Galaxy Health Insurance introduces ‘Galaxy Twin360’ – India’s first IPD + OPD plan to improve long-term health insurance adoption and retention
Urban Indians spend an average of ₹15,000 to ₹20,000 annually on OPD services such as
doctor consultations, pharmacy, and diagnostics. At the same time, a
significant number of young adults lapse their policies after the first year,
largely because hospitalisation events are rare and premiums are perceived as
money spent without tangible return.
Galaxy Twin 360 addresses this
behavioural gap by allowing policyholders to use OPD benefits equal to the
premium paid, ensuring real value every year, regardless of hospitalisation.
This approach is designed to boost policy renewal, long-term adoption, and
overall healthcare engagement.
Mr. G. Srinivasan, MD & CEO, Galaxy Health Insurance, said, “Galaxy Twin 360 is
built on a simple idea – health insurance should be useful every day, not only
during hospitalisation. Young adults often discontinue health insurance because
they do not see value when they do not make a claim. Galaxy Twin 360 changes
that narrative. By combining IPD protection, OPD benefits, preventive wellness
services and digital health tools, the plan ensures insurance is useful every
day, making coverage relevant, practical, and financially efficient.”
Key features of
Galaxy Twin 360
Eligibility
& Coverage Structure
·
Designed
for adults aged 18–45years and children 91 days–25 years.
·
Available
as Individual or Floater (up to 2 adults + 3 children)
·
Guaranteed
renewal beyond 45 years
OPD Benefits
Equal to Premium Paid
·
A
first-of-its-kind structure where OPD entitlement matches the premium amount
Coverage
includes:
·
Unlimited
teleconsultations
·
In-clinic
Doctor consultations and Prescribed diagnostics
·
Prescribed
pharmacy, dental, vision and vaccinations
·
Physiotherapy,
mental wellbeing, diet and nutrition
·
Annual
health check-ups
Wellness &
Value-Added Services
·
Free
physical gym access via partner networks
·
Online
fitness and health sessions
·
Vitals
monitoring via facial scan
·
Condition
management programmes for declared PEDs
Comprehensive
IPD Protection
·
Fixed
sum insured options ranging from Rs 7.5 Lakh to Rs 35 Lakh
·
No
pre-acceptance medical screening
·
Any
room
·
71
Consumables, including Admission charges, Record charges and Insurance
Processing charges
·
Cumulative
bonus maximum up to 200%
·
No
co-payment
·
AYUSH
coverage, bariatric surgery, organ transplantation and modern treatments
·
Delivery
benefit
·
Automatic
restoration
·
New-born
cover
·
Gala
Fit-Pro Active Care (Engaging Wellness Program): Discount allowed up to 20%
Premium
Flexibility & Discounts
·
Instalment
options: Monthly, Quarterly, Half-yearly or Annual
·
Long-term
discounts up to 15%
·
5%
online discount
·
Up
to 20% renewal discount through the Gala Fit-Pro Active Care wellness programme
Waiting Periods
·
Initial:
30 days
· PED and Specified Diseases: 24 months.
Within its first year of operations, Galaxy Health Insurance has built
a network of more than 15,000+ agents and insured over 3.47Lakh lives across
India. Product portfolio includes Galaxy Promise, a comprehensive family health
plan, and Galaxy Marvel, a customisable plan.
The company aims to deliver accessible, technology-driven and
affordable healthcare solutions while contributing to the national vision of
‘Health Insurance for All by 2047’.
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