium Chart","pages":null,"fetched_at":"2026-10-17 19:32:26+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/5.%2520Galaxy%2520Top-up.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/19571"},{"kind":"proposal","label":"Galaxy Top-up Proposal Form","pages":null,"fetched_at":"2026-10-17 19:32:25+00","source_url":"https://www.galaxyhealth.com/assets/preloaded/Galaxy%2520Topup%2520PF%252011092026.pdf","url":"https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425/document/19570"}],"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 Top-up (UIN GHIHLIP25039V012425), IndiaInsurances, https://indiainsurances.com/policy/galaxy-health-insurance/galaxy-top-up-ghihlip25039v012425"}